As a Consumer Real Estate Compliance Processor, you are responsible for the monitoring of initial loan disclosure and re-disclosures as well as monitoring for proper ECOA timing for withdraws and denials. The ideal candidate will be able to adhere to regulatory standards while maintaining a sense of urgency to meet deadlines.

Responsibilities

Daily responsibilities include, but are not limited to, the following:

• Monitor, create and/or deliver all necessary disclosures – initial and updated – within regulatory timeframes as required, but not limited to, Regulation B and Regulation Z
• Obtain title and recording fee quotes on properties located outside of primary lending area as requested
• Monitor and update Loan Origination System with disclosure mailing information as required
• Monitor prequalifications and applications for Regulation B timing and completed application status as required by ECOA
• Process Notice of Incompleteness letters to borrowers as needed to meet compliance requirements
• Process and review withdraws and denials for accuracy and send denial letters to borrowers
• Review HMDA reports monthly to ensure accuracy of the HMDA data prior to Bank compliance review
• Review fees paid on denials and withdraws and ensure fees are transferred or expensed properly
• Assist with other mortgage areas as needed

Job Requirements

The successful candidate will have the following qualifications:

• High school diploma or equivalent
• General banking specific to loan processing is required
• High level of organization and attention to accuracy and detail is required
• Excellent communication skills required, must be able to communicate effectively and tactfully with both lending personnel and bank customers
• Excellent decision making skills
• Sense of urgency and the ability to meet compliance deadlines
• Experience with consumer regulatory compliance preferred
• Excellent computer skills required
• Experience with lending software preferred

Benefits

• 401(k) with a company match of up to 6%
• ESOP employer match
• Medical insurance
• Dental insurance
• Vision insurance
• Cancer / Disease insurance
• Accident insurance
• Flexible Spending Accounts
• Health Savings Accounts
• Humana Go365 Wellness & Rewards Program
• Bank paid Life / AD& D insurance
• Voluntary Life / AD&D insurance
• Bank paid Short-Term and Long-Term Disability insurance
• Employee Stock Purchase Plan
• Employee Assistance Program

Physical Requirements

The physical demands described here are representative of those that must be met by an employee in order to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the functions of this job, the employee will continually communicate with coworkers or customers. The employee will constantly position themselves to sit or stand, and occasionally move around the office to access filing cabinets or office machinery. The employee will constantly operate a computer, using repetitive movements of hands and fingers, and other office productivity machinery, such as a calculator, copy machinery, and computer printer. The employee will frequently identify, observe and assess materials and information, visually or otherwise. The employee will frequently be required to lift or carry up to 10 pounds, and occasionally be required to lift or carry 11 – 50 pounds, with assistance if needed.

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)