Consumer Loan Representative

Overview
Join our dynamic team as a Consumer Loan Representative, where you'll play a vital role in helping customers achieve their financial goals through responsible lending. As a member of our team, you'll contribute to building trust and delivering exceptional customer experiences while ensuring compliance with industry regulations.

Duties

• Originate Fixed Home Equity and Home Equity Line of Credit loans within established CREST SAVINGS BANK practice and policy.
• Evaluate credit report and provide supporting documentation, if necessary.
• Conduct applicant interview and review and evaluate applicant financial and credit data to determine acceptable risk.
• Input loans into Loan origination System and issue proper disclosures and preliminary documents as required by Federal regulatory compliance
• Assist processors with obtaining Pre-closing conditions from borrowers.
• Process Modification requests according to the established policy and procedures of Crest Savings Bank.
• Be proficient in multi-tasking and prioritizing files.
• Work with Manufactured Housing partners to ensure MH loan purchased are within the credit guidelines of Crest Savings Bank
• Prepare and evaluate submitted requests for loan purchase by the MH partner
• Validate credit, income, asset and property documentation submitted
• Maintain pipeline and closed loan reports of MH loans.

Requirements

• Provide superior customer service to existing and prospective customers.
• Comply with all Federal and State compliance policies and adhere to all HMDA Requirements.
• Issue proper disclosures as required by Federal regulatory compliance.
• Maintain a working knowledge of the mortgage lending and underwriting process.
• Maintain a working knowledge of banking regulations including Regulation Z and Real Estate Settlement Procedures Act (RESPA).
• Proficient in use of loan origination system, Microsoft Word, Excel and Internet.
• High level communication skills: written-verbal listening.
• Exhibit an overall polite, professional attitude to co-workers (and applicants.)
• All employees are expected to practice proper and pleasant phone etiquette.
• Greets/welcomes customers in a friendly, professional manner.
• Follow all security guidelines set forth by Crest Savings Bank including safeguarding customer confidentiality.
• Actively participates and positively influences coworkers in all interactions including meetings, working groups, and other company activities.
• Performs other duties for the Bank as assigned at management’s discretion.

Required Experience

Three (3) years related experience and/or training; or equivalent combination of education and experience; or high school diploma or general education degree (GED).

Join us to maintain and grow Crest Savings Bank’s “consumer” loan portfolio.

Equal Opportunity Employer

Pay: $25.00 - $30.00 per hour

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Employee assistance program
• Health insurance
• Life insurance
• Opportunities for advancement
• Paid time off
• Tuition reimbursement
• Vision insurance

Experience:

• Consumer Loan: 3 years (Required)

Ability to Commute:

• Wildwood, NJ 08260 (Required)

Work Location: In person

Salary : $25 - $30