Consumer Lending Associate
Pioneer, Albany, NY, United States
Detail-oriented and knowledgeable lending professional that is responsible for reviewing new consumer loan applications for underwriting, preparing closing documents and communicating with internal customers (Loan Originators/Retail Branch Network) on loan updates and questions. Provides comprehensive support to the consumer lending department, collaborating on timely and compliant execution of the loan approval and underwriting process.
Key Responsibilities:
Review new loan applications taken by NMLS and Branch Employees for completeness and accuracy in preparation for underwriting, including ensuring initial loan disclosures are generated and completed within regulatory standards, OFAC check, initial demographic information and initial disclosures are completed accurately.
Coordinate loan closings with NMLS and Branch Employees.
Prepare, review, and deliver Consumer Loan and Home Equity closing documents, including a comprehensive pre-closing quality review to ensure accuracy and completeness.
Review and index documents post-closing for proper completion and retention.
Coordinate communications, including emails, phone calls, and Salesforce cases, to properly update loans in-process including when additional items are requested, questions arise, approvals are updated, closings can be scheduled, etc.
Manage communication and tracking of documents that require revisions and updates to ensure proper and timely corrections.
Assist with other tasks within the Consumer Lending Department for the various functions when needed.
Interact with all lines of business with questions related to current Consumer Loans.
Identify opportunities for departmental efficiencies, process improvements and propose solutions.
Perform additional duties as necessary.
Education & Experience
Associate Degree in Business or related field preferred.
1-3 years’ experience in banking preferred.
Experience with Encompass Mortgage Software is preferred.
Core Skills & Attributes
Be an enthusiastic, positive leader and productive team player.
Must have strong organizational, time management skills with attention to detail and accuracy.
Have the ability to work independently.
Must have good human relations and excellent communication skills in dealing with bank staff, third party vendors and customers.
As an Equal Opportunity / Affirmative Action Employer, Pioneer Bank will not discriminate in its employment practices due to an applicant’s race, color, creed, religion, sex (including pregnancy, childbirth or related medical conditions), sexual orientation, gender identity or expression, transgender status, age, national origin, marital status, citizenship, physical and mental disability, criminal record, genetic information, predisposition or carrier status, status with respect to receiving public assistance, domestic violence victim status, a disabled, special, recently separated, active duty wartime, campaign badge, Armed Forces service medal veteran, or any other characteristics protected under applicable law.
The Company will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant.
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Key Responsibilities:
Review new loan applications taken by NMLS and Branch Employees for completeness and accuracy in preparation for underwriting, including ensuring initial loan disclosures are generated and completed within regulatory standards, OFAC check, initial demographic information and initial disclosures are completed accurately.
Coordinate loan closings with NMLS and Branch Employees.
Prepare, review, and deliver Consumer Loan and Home Equity closing documents, including a comprehensive pre-closing quality review to ensure accuracy and completeness.
Review and index documents post-closing for proper completion and retention.
Coordinate communications, including emails, phone calls, and Salesforce cases, to properly update loans in-process including when additional items are requested, questions arise, approvals are updated, closings can be scheduled, etc.
Manage communication and tracking of documents that require revisions and updates to ensure proper and timely corrections.
Assist with other tasks within the Consumer Lending Department for the various functions when needed.
Interact with all lines of business with questions related to current Consumer Loans.
Identify opportunities for departmental efficiencies, process improvements and propose solutions.
Perform additional duties as necessary.
Education & Experience
Associate Degree in Business or related field preferred.
1-3 years’ experience in banking preferred.
Experience with Encompass Mortgage Software is preferred.
Core Skills & Attributes
Be an enthusiastic, positive leader and productive team player.
Must have strong organizational, time management skills with attention to detail and accuracy.
Have the ability to work independently.
Must have good human relations and excellent communication skills in dealing with bank staff, third party vendors and customers.
As an Equal Opportunity / Affirmative Action Employer, Pioneer Bank will not discriminate in its employment practices due to an applicant’s race, color, creed, religion, sex (including pregnancy, childbirth or related medical conditions), sexual orientation, gender identity or expression, transgender status, age, national origin, marital status, citizenship, physical and mental disability, criminal record, genetic information, predisposition or carrier status, status with respect to receiving public assistance, domestic violence victim status, a disabled, special, recently separated, active duty wartime, campaign badge, Armed Forces service medal veteran, or any other characteristics protected under applicable law.
The Company will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant.
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