CONSUMER LOAN DOCUMENT SPECIALIST I MABREY BANK - 3.5

Tulsa, OK Job Details 12 hours ago Benefits Life insurance Qualifications Fair Credit Reporting Act (FCRA) Customer communication UCC law Home Mortgage Disclosure Act (HMDA) Real Estate Settlement Procedures Act (RESPA) High school diploma or GED Productivity software Full Job Description

JOB PURPOSE

The Consumer Loan Documentation Specialist I is primarily responsible for preparing consumer loan documents and reviewing closed loan commitments on new, renewed, refinanced, and modified consumer and consumer real estate credit transactions. The Consumer Loan Documentation Specialist I is expected to work well with others and maintain courteous and professional communications with co-workers and customers.

ESSENTIAL DUTIES

Embodies Mabrey Bank's Core Values - professionalism, stewardship, performance, integrity, reliability, teamwork - as a team player across the company. Demonstrates exceptional customer service skills and adheres to the EXCEED Customer Service Standards. Demonstrates high proficiency and satisfactory understanding in various consumer and consumer real estate loan transactions with minimal errors and possesses a strong understanding of loan documentation concepts. Provides mortgage application information and disclosure requirements to the parties involved including the lending line. Analyzes loan applications, commitment/loan worksheets, and closed loan transactions for a range of consumer and consumer real estate credit transactions (new, renewed, refinanced, and modified). Interprets supporting legal documents and reviews all necessary documentation for each transaction. Assists the lending line by handling administrative tasks such as procuring flood determinations, credit reports, appraisals, and title work. Ensures compliance with all title work requirements before finalizing loans. Prepares and audits various documents (notes, security agreements, loan agreements, mortgages, disclosures, resolutions, etc.) at loan closing and conducts post-closing reviews to ensure correct documentation, signatures, and approvals. Enters identified exceptions into the tracking system with appropriate tickler dates. Facilitates loan closings in collaboration with the lending line and title companies to ensure precise closing disclosures. Handles tasks such as obtaining payoffs, updating insurance, and arranging wire transfers related to loan closure. Additionally, collaborates with the Underwriting team to verify all approvals and documentations are in order. Reviews loan packets to ensure all documents are received from the Lending Line. Performs all steps of the imaging process: scanning, quality control, validation, indexing, cross-referencing, and refiling documents in Synergy according to Bank policies. Ensures accurate and complete loan files in Synergy, including cross-indexing per standards for loans with cross-collateralization. Determines appropriate actions to be taken to ensure proper lien perfection on all types of collateral; validates holds are placed on CD's, possessory collateral is obtained and placed in safekeeping, and obtains acknowledgements and assignments. Prepares and files various city, county, and state filings (lien entries, mortgages, releases, UCC continuations, and terminations, etc.) in an accurate and timely manner according to Bank policies and procedures. Creates and labels yellow folder that houses original loan documents that are kept in the vault: promissory note, filed mortgage, and guaranty agreement(s). This includes extensions, modifications, renewals, assumptions, assignments, endorsements, skip-a-pay forms, and exhibits to the original note and extensions or modifications to the original filed mortgage. Files the yellow folder accurately in the vault according to established system. Reviews and analyzes incoming documents/images, including financial information to clear exceptions, to determine if document cures exception situation, indexes the image to the correct loan/CIF record, and updates the exception tracking system accordingly in an accurate and timely manner and according to Bank policy and procedures. Prepares appropriate documentation to release liens on paid off loans, which can include mortgage releases, oil & gas mortgage releases, UCC's, liens on titles, holds on deposit accounts, stock & bonds, and life insurance collateral. Seeks appropriate approval to release and signatures on released documents. Develops and maintains a personal program for maintaining an adequate level of knowledge in banking and job-specific matters and demonstrates personal and interpersonal behavior, attitude, judgement, communication, and initiative with customers and employees to ensure an acceptable degree of performance. Assists with backing up other personnel and various other duties to ensure a smooth operation of the department. Adheres to attendance and punctuality standards. Performs any other duties as assigned.

REQUIRED QUALIFICATIONS, KNOWLEDGE, SKILLS, AND ABILITIES

High School Diploma or GED. One-plus years of loan documentations experience or three-plus years of equivalent experience. Knowledge of the Uniform Commercial Code, Regulation B, C, Z, RESPA, Fair Credit Reporting Act, Flood Disaster Protection Act, and other federal and state regulations on lending, consumer compliance, and commercial and consumer lending policies. Proficient in Microsoft products, such as Office, Word, Excel, Power Point, and other job-related programs used to generate loan documents. Analytical and problem-solving skills. Excellent interpersonal, verbal, and written communication skills.

PREFERRED EXPERIENCE

Associate Degree in Business Administration or similar area of study. Jack Henry experience or similar core processing system. 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