Senior Retail Real Estate Loan… at Union Bank &… · Location…

Senior Retail Real Estate Loan Processor-Closer

Position Summary: The Senior Retail Real Estate Loan Processor/Closer is responsible for all processing steps from origination through closing, and the generation of initial and closing documents of real estate secured loans. This position is responsible for managing a pipeline that includes a variety of real estate secured loan types (Construction, First Lien Mortgage, Subordinate Financing, Home Equity etc.). This professional will also assist in the review of initial and pre-closing documents and Amendments to ensure bank requirements, regulatory compliance guidelines, and customer service guidelines are met.

Essential Functions:

• Coordinate and contribute to the daily activities of the Retail Loan Operations real estate processing team.
• Manage daily workflow of real estate processing, including monitoring of pipeline.
• Process and close more complicated real estate secured loans which include a variety of loan types, such as Construction, First Lien Mortgage, Subordinate Financing and Home Equity loans.
• Conduct reviews and communicate results of initial and pre-closing documents for the Processing Team to ensure real estate loans meet all bank policy requirements, complex regulatory compliance guidelines, and customer service standards.
• Provide operational guidance and support to Personal Bankers and Loan Officers.
• Review and communicate results of the review of Amendment documents submitted through the WAM portal.
• Identify and bring attention to compliance risks or potential departmental efficiencies.
• Assist with testing of new products and Encompass software updates.
• Assist with updating Real Estate Processing procedures.
• Understand and anticipate all requirements of the real estate loan cycle from beginning to end.
• Demonstrate thorough understanding and ability to apply in-depth knowledge of all federal regulations and bank policies/procedures related to real estate lending.
• Lead by example in creating ways to challenge the team while providing ongoing motivations and positive reinforcement.
• Provide a high standard of customer service to both internal and external customers in person and by telephone.
• Understand and adhere to all applicable bank policies, laws, and regulations applicable to the role. Complete required compliance training. Follow internal processes and controls as required
• Report all compliance issues, violations of law or regulations in accordance with the steps defined in Bank policies
• Perform or assist with other job related duties or special projects as assigned.
• Regular and reliable attendance is an essential function of this position.

Qualifications:

• Three years of real estate loan processing required.
• Experience with HELOCs, bridge and construction loans required.
• Knowledge of all federal regulations and policies/procedures involving real estate lending.
• Proficiency in Microsoft Word, Excel and in working with other financial software.
• Experience with Encompass and Fiserv software, including Navigator and Director preferred.

Preferred Talents:

• Multi-tasker
• Accurate and detailed
• Problem solver
• Deadline driven with good judgment
• Effective communicator
• Positive and people focused
• Independence with a team orientation

Working Environment:

Indoor work – not exposed to outdoor elements or hazards.

Some sedentary work and occasional lifting and/or carrying up to 10 pounds.

This role is eligible for hybrid work from home opportunity under the work from home guidelines upon completion of onboarding.

PLEASE VIEW THE APPLICANT TERMS & CONDITIONS BEFORE PROCEEDING WITH YOUR APPLICATION.