PURPOSE OF THE JOB
This position assists the Loan Services Manager in the supervision of the Loan Services staff, which supports the booking and ongoing servicing of the bank's consumer, commercial, and mortgage loans. Serves as support to Loan Services Manager in loan core processing system, with responsibility for upgrades and installations of new products. Assists in ensuring adherence with loan compliance regulations. Works with sub-servicing, tax tracking and force placed insurance vendors to verify services provided. Assists Manager in supervision of loan imaging system. Along with Loan Services Manager, works closely with lenders, department managers, and senior and executive management to service customers, improve processes, and ensure regulatory compliance. Serves as conversion team member in bank acquisitions.
MAIN DUTIES OF THE JOB
Assists in the supervision of day-to-day activities for the loan servicing function (Bank owned and Investors) including the scheduling of workflows, supervision of staff, and employment of systems.
Enforces Bank Policies and mitigates risk through the development and maintenance of procedures employed to provide quality, timely, and cost effective product delivery to the Bank's Customers.
Serves as technical liaison for core processing system ensuring a strong understanding of system processing, shadow accounting, and escrow processing.
Assists in the supervision of the preparation of periodic reconciliations of loan system general ledger accounts and research and clearing of daily differences.
Along with Loan Services Manager, supervises the flow of documents for imaging and indexing to Director.
Supervises safekeeping of bank's original loan documents including promissory note and original collateral documents.
Participates in activities to monitor the activities of vendors for mortgage sub-servicing, property tax tracking, and force placed insurance.
Assists Loan Services Manager in ensuring compliance with Flood Disaster Protection Act, Fair Credit Reporting Act, RESPA, CFPB requirements, and other loan compliance requirements.
Works with staff to ensure current procedures are written and employees are trained in accordance with procedures.
Produce management information reporting as necessary
In coordination with manager, completes assigned job performance evaluations and prepares and conducts employee counseling as required.
Participates in the development of system and process requirements for new products, regulatory changes to existing products, and new or revised technology.
Performs production tasks on a routine basis.
Supervise projects as assigned within the Loan Services Department and participate in projects outside the Department.
Performs other related duties as assigned
WHAT WILL YOU NEED TO SUCCEED
Good understanding of legal and regulatory environment and industry standards
Good understanding of lending law for states of Louisiana and Mississippi
Technical experience to include a thorough understanding of consumer, mortgage, and commercial system loan processes and documentation
Exercise good judgment when problem solving both internally and externally.
Comply with all Bank policies and procedures.
Ability to communicate effectively with all internal business partners and external customers.
Ability to react and respond to critical demands of the department with competing deadlines.
Established interpersonal and organizational skills. Ability to utilize personal computer, various software applications and applicable
HOME BANK IS AN EQUAL OPPORTUNITY EMPLOYMENT
GOOD CREDIT IS A MUST
CREDIT REPORT IS REQUIRED FOR EMPLOYMENT
Home Bancorp, Inc.