Senior Consumer Real Estate Processor

First Financial Bank • Abilene, TX

1d • Onsite

About The Position

We’re always looking for bright individuals to join our growing organization. As a part of the First Financial Family, we will invest in your development and provide a dynamic work environment where you’re challenged, valued and empowered every day. We strive to be the best destination for the industry’s top talent, creating a diverse, collaborative workplace that celebrates innovation and change. We are one team, working together to get things done. Job Description: Office Location: Abilene, Texas, United States SCOPE/RESPONSIBILITIES: Incumbent has limited contact with lending staff and frequent contact with regional loan officers, lending assistants, other departments, title companies, etc. The incumbent will be required to work consumer real estate loans independently without much direct supervision. Incumbent will review his/her own loans prior to final documents being delivered and advise loan staff on changes because of the review. Incumbent must be able to utilize their expertise to effectively apply bank procedures and ensure loans are compliant with both Federal and State regulations. Incumbent will at times be expected to review the work of other loan processors. Must exercise independent judgment and decision-making in routine situations. The ability to delay or stop a loan closing based on the findings of their review may be required. Assist with routine problems and resolve or refer to supervisor or other departments as needed. MINIMUM QUALIFICATIONS: High school graduate or equivalent certification with 24 months of loan processing experience required. 18 months of loan processing experience may substitute with a Bachelor’s degree. Bachelor’s degree is preferred. Excellent verbal and written communication skills. Excellent interpersonal skills with the ability to understand and discuss complex loan scenarios. Ability to work on deadlines with great attention to detail. Proactive and independent with the ability to take initiative. Excellent time-management skills with a proven ability to meet deadlines. The ability to think critically and find alternative solutions. Must have a good understanding of applicable regulations, including but not limited to TRID, Reg. B, HMDA, Flood, QM/ATR Must be familiar with Bank policies and procedures. Proficient with or the ability to quickly learn loan processing software or other lending systems. Proficient with Microsoft Office Suite or related software. ESSENTIAL FUNCTIONS: Create and deliver loan disclosures to customers in a timely manner while ensuring accuracy and compliance. Review each loan file to verify that documents are present, accurate, and complete. Ensure that loans are compliant with Federal and State law as well as with Bank policy. Perform complex and confidential administrative functions including but not limited to: organizing files, data entry, and maintaining accurate records. Process and respond to all incoming methods of communication. Adapt to change in the work environment, manage competing demands and handle frequent changes. Review documents needed for a complete loan package (credit report, flood, appraisal, title work, etc.). Alert lending staff and management when a file may not be compliant with State or Federal law and provide guidance with how to correct. Perform all other duties as assigned. The above statements reflect the general details considered necessary to decide the principal functions of the job identified and shall not be construed as a detailed description of all work requirements that may be inherent in the job. Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c) What Makes Us Unique? You. Since 1890, First Financial has been serving the financial needs of customers in every neighborhood, just like yours. Not just through good times, but during difficult years too. We survived the Great Depression, the collapse of the Texas economy in the 1980s, and the Great Recession. Throughout it all, we remain a place of stability and trust for our customers. While other banks have come and gone, First Financial continues to grow through acquisitions, new branches, and the expansion of our services. It goes without saying, First Financial is not your everyday bank. Our “One Bank, Multiple Regions” concept combines the best of “Big Bank” customer benefits with the local decision making and involvement of a community bank. The Company includes multiple banking regions with 79 convenient locations throughout Texas, and we offer convenient banking options with a local, personal touch. And because we’re one bank, you can visit any of our locations and receive the same friendly service. Much of our success comes from the lifelong relationships we’ve built with people just like you. Providing excellent customer service and education is the focus of everything we do. Our customer education includes training to understand how to improve credit, apply for a home loan, and utilize our products and services. Every day we’re here to help you make sound financial decisions. And don’t be surprised if you step through the door and see a familiar face. Many of our employees are leaders in the community. After all, being involved with the community is an important part of who we are. Discover for yourself how at First Financial, it’s You First.

Requirements

• High school graduate or equivalent certification with 24 months of loan processing experience required.
• 18 months of loan processing experience may substitute with a Bachelor’s degree.
• Excellent verbal and written communication skills.
• Excellent interpersonal skills with the ability to understand and discuss complex loan scenarios.
• Ability to work on deadlines with great attention to detail.
• Proactive and independent with the ability to take initiative.
• Excellent time-management skills with a proven ability to meet deadlines.
• The ability to think critically and find alternative solutions.
• Must have a good understanding of applicable regulations, including but not limited to TRID, Reg. B, HMDA, Flood, QM/ATR
• Must be familiar with Bank policies and procedures.
• Proficient with or the ability to quickly learn loan processing software or other lending systems.
• Proficient with Microsoft Office Suite or related software.

Nice To Haves

• Bachelor’s degree is preferred.

Responsibilities

• Create and deliver loan disclosures to customers in a timely manner while ensuring accuracy and compliance.
• Review each loan file to verify that documents are present, accurate, and complete.
• Ensure that loans are compliant with Federal and State law as well as with Bank policy.
• Perform complex and confidential administrative functions including but not limited to: organizing files, data entry, and maintaining accurate records.
• Process and respond to all incoming methods of communication.
• Adapt to change in the work environment, manage competing demands and handle frequent changes.
• Review documents needed for a complete loan package (credit report, flood, appraisal, title work, etc.).
• Alert lending staff and management when a file may not be compliant with State or Federal law and provide guidance with how to correct.
• Perform all other duties as assigned.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED