Loan Processor I (Construction/ Perm.)

Overview Primarily responsible for the coordination of funding for construction loans from closing through 'roll to perm' or modification, ensuring compliance with all Bank policies and government regulations while providing excellent customer service. Responsibilities Preparing and Processing Draws (65%): Perform draw activities in accordance with established procedures Ensure all appropriate documentation is maintained and updated in each file Order title updates, inspections, and endorsements Ensure that all draws are properly posted for accounting purposes Prepare and e-mail requests at each draw to borrowers, attorneys, settlement agents, appraisers, and any other required parties Roll to Perm/Modification (20%): Coordinate rollover activity with borrowers, builders, loan officers, processors, C&F Mortgage underwriting, and closing for collection of approved documents Communicate with borrower and builder regarding certificate of occupancy, final inspection, and other necessary steps in the process Calculate the final draw Quote payoff, orders change-in-terms document, and images file to Director Order any other necessary documents for compliance Obtains real estate tax information and homeowners insurance as applicable Preparation of New Loan Draw and Builder Files (10%): Creates draw files/builder files in accordance with established procedures Obtains and verifies references, credit reports, and licenses for any new builders Prepare approval request for manager review Acts as primary contact for builders/borrowers Special Projects/Other (5%): Attends training courses during the year to enhance knowledge base and participate in sharing the information as part of department training. Complete assigned training, including required tests, within the indicated timeframes. Assists with special projects and other duties as assigned Approximately 5% travel to Bank locations and subsidiaries within central and eastern Virginia.

Qualifications Qualifications:

Education and Experience:

High school diploma or equivalent is required. Some college preferred. TA combination of experience and education will be considered. 1-2 years of banking, lending, branch operations, or office/ administration experience required , such as: Teller or Senior Teller OR Office / Admin Associate OR Loan Operations, Deposit Ops, or Servicing support

Knowledge, Skills, and Abilities:

Excellent communication, organizational, and analytical skills are required to perform successfully in this role. Must be able to effectively utilize technology tools, such as PC and MS Office- with a strong knowledge of Excel and Outlook. Able to communicate effectively with people at all levels is required. Must be effective with time management and be detail oriented. Must be able to work independently with frequent interruptions. Travel Must be able to travel to all Bank locations, including subsidiaries.

Physical demands:

Employee may experience the following physical demands for extended periods of time: view computer monitors, keyboarding, sitting, motion of fingers/hands/wrists, and standing/walking.

Work Environment:

Work is performed onsite in an operational office environment.

Note:

This job description contains the essential functions, duties, and responsibilities of the position in accordance with the Americans with Disabilities Act (ADA). Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. C&F Bank reserves the right to make future revisions to this job description and the inherent responsibilities of the position based on the needs of the organization. Equal Employment Opportunity Statement -- C&F is committed to providing equal employment opportunity to all qualified persons and reaffirms in policy and practice that it shall not discriminate against applicants or employees because of race, color, religion, gender, age (over 40), disability, genetic information, veteran status (disabled veterans, recently separated veterans, active duty wartime or campaign badge veterans, Armed Forces service medal veterans, and Vietnam era veterans), national origin, or any other consideration protected by applicable federal, state, or local law. This applies to all areas of employment, including promotion, transfer, layoff, termination, compensation, benefits, recruitment advertising, recruitment, and selection for training.