Trid Lending Specialist

Guaranty Bank & Trust Company•Greenville, MS

20h

About The Position

The TRID Lending Specialist handles consumer loan applications subject to TRID (Truth in Lending Act and Real Estate Settlement Procedures Act Integrated Disclosure) regulations, excluding final lending decisions. The role receives applications from branch lenders or assistants, communicates with applicants, enters applications into the appropriate software, gathers and verifies underwriting documentation, and provides complete and timely information to the decisioning lender. It supports compliance with consumer lending and other applicable federal banking regulations throughout application processing, approval, closing, disbursement, and post-closing follow-up. The specialist coordinates loan closings, reviews documents for accuracy, prepares loan packages, presents documents to borrowers, answers questions, obtains signatures, disburses funds, balances related tickets, and submits documentation for booking and loan processing. The role also provides professional customer service to applicants and bank visitors, responds to basic inquiries, routes incoming callers, completes assigned training, and assists other departments as needed. The position is regular full-time, hourly, and non-exempt, located in Greenville or Iuka, and reports to the Retail Credit Manager.

Requirements

High school diploma or equivalent.
One to two years of experience in banking or a related field.
Required competencies include accountability, accuracy, active listening, conceptual thinking, confidentiality, community development, critical thinking, data-entry proficiency, attention to detail, ethical conduct, integrity, and respect.
Ability to perform the essential functions with or without reasonable accommodation.

Nice To Haves

Post-secondary certificate or degree; experience may be considered.
Three to five years of experience in banking compliance, HMDA/CRA, lending, or a related area, with knowledge of HMDA/CRA regulatory requirements and underwriting.

Responsibilities

Receive applications from branch lenders and/or lender assistants and establish communication with applicants.
Enter TRID applications in the appropriate software and follow loan-processing timing guidelines for disclosures and loan documents.
Gather, order, obtain, verify, and document information needed to underwrite applications and support sound lending decisions, including applicant and co-signer or guarantor income and expenses.
Provide the decisioning lender with required information and documentation in a timely manner; the role does not make final lending decisions.
Comply with consumer lending regulations and applicable federal banking requirements, including BSA, OFAC, CRA, ADA, Right to Financial Privacy Act, Gramm-Leach-Bliley Act, applicable Federal Reserve regulations, and TRID responsibilities.
Provide customer service throughout the application and loan-closing process.
Send requested Adverse Action Notices or Counter Offer Notices, including appropriate reasons or stipulations, on declined applications within 30 days of the application date.
Compile documentation needed to protect the bank's collateral position, demonstrate regulatory compliance, and enable Loan Processing to process the loan package.
Prepare loan-file documentation for Safety/Soundness, Compliance, BSA, OFAC, and related purposes, including exhibits, title applications, and documents not supplied by Loan Processing.
Establish loan closing dates and times; check loan documents for accuracy before closing.
Prepare loan packages, present them to borrowers, answer inquiries, obtain signatures, and disburse funds appropriately.
Prepare and balance disbursement and fee tickets, then submit required documentation to New Loans for booking immediately after disbursement.
Attach application documentation electronically, prepare closed-loan packages, and send them to Loan Processing in a timely manner.
Obtain additional post-closing documentation or information and clear exceptions in a timely manner.
Follow guidelines for providing required HMDA and CRA information.
Represent Guaranty Bank & Trust Company professionally, efficiently, and tactfully; greet and assist customers and maintain professional relationships with management and colleagues.
Answer basic inquiries in compliance with disclosure, regulatory, and consumer privacy requirements; assist incoming callers and route them as appropriate; receive bank visitors and direct them appropriately.
Work overtime as needed, complete assigned BVS courses on time, perform other duties to support an efficient TRID loan process, follow bank policies and standards, and assist other departments as needed.