The Mortgage Support Specialist is responsible for the overall completeness and accuracy of mortgage documents. This position is responsible for reviewing closing documentation, preparing closed loan files for shipping and insuring, clearing exceptions for loans with third party investors/HUD, requesting final documentation and submitting documentation, and assisting the Mortgage Loan Officers with Pipeline Management.

STATEMENT OF EXPECTATIONS

Chickasaw Community Bank (CCB) expects all employees to comply with the responsibilities of their assigned position to the highest degree of performance.  Expectations include but are not limited to:

• Adhere to the bank’s policies and support management decisions and goals in a positive, professional manner
• Represent CCB with a high level of integrity and professionalism
• Maintain knowledge and understanding of banking rules, regulations, laws, and all policies and procedures
• Knowledge of applicable bank software, programs, and procedures
• Demonstrate a willingness to adapt to changing business needs and deadlines
• Possess a work ethic that includes neatness and punctuality
• Exhibit a professional, business-like appearance, and demeanor
• Answer all voicemails and emails within 24 hours of receipt
• Confer with management concerning questions, procedures, necessary information, forms completion, and problem resolutions
• Complete and attend all required CCB training
• Maintain satisfactory attendance

ESSENTIAL FUNCTIONS

• Review closing documentation for completeness and accuracy, ensuring docs meet with Secondary Market certification requirements
• Scan and file closing packets, mailing notes, allonges and releases to investors, and mailing trailing documents monthly.
• Preparation of closed loan files for shipping to investors and/or HUD for insuring purposes
• Monitor investor purchase timeline and ensure post-closing loans are delivered within required investor deadlines.
• Act as the cancellation clerk by assigning cancelled files to the UW team and sending out AA letters.
• Send out NOIs and conditional approval letters to borrowers.
• Processes application deposit and refunds
• Monitor pipeline, including updating Mortgage Loan Officers (MLOs) on pipeline status and file reviews

ADDITIONAL RESPONSIBILITIES

• Perform other duties as assigned.

ENVIRONMENT AND INTERACTION

Work areas are inside, in a climate-controlled environment, with moderate background noise. Position may involve occasional travel to branch locations. Position may involve exposure to potentially hazardous conditions (e.g., robbery).

• Reports To: VP/Operations Manger

PHYSICAL ACTIVITIES REQUIRED TO PERFORM ESSENTIAL FUNCTIONS

• Normal office environment.
• This work is sedentary and requires the following physical activities:
  • Sitting for long periods of time; occasional bending, squatting, kneeling, stooping; good finger dexterity and feeling; frequent repetitive motions; talking, hearing, and visual acuity.
  • Frequent lifting (up to 10 pounds of paper supplies or minor office equipment).

PROFICIENCIES

• Good written and oral communication skills; ability to communicate effectively and project a professional image when giving and taking information in writing, in person and over the phone
• Superior customer service skills
• Ability to multi-task and remain professional in a challenging environment with constant deadlines
• Ability to learn and navigate computer systems and websites necessary to complete job description and other duties as assigned
• Ability to work independently and as part of a team
• Ability to take initiative and prioritize tasks; excellent time-management, organizational, problem-prevention and problem-solving skills
• Knowledge and understanding of banking rules, regulations, laws and all policies and procedures pertaining to them including but not limited to the Bank Secrecy Act
• Ability to work accurately with close attention to detail
• Ability to maintain confidentiality of sensitive information
• Ability to study and apply new information
• Advanced knowledge of the mortgage department’s Loan Operating System (LOS)
• Ability to learn products, services and procedures quickly and accurately; explain concepts clearly to customers
• Ability to establish credibility and rapport, be friendly and personable and look for ways to benefit the customer
• Excellent customer contact skills; comfortable asking questions/interviewing customers about their financial situation; strong listening skills
• Must be self-motivated, assertive, and perform well in a team environment
• Must be organized and maintain a positive demeanor in all situations

EDUCATION AND EXPERIENCE

• High School Diploma or GED required
• Associate’s degree or equivalent combination of education and relevant experience
• Minimum of 2 years of mortgage experience preferred
• Encompass experience preferred