Home > Utah jobs > Utah real estate jobs

Posted: Wednesday, January 24, 2018 7:07 PM

Requisition Number
Post Date
Real Estate Processor
Citizens Community - Idaho Falls
Job Family
Citizens Community Bank
Part Time
Position: Real Estate Loan Processor
Reports to: Real Estate Loan Operations Manager
FSLA Status: Non-Exempt
Process and prepare for closing retail mortgage loans (conventional and government, purchase and refinance) under various loan programs in accordance with policies & procedures.
Employee will have extensive contact with customers, vendors, the general public, and bank staff and will interact in a professional and courteous manner, and conduct him/herself in such relationships in a manner that will enhance the overall efficiency and
image of the bank.
Essential Functions
Loan Set Up-All verifications, title policies, appraisals, and credit reports ordered promptly upon receipt of file. Processor contacts the loan officer and discusses the file (as needed if not clear). This meeting should cover: Loan types and terms, loan
purpose (including specific debts to pay off, recalculate ratios, discuss income sources, loan to value, private mortgage insurance if required, source(s) of down payment and closing costs, anticipated closing date (mail out, etc.), idiosyncrasies of loan,
all documentation required to order appraisal, confirm all disclosures have been done, water test, well log, road maintenance agreement, agree on document required and expected date of return.
Loan Processing - All loan files are set up accurately within a reasonable amount of time after receiving application from loan officer. Any differences between the incoming documentation and the original application are reported to the loan officer upon
discovery (i.e., derogatory credit, lower income, insufficient cash for closing, etc.). Processor will regularly contact loan officer(s) and underwriter to discuss the status of each file. Processor documents all pertinent information in the file. The loan
application is reviewed for completeness and accuracy. The loan package is complete as to all underwriting requirements to accommodate the expected closing date, except those conditions which can only be satisfied at closing. The loan has been approved by
the underwriter and reviewed by the compliance staff, with limited conditions remaining, prior to closing the loan.
Additional Responsibilities
Participate in Community Service and Bank-sponsored activities that serve and support the mission and values of Citizens Community Bank.
Provide superior internal and external customer service: must demonstrate self-governance, courtesy and respect toward external customers as well as internal customers (all organization personnel).
Complete required bank and BVS training courses within assigned time frame(s).
All employees are accountable for compliance with applicable laws and regulations when performing their job duties. Each employee is expected to participate in required training to become familiar with the legal and regulatory requirements affecting his or
her job responsibilities. It is the affirmative duty of each employee to carry out these responsibilities at all times in a manner that complies with all applicable legal and regulatory requirements.
Represent Citizens Community Bank in a professional manner which includes a professional image, confidentiality, a positive can-do attitude, good attendance, punctuality, flexibility and adaptability in meeting bank and customer needs. Keep work area tidy
and maintain customer privacy.
Additional duties as requested or assigned.
Required Qualifications
High degree of attention to detail as well as excellent organizational skill(s) to perform in a fast-paced environment.
Must have ability to prioritize and organize heavy workload(s) and demonstrate effective time management skill(s).
Must have the ability to work in a professional manner and consistently demonstrate courtesy, customer service, and tact in a fast-paced/deadlines-oriented environment.
Ability to work quickly and accurately: perform effectively under pressure; meeting multiple and sometimes competing deadlines and make decisions based on regulation(s), company policy(s), knowledge and experience.
Ability to work both independently and in a team environment.
Ability to understand and follow complex written and oral instructions.
Ability to communicate effectively verbally and in writing.
Basic computer skill with working knowledge of word processing, spreadsheets, ten-key, and general computer applications.
Working knowledge of standard office equipment.
High school diploma or equivalent.
Preferred Qualifications
Previous 3-5 years processor experience.
Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control
Physical Demands and Work Environment
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of the job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential
functions. While performing the duties of this job, the employee is constantly required to stand, walk, talk, hear, reach with hands and arms, use hands to finger, handle and feel items, write, read, and keyboard. The employee is frequently required to climb
up and down stairs. Occasionally, the employee must sit, stoop, kneel, crouch, or crawl. The employee may infrequently be required to climb and balance. The employee may be required to lift and/or move up to 25 pounds. The employee is infrequently required
to lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision, distance vision, peripheral vision, depth perception and the ability to adjust focus.
The work environment characteristics described here are representative of those an employee will encounter while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential
functions. While performing the duties of this job, the employee works primarily indoors, works with others and works around others. The employee may work extended days/hours. The noise level of the work environment is usually moderate.
+ We are an Equal Opportunity Employer and qualified applicants or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical
disability, genetic information, protected veteran status, or any other category protected by applicable federal, state or local laws.
Associated topics: credit, document, loan, loan clerk, loan closer, loan collections officer, mortgage clerk, mortgage processor, process, verify


• Location: Idaho Falls, Logan

• Post ID: 18267827 utah is an interactive computer service that enables access by multiple users and should not be treated as the publisher or speaker of any information provided by another information content provider. © 2018