VP Mortgage Lender - Abilene, United States - First Financial Bancorp

Description

Address

We're always looking for bright individuals to join our growing organization. As a part of the First Financial Family, we will invest in your development and provide a dynamic work environment where you're challenged, valued and empowered every day. We strive to be the best destination for the industry's top talent, creating a diverse, collaborative workplace that celebrates innovation and change. We are one team, working together to get things done.

Job Description:

Office Location:
San Angelo, Texas, United States

SCOPE/CONTACTS: The incumbent will review loan files for accuracy and compliance, prepare files for auditors and quality control audits. Will underwrite files and appraisals to agency guidelines. Investor and Bank lending policies and procedures guide this position. Incumbent has extensive contact on a daily basis with Bank customers, bank personnel as well as outside contact with Realtors, builders, title companies, appraisers, underwriters, and other related entities to insure a competitive product that meets the customer's needs.

ESSENTIAL FUNCTIONS:

• Responsible for underwriting and approving all eligible loans.
• Helps loan officers select investors that can best meet loan prospects, and Company's, needs
• Determines the accuracy/appropriateness of documents submitted in conjunction with loan applications
• Ensures loan documentation compliance with lending and investor requirements
• Makes decisions regarding how to prioritize multiple tasks and best meet prospect customer needs.
• Reviews and underwrites mortgage loans against investor guidelines to include reviewing loans to insure accuracy and completeness ensuring loans meet investor guidelines for sale into secondary market researching industry investor guidelines for various loan programs issuing an underwriting status report to update loan status.
• Aids loan officers and loan processors to include:
  • requesting additional information to meet loan guidelines, answering questions and providing information on loan scenarios, anticipating and addressing loan problems as they arise.
• Oversees quality control of loan files to include:
  • documenting loan files coordinating quarterly audits of loan files.
• Actively participates in the Customer Service First sales and service culture, supports the values of the Organization, and follows established Bank policies and procedures.

MINIMUM QUALIFICATIONS:

• High school education or equivalent.
• Must have a minimum of five years loan processing and/or underwriting experience
• Working knowledge of investor and government guidelines and procedures.
• Computer skills should include Microsoft Office software.
• Good organizational, communications, and customer relations skills are required.
• Attention to detail and mental concentration are necessary for accurately performing tasks, prioritizing workload, meeting deadlines, and handling frequent interruptions.

The above statements reflect the general details considered necessary to decide the principal functions of the job identified and shall not be construed as a detailed description of all work requirements that may be inherent in the job.

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 c)