CENTRAL BANCOMPANY, INC.

Role Description Under the direction of the Quality Control Officer, the role involves: - Reviewing a sample of the servicing activities of the Loan Servicing Center and subservicer. - Providing clerical support for the Production and Servicing Quality Control functions. - Assisting mortgage business line personnel to improve quality, integrity, and salability. - Conducting relationships and activities consistent with established Bank policies, procedures, and systems. - Reviewing Loan Servicing Center and subservicer activities to ensure compliance with credit policy, secondary market requirements, and federal, state, and local laws and regulations. - Researching requirements as published in agency, investor, guarantor handbooks and/or guidelines and credit policy. - Reviewing responses received and updating progress and completion of the review process. - Following up with business-line personnel on any unresolved findings. - Answering questions from the mortgage business line regarding QC reviews, secondary market requirements, and credit policy. - Distributing mail and routing to appropriate QC personnel. - Assembling and mailing re-verification letters and reviewing appraisals. - Logging completed re-verification letters and reviewing appraisals without issues. - Distributing letters or review appraisals with issues to appropriate QC personnel. - Performing subsequent follow-up when previous requests are not received. - Scanning complete re-verification letters and review appraisals into the appropriate loan file. - Ordering credit reports, tax transcripts, MERS, and SSA-89 verifications on loan files selected for QC origination review. - Uploading results into the appropriate loan file. - Assisting in the preparation and distribution of QC reports. - Participating in meetings including the quarterly Quality Control Committee meeting and the monthly Quality Control staff meeting. - Maintaining education and professional expertise through attendance at job-related seminars, conferences, webinars, and workshops. - Assisting in the development and maintenance of manuals and supporting documentation to accomplish tasks/duties inherent to the position. Qualifications - 2-3 years of previous mortgage loan servicing, processing, or underwriting experience preferred. - Knowledge, skill, and mental development equivalent to the completion of a bachelor's degree, including specific courses in business, business law, and math. - Ability to perform extensive research and interpret requirements as published in agency, investor, guarantor handbooks or guidelines and credit policy. - Ability to apply such knowledge in day-to-day operations and disseminate such knowledge appropriately. - Strong written and verbal communication skills. - Demonstrated ability to use tact, diplomacy, and maintain a professional personal appearance when dealing with mortgage business line personnel and co-workers. - Working knowledge of various word processing, spreadsheet, and other proprietary software packages as required. - Good proofreading and editing skills. - Good command of the mathematics and reasoning skills involved in residential lending. - Must be able to work independently and meet deadlines while exercising good judgment and maintaining accuracy and attention.

Role Description Provides highly skilled professional assistance in the processing of residential mortgage loans. Identifies and analyzes all required documentation required to facilitate mortgage loan approvals from Mortgage investors and underwriters. Able to accurately spread and calculate self-employed income from tax returns including personal, corporate or business returns. Ensures that all credit packages meet quality standards for completeness, accuracy and timelines established for the loan type. Prepares the loan file for submission to underwriting and includes required documentation and figures for the mortgage loan closer to prepare the required closing disclosure. Ensures that all credit packages comply with regulatory requirements and corporate guidelines. Supports and upholds credit policy and all Federal and State Lending Regulations. Will assist and actively participate in training a Mortgage Loan Assistant if one has been assigned. Duties and Responsibilities - Solid knowledge of FNMA, FHLMC, FHA, USDA, and VA. - Knowledge of State sponsored down-payment and other assistance programs. - Basic PC knowledge and skills, basic math ability, basic accounting and bookkeeping skills. - Ability to use a financial calculator. - Must be detail oriented and possess solid organizational and time management skills. - Must be able to work independently and handle multiple priorities under pressure of deadline and time restraints. - Promotes teamwork within the department and other departments. - Reviews file when received and orders all appropriate documents including credit report updates, title work, appraisal, final inspections, hazard insurance, flood certification and flood insurance if required. - Ensures that all hazard insurance and flood insurance meets investor requirements prior to the loan closing. - Ensures accuracy by reviewing and analyzing all aspects of the mortgage credit package including but not limited to: - Accuracy of file input - Timely delivery of required application disclosures - Title policy - Assets and asset documentation - Income figures and income documentation including personal and corporate tax returns - Credit report/credit documentation - Appraisal review - Successfully documents mortgage loan file within Encompass processing system as required. - Completion of required tracking fields are to be completed prior to submission to underwriting. - Ensures legal/regulatory procedures are followed and compliance practices meet all Federal and State standards with a strong emphasis and understanding of HMDA and TRID. - Ability to run appropriate AUS on each file, verify and validate AUS findings and document file accordingly. - Able to interface effectively and professionally with applicants/borrowers, realtors, builders, appraisers, title companies and others in department to ensure efficient and timely workflow and perform related duties as required. - Provide quality customer service by answering questions for external and internal customers in a timely and professional manner. - Prepares a complete and concise loan file with timely submission to underwriting and closing in order to meet scheduled contract or other predetermined deadlines. - Ensures that all conditions have or will be met prior to providing the file to the closing department for preparation of closing documents. - Maintains and enhances personal knowledge of products and services as well as the laws, regulation and internal policies and procedures appropriate to the position. - Identifies problems and develops procedures to resolve or correct the situation; monitors and measures the results. - Provides excellent customer service and solves customer related problems quickly. - Provides appropriate documentation to closing department for payment of file related expenses. - Promptly forwards all bills/invoices, etc. for approval and payment. - Ability to incur expenses is limited to the costs necessitated during the processing of the loan. Qualifications - High School Diploma and commitment to continuing job related course work. - Minimum of 3 years of mortgage processing experience with extensive knowledge of FNMA, FHLMC, FHA, USDA and VA. - Knowledge and experience with State sponsored down payment and other assistance programs and other specific loan programs. - Proficient in Microsoft Word, Windows, use of the Internet and Encompass loan processing system. - Knowledge of loan documentation policies and mortgage lending regulations. - Attention to detail and accuracy. - Excellent customer service skills with strong verbal and written communication skills. - Projects a professional image and collaborates with others in department to accomplish goals and demanding deadlines. - This position can work remotely from any state that Central Bank operates in, including Missouri, Kansas, and Oklahoma.