Overview
Pay Range: $20.10 - $26.79
Prepares home equity and mortgage loan and pre-approval requests for underwriting. Orders third party services, including but not limited to: appraisals, flood determinations, title searches, credit reports, fraud services, verifications and running of the loan through automated underwriting systems. Verifies accuracy of the data input to the loan origination system. Works with borrower, loan officer and others to resolve questions and obtain documentation in a timely manner.
Education and Experience
2 years of banking or lending experience preferred
2 year Business Degree or equivalent education and experience
Skills and Abilities
Familiarity with credit reports, appraisal review and income and asset calculations preferred, but not required.
Completion of real estate lending introductory class(es) to include the basic understanding of home lending
Analytical and problem-solving skills
Ability to multi-task on numerous responsibilities simultaneously
Strong computer proficiency – i.e. Microsoft Word, Excel and the Internet
Strong communication skills (written and oral)
Strong customer service skills
Strong organization skills
Unique Job Characteristics and Requirements Specific training required includes one (1) to two (2) self-employed income analysis, appraisal review, and processing training courses be completed. NMLS Certification required or ability to obtain upon hire.
Tasks Performed
25% Prepare and ensures the accuracy and timely delivery of all customer correspondence, including but not limited to: disclosures, incomplete letters, commitment letters, counter-offer letters, declination notices, and other correspondence in accordance with policy, procedure and applicable regulation. Orders and tracks the receipt of third-party services and documentation within established departmental service levels. Continuously updates the loan origination system as information and documentation is received. Responsible for referring loan to underwriter if any received information or documentation substantially impacts the underwriting decision. Performs preliminary review of third-party reports and documentation as received; prepare for submission to the underwriter for final review and approval.
25% Proactively monitors pipeline reports to achieve established turnaround time and customer service level metrics. Monitors all loan requests to assure loan reservations, rate locks and decisions have been completed within applicable timeframes and in conjunction with bank, investor or insurer guidelines. Assists in other areas of department when necessary.
25% Review loan application requests in conformance with bank, investor and/or insurer guidelines. Obtain and track all required documentation to assure individual and departmental service levels are being met, update loan origination system with statuses. Verifies income, assets, credit history and other relevant data through supporting documentation. Assures that these items meet the appropriate bank, investor and/or insurer guidelines. Submits the loan file through the appropriate automated underwriting system. Assures the integrity of the automated decision by comparing the loan file and supporting documentation data with the system data for accuracy. Updates the loan origination system with any changed circumstances and resubmits the loan through the automated underwriting system, as applicable.
20% Provides excellent customer service by responding to external and internal customer inquiries in a timely and courteous manner. Answer questions that pertain to policy, procedure, and workflows. Maintain workloads within established departmental objectives. Keep the Home Lending Processing and Underwriting Team Leader aware of any issues. Maintains a positive attitude and works as a team player with management, co-workers, and others.
5% Other duties as assigned.
Physical Requirements
Communicate effectively with internal and/or external customers
Stationary 75% of time or greater
Move Objects to Maximum 10 lbs
Why Work at NBT At NBT we empower people to grow, innovate, and thrive through meaningful work, a supportive culture and opportunities to make a real impact in your community – because your success drives our success.
Wellbeing At NBT, we value and support your wellbeing by offering generous time-off policies, wellness initiatives and flexible work arrangements, so you can thrive both personally and professionally.
Community Involvement NBT believes community involvement fosters our success and the success of those around us. Through volunteer service and charitable partnerships, we empower our employees to make a positive impact beyond the workplace.
Culture NBT believes in creating a workplace where every voice matters and every team member feels empowered to contribute. With supportive leadership, we foster an environment where employees are connected, inspired, and valued.
Career Development Whether you’re just starting your career or serve in a senior leadership role, your growth and development are our priority. NBT provides a wide variety of development programs and tools for you to reach your full potential.
Total Rewards NBT recognizes and rewards your contributions with competitive compensation, comprehensive benefits and performance-based incentives – ensuring you feel valued every step of the way.
Business Stability NBT has built a reputation as a stable financial institution by growing our people and our business, evolving our processes and managing risk. We\'ve weathered the market\'s ups and downs for over 165 years, all while charting a well-defined growth plan.
Benefits for Full-Time Employees
Generous Paid Time Off: At least 22 days annually, prorated in the year of hire.
Parental Leave: Six weeks of paid leave at 100% of your salary.
Comprehensive Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants.
Dental and Vision Coverage: Ensuring your overall health and well-being.
Flexible Spending Accounts: For healthcare and dependent care expenses.
Employer-Paid Disability Coverage: Both short-term and long-term, with an option to purchase additional long-term coverage.
Life Insurance: Employer-paid basic life insurance, with an option to purchase supplemental coverage.
Voluntary Benefits: Including hospital, accident, and critical illness coverage.
Retirement Plans: 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan to help secure your future.
Adoption Assistance: Supporting your growing family.
Tuition Reimbursement: Invest in your education and career growth.
Employee Assistance Program (EAP): Access to support and resources.
Pet Insurance: For all your furry friends.
Financial and Banking Services: Various banking services benefits and financial planning assistance.
Benefits for Part-Time Employees Working 20+ Hours/Week
Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants.
Dental and Vision Coverage: Ensuring your overall health and well-being.
Voluntary Benefits: Including hospital, accident, and critical illness coverage.
Generous Parental Leave: Six weeks of paid leave at 100% of your salary.
Benefits for All Part-Time Employees
Retirement Plans: 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan for employees who work at least 1,000 hours in a calendar year, all designed to help secure your future
Paid Sick and Safe Leave: For your health and safety.
Employee Assistance Program (EAP): Access to support and resources.
Financial and Banking Services: Various banking services benefits and financial planning assistance.
Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or assume sponsorship of an employment Visa at this time.
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Prepares home equity and mortgage loan and pre-approval requests for underwriting. Orders third party services, including but not limited to: appraisals, flood determinations, title searches, credit reports, fraud services, verifications and running of the loan through automated underwriting systems. Verifies accuracy of the data input to the loan origination system. Works with borrower, loan officer and others to resolve questions and obtain documentation in a timely manner.
Education and Experience
2 years of banking or lending experience preferred
2 year Business Degree or equivalent education and experience
Skills and Abilities
Familiarity with credit reports, appraisal review and income and asset calculations preferred, but not required.
Completion of real estate lending introductory class(es) to include the basic understanding of home lending
Analytical and problem-solving skills
Ability to multi-task on numerous responsibilities simultaneously
Strong computer proficiency – i.e. Microsoft Word, Excel and the Internet
Strong communication skills (written and oral)
Strong customer service skills
Strong organization skills
Unique Job Characteristics and Requirements Specific training required includes one (1) to two (2) self-employed income analysis, appraisal review, and processing training courses be completed. NMLS Certification required or ability to obtain upon hire.
Tasks Performed
25% Prepare and ensures the accuracy and timely delivery of all customer correspondence, including but not limited to: disclosures, incomplete letters, commitment letters, counter-offer letters, declination notices, and other correspondence in accordance with policy, procedure and applicable regulation. Orders and tracks the receipt of third-party services and documentation within established departmental service levels. Continuously updates the loan origination system as information and documentation is received. Responsible for referring loan to underwriter if any received information or documentation substantially impacts the underwriting decision. Performs preliminary review of third-party reports and documentation as received; prepare for submission to the underwriter for final review and approval.
25% Proactively monitors pipeline reports to achieve established turnaround time and customer service level metrics. Monitors all loan requests to assure loan reservations, rate locks and decisions have been completed within applicable timeframes and in conjunction with bank, investor or insurer guidelines. Assists in other areas of department when necessary.
25% Review loan application requests in conformance with bank, investor and/or insurer guidelines. Obtain and track all required documentation to assure individual and departmental service levels are being met, update loan origination system with statuses. Verifies income, assets, credit history and other relevant data through supporting documentation. Assures that these items meet the appropriate bank, investor and/or insurer guidelines. Submits the loan file through the appropriate automated underwriting system. Assures the integrity of the automated decision by comparing the loan file and supporting documentation data with the system data for accuracy. Updates the loan origination system with any changed circumstances and resubmits the loan through the automated underwriting system, as applicable.
20% Provides excellent customer service by responding to external and internal customer inquiries in a timely and courteous manner. Answer questions that pertain to policy, procedure, and workflows. Maintain workloads within established departmental objectives. Keep the Home Lending Processing and Underwriting Team Leader aware of any issues. Maintains a positive attitude and works as a team player with management, co-workers, and others.
5% Other duties as assigned.
Physical Requirements
Communicate effectively with internal and/or external customers
Stationary 75% of time or greater
Move Objects to Maximum 10 lbs
Why Work at NBT At NBT we empower people to grow, innovate, and thrive through meaningful work, a supportive culture and opportunities to make a real impact in your community – because your success drives our success.
Wellbeing At NBT, we value and support your wellbeing by offering generous time-off policies, wellness initiatives and flexible work arrangements, so you can thrive both personally and professionally.
Community Involvement NBT believes community involvement fosters our success and the success of those around us. Through volunteer service and charitable partnerships, we empower our employees to make a positive impact beyond the workplace.
Culture NBT believes in creating a workplace where every voice matters and every team member feels empowered to contribute. With supportive leadership, we foster an environment where employees are connected, inspired, and valued.
Career Development Whether you’re just starting your career or serve in a senior leadership role, your growth and development are our priority. NBT provides a wide variety of development programs and tools for you to reach your full potential.
Total Rewards NBT recognizes and rewards your contributions with competitive compensation, comprehensive benefits and performance-based incentives – ensuring you feel valued every step of the way.
Business Stability NBT has built a reputation as a stable financial institution by growing our people and our business, evolving our processes and managing risk. We\'ve weathered the market\'s ups and downs for over 165 years, all while charting a well-defined growth plan.
Benefits for Full-Time Employees
Generous Paid Time Off: At least 22 days annually, prorated in the year of hire.
Parental Leave: Six weeks of paid leave at 100% of your salary.
Comprehensive Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants.
Dental and Vision Coverage: Ensuring your overall health and well-being.
Flexible Spending Accounts: For healthcare and dependent care expenses.
Employer-Paid Disability Coverage: Both short-term and long-term, with an option to purchase additional long-term coverage.
Life Insurance: Employer-paid basic life insurance, with an option to purchase supplemental coverage.
Voluntary Benefits: Including hospital, accident, and critical illness coverage.
Retirement Plans: 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan to help secure your future.
Adoption Assistance: Supporting your growing family.
Tuition Reimbursement: Invest in your education and career growth.
Employee Assistance Program (EAP): Access to support and resources.
Pet Insurance: For all your furry friends.
Financial and Banking Services: Various banking services benefits and financial planning assistance.
Benefits for Part-Time Employees Working 20+ Hours/Week
Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants.
Dental and Vision Coverage: Ensuring your overall health and well-being.
Voluntary Benefits: Including hospital, accident, and critical illness coverage.
Generous Parental Leave: Six weeks of paid leave at 100% of your salary.
Benefits for All Part-Time Employees
Retirement Plans: 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan for employees who work at least 1,000 hours in a calendar year, all designed to help secure your future
Paid Sick and Safe Leave: For your health and safety.
Employee Assistance Program (EAP): Access to support and resources.
Financial and Banking Services: Various banking services benefits and financial planning assistance.
Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or assume sponsorship of an employment Visa at this time.
#J-18808-Ljbffr