Position Summary: The Senior Retail Real Estate Loan Processor is responsible for all processing steps from origination through closing, and the generation of initial and closing documents of real estate secured loans.  This position is responsible for managing a pipeline that includes a variety of real estate secured loan types (Construction, First Lien Mortgage, Subordinate Financing, Home Equity etc.). This person will also review the teams initial and pre-closing documents in addition to Amendments to ensure bank requirements, regulatory compliance guidelines and customer service guidelines are met .

　　Essential Functions:

　　Coordinate and contribute to the daily activities of the Retail Loan Operations real estate processing team.

　　Manage daily workflow of real estate processing; including monitoring of pipeline.

　　Process and close more complicated real estate secured loans which include a variety of loan types, such as Construction, First Lien Mortgage, Subordinate Financing and Home Equity loans.

　　Conduct reviews and communicate results of initial and pre-closing documents for the Processing Team to ensure real estate loans meet all bank policy requirements, complex regulatory compliance guidelines, and customer service standards

　　Provide operational guidance and support to Personal Bankers and Loan Officers.

　　Review and communicate results of the review of Amendment documents submitted through the WAM portal.

　　Identify and bring attention to compliance risks or potential departmental efficiencies.

　　Coordinate testing of new products and software.

　　Facilitate initial and ongoing training for real estate processing team.

　　Update procedures.

　　Understand and anticipate all requirements of the real estate loan cycle from beginning to end. 

　　Demonstrate thorough understanding and ability to apply in-depth knowledge of all federal regulations and bank policies/procedures related to real estate lending. 

　　Lead by example in creating ways to challenge team while providing ongoing motivations and positive reinforcement.

　　Provide a high standard of customer service to both internal and external customers in person and by telephone. 

　　Understand and adhere to all bank policies, laws and regulations applicable to their role. Complete compliance training; follow internal processes and controls as required.

　　Report all compliance issues, violations of law or regulations in accordance with the steps defined in bank policies.

　　Performs other job related duties or special projects as assigned. 

　　Regular and reliable attendance is an essential function of this position .   

　　Qualifications:

　　Three years real estate loan processing required.

　　Experience with HELOCs, bridge and construction loans required.    

　　Knowledge of all federal regulations and policies/procedures involving real estate lending. 

　　Proficiency in Microsoft Word, Excel and in working with other financial software.

　　Experience with Encompass and Fiserv software, including Navigator and Director preferred.   

　　Preferred Talents:

　　Multi-tasker

　　Accurate and detailed

　　Problem solver

　　Deadline driven with good judgment

　　Effective communicator

　　Positive and people focused 

　　Independent with a team orientation

　　Working Environment:

　　Indoor work – not exposed to outdoor elements or hazards. 

　　Some sedentary work and occasional lifting and/or carrying up to 10 pounds.

　　This role is eligible for hybrid work from home opportunity under the work from home guidelines upon completion of onboarding. 

　　PLEASE VIEW THE APPLICANT TERMS & CONDITIONS (https://www.ubt.com/ubt-employment-terms-conditions) BEFORE PROCEEDING WITH YOUR APPLICATION.

　　 Equal Opportunity Employer Minorities/Women/Veterans/Disabled

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