Home Equity Specialist

Canandaigua National Bank & Trust Co • Canandaigua, NY

2d • $22 - $25 • Onsite

About The Position

A Home Equity Specialist is responsible for providing a broad range of services to customers of our Community Offices; achieving service goals as established in Bank’s annual operating plan; complying with operating policies and procedures established for the Consumer Lending function; communicating with appropriate personnel; responding to inquiries or requests for information; and maintaining appropriate records and providing assigned reports, as required.

Requirements

• A minimum of three (3) years’ experience in banking and/or real estate lending/ law firm real estate processing normally required.
• Proficient reading, writing, grammar, and mathematics skills.
• Excellent communication skills and strong attention to detail.
• A working knowledge of bank operating policies and procedures.

Nice To Haves

• An associate degree or equivalent preferred.

Responsibilities

• Maintains a thorough knowledge of the features and benefits of all bank consumer products and services to ascertain customer needs and to provide excellent customer service.
• Handles communications from customers, law firms, other lenders, and community office staff regarding loan status, approvals, payoffs, etc.
• Assists customers in obtaining specialized services from other bank departments as necessary; provides help to customers with specific inquiries or service problems.
• Inputs data loan origination and host systems.
• Prepares necessary mortgage compliance documents (disclosures, etc.)
• Reviews new application packages for accuracy, completeness, and prepares them for underwriting.
• Prepares commitment letters.
• Prepares closing packages with all applicable loan and legal documents.
• Generates flood certifications, regulatory disclosures, etc. from web sites.
• Orders appraisals, flood certifications, title reports, etc.
• Works with underwriters to ensure clear title and all conditions of commitment satisfied prior to closings, e.g., taxes, judgments, liens, etc.

Benefits

• Medical, dental, vision, FSA, HSA options for both part-time and full-time employees. Medical coverage is also offered for domestic partners.
• Paid holidays, vacation, and sick time.
• Retirement benefits that include a 401(k), Profit Sharing, and Employee Stock Ownership Plan (ESOP).
• Training & development opportunities.
• Tuition assistance.
• Community focused volunteer opportunities.
• Award winning wellness program that promotes a solid work/life balance.
• Banking perks and discount programs.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Associate degree