Mortgage Loan Assistant

Job Details: Job Location: Corporate Office - Oklahoma City, OK, Salary Range: Undisclosed, Mortgage Loan Assistant is responsible for providing support to our loan application process. The responsibilities of this   position are to assist with the administrative, processing, and prequal duties of an assigned mortgage sales team. At times during the loan process, the Mortgage Loan Assistant may be directly communicating with the client and must be able to effectively facilitate specific process needs including receiving information that may be a potential sales opportunity for the assigned Mortgage Loan Officer. Tasks include, but not limited to ordering and collecting documentation required for the timely closing of loans. Mortgage consultant or similar experience or education is required as well as strong computer skills, time management, communication, and multitasking.

**This position is eligible for remote work for candidates residing in Texas or Oklahoma. Employees who reside within 60 miles of our corporate office or any bank branch will be expected to work on-site at a designated office location.**

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
Review new files within 48 hours
Close all loans on or before expected closing date
Keep accurate and updated notes on every loan file in our Loan Origination System

ESSENTIAL FUNCTIONS

Promote an outstanding customer experience by exemplifying prompt follow-up and proactive internal/external customer communication, proper etiquette, and all other professional customer service qualities to build a better life for our clients
Act as liaison between Mortgage Loan Officer and Mortgage Processor
Act as the liaison with group of established realtors (20-30) to allow Mortgage Loan Officer to concentrate on generating new business
Review complex files; identify potential problems with loan applications and arrive at workable solutions prior to submission to Processing
Monitor pipeline, including updating Mortgage Loan Officer on pipeline status and updating borrowers and builders on status of loan
Watch for and prevent pipeline fallout
Coordinate marketing to buyers, sellers, realtors and builders; assist in staffing Realtor/builder open houses and trade shows
Coordinate the preparation of required loan documentation; review documentation for compliance with documentation requirements; coordinate the execution of loan documents; organize workflow for loan renewal; follow up with clients, insurance agents, Title Company and/ or attorney for missing loan documentation as necessary
Effective file maintenance to resolve exceptions or any other documentation deficiencies along with actively managing outstanding exception items for compliance with Credit Policy

ADDITIONAL RESPONSIBILITIES

Perform other duties as assigned.

Qualifications: 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: Mortgage Production Manager

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 equivalent required, Associates or Bachelor’s Degree preferred
Minimum of 2 years of mortgage processing or lending experience preferred