Independence Bank

Role Description The Mortgage Loan Processor will assist Lenders with processing, approving, and closing all consumer purpose residential mortgage loans. - Reviews early disclosures for accuracy and ensures timing requirements are met - Supports the mortgage loan originators by processing applications and all supporting documents in a timely and accurate manner - Reviews file documentation to ensure all required items are requested - Inputs loan information into mortgage origination system for processing - Maintains a strong working knowledge of Secondary Market/Freddie Mac requirements as well as evolving mortgage regulatory requirements - Submits all processed secondary market loans to underwriting for final approval and clears any underwriting conditions - Processes all closing documents for mortgage originators - Ensures all required documentation is included in final loan for booking Qualifications - High School or GED required - A minimum of one (1) year of experience with loans and loan documents required - Computer competency required - Secondary market experience preferred Requirements - Organizational skills - Oral and written communication skills - Customer service skills - Analytical and problem-solving skills - Detail oriented - Ability to multi-task - Clerical and administrative skills - Ability to work as a part of a team Benefits - No travel required - Mandatory vacation not required Working Conditions - Indoors, environmentally controlled - Usual office working conditions - The noise level in the work environment is typical of most office environments with telephones, personal interruptions, and background noises Physical Requirements - Sitting (remaining in a seated position) - Constantly - Standing (remaining on one’s feet) - Occasionally - Walking (moving about on one’s feet) - Occasionally - Lifting (raising or lowering an object) - Occasionally - Carrying (transporting an object) - Occasionally - Pushing/Pulling (exerting force upon an object) - Occasionally - Reaching (extending hand(s) and arm(s)) - Occasionally - Keyboarding (entering text or data) - Constantly - Pinching/Gripping (working with the hand(s) or fingers) - Occasionally - Speaking (expressing ideas verbally) - Frequently - Hearing (ability to hear and understand speech) - Frequently - Near Visual Acuity (clarity of vision at approximately 20 inches or less) - Frequently - Far Visual Acuity (clarity of vision at approximately 20 feet or more) - Occasionally - May require lifting up to 10 pounds

Role Description The Loan Documentation Specialist - Pre Close will support our lending staff in preparing and processing essential loan documents for many types of loans, including retail, commercial, agricultural, and home equity lines of credit. - Gathers and prepares loan documents to be passed at the closing of the loan. - Establishes, maintains, and updates files, databases, records, and/or other documents pertaining to the financial transaction records. - Arranges and prepares loan documents to help ensure collectability of the loan. - Ensures that all required documents, forms, and agreements are collected and accurate. - Completes all tasks in compliance with federal and state rules and regulations and company policies. - Ensures the loan is properly funded in accordance with the loan closing statement. - Properly files and stores loan and supporting documents in compliance with retention guidelines and company policies and procedures. - Obtains and records data points needed to monitor and report compliance with various regulations, including, but not limited to, the Bank Secrecy Act (BSA), Community Reinvestment Act (CRA), and Home Mortgage Disclosure Act (HMDA). Qualifications - High School or GED (Required) - Bachelor's Degree in business, finance, accounting, or related field (Preferred) - Two (2) years of experience in loan processing and/or documentation (Preferred) Requirements - Oral and written communication skills - Detail oriented - Ability to multi-task - Computer skills - Organizational skills - Clerical and administrative skills - Ability to work as a part of a team - Time management skills Benefits - No travel required - Mandatory vacation not required Company Description Position is remote eligible in Kentucky once fully trained in Owensboro, KY to perform the position duties.