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Mortgage Loan Processor

Location:

Lockhart Banking Center 
111 South Main Street 
Lockhart, Texas 78644

Summary:

The Mortgage Loan Processor will use interpersonal, analytical and communication skills to assist the Lending Officers generating residential real estate mortgage and interim construction loans, commercial real estate and commercial non-real estate loans.

Duties and Responsibilities:

  • Facilitate the processing of all TRID loans: interim construction, lot loans, purchases, refinances, HE and HELOC loans.
  • Review loan documentation requests for completeness and regulatory compliance.
  • Prepare loan documentation accurately for approved loan transactions.
  • Provide all applicable disclosures & calculate closing costs for all TRID loans.
  • Maintain all interim construction draw files: order inspections and ensure borrower is within the correct percentage of funding.
  • Order appraisals when applicable.
  • Process loans from approval to post closing.
  • Order credit reports.
  • Ability to communicate effectively with loan customers and loan officers
  • Evaluate real-estate appraisal to ensure proper guidelines are followed and final value is properly determined.
  • Request flood certifications to determine property flood zone location.
  • Obtain copy of current property insurance and flood insurance (if applicable) and make sure mortgage clause is in favor of the bank.
  • Complete peer loan reviews when needed.
  • Prepare loan closing packages.
  • Process and order modifications.
  • Complete customer payoff request for consumer and commercial loans.
  • Correspond with and assist title companies with loan closings when applicable including preparation of settlement statements and disclosures.
  • Pay title company fees for title searches, legal work and appraisals.
  • Maintain accurate records of insurance and taxes on real-estate loans.
  • Provides efficient and accurate information and service to customers either in person, by phone (inbound/outbound), fax, e-mail or by mail.
  • Responds to and resolve applicant inquiries and concerns in a timely manner, facilitating assistance for customers from others as appropriate.
  • Achieve effective results within the limits set forth in policy, procedure and practice, and applicable law and/or regulation.
  • Fund loans and disburses all funds.
  • Perform compliance checks to insure appropriate documenta­tion, liens perfected and all file maintenance completed.
  • Perform necessary due diligence on home builders and contractors for interim construction loans.
  • Review title policies and recordable documents from closings to ensure accuracy.
  • Review credit files scanned into LQAS for accuracy.
  • The duties may change from time to time.  Employees are required to perform other duties which may be assigned to them as well as learning and assisting other work stations in the department.

Requirements:

  1. Prefer 3-5 years interim construction/commercial and 1-4 family real estate loan processing experience.
  2. Demonstrated communication skills.
  3. Commitment to accommodating and meeting member’s needs.
  4. A high school diploma or equivalent is required.  A college degree is preferred. 

Other Qualifications:

  • Must be proficient in the use of Microsoft Office Suite.
  • Must be able to work with minimal supervision.
  • Must be able to effectively interact with management, employees, members, and others.

Disclaimer

The foregoing list of requirements, duties, and responsibilities is not intended as an exclusive enumeration, those listed being for the purpose of illustration and not intended by way of limitation.  Management reserves the right to revise the job description and to require that other tasks be performed when the circumstances of the job change. (For Example: emergencies change in personnel, workload or technical development.)





Relationship Banker

Location:

Lockhart Banking Center 
111 South Main Street 
Lockhart, Texas 78644

Summary:

The Relationship Banker’s primary goal is to learn all products and services that can be delivered from the new accounts department and formulate a new account manual that allows new accounts department staff to facilitate all types of new account department transactions, help customers by discovering financial needs, helping with problem resolutions, and processing transactions when needed. The Relationship Banker is responsible for performing branch operational activities and financial services, processes all new account transactions, assisting customers in their selection of various accounts and financial services, opening, maintaining and closing of all account types, promoting business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services. You will partner with the branch team and specialists (such as Loan Officers, Business Bankers, and Financial Advisors), to ensure our customers get access to experts who can help them with specialized financial needs.

Duties and Responsibilities:

New Accounts

    • Learn all new account products and services.
    • Develop and maintain a product/service manual to be used by all bankers to ensure consistent account processes.
    • Communicate with all bankers to understand whether current procedures are effective and uncover any inconsistencies.
    • Explaining, promoting and selling all products and services to current and prospective customers.
    • Providing exceptional service that is consistent with or exceeds bank standards of excellence in customer service.
    • Opening, maintaining and closing all types of transactions and deposit accounts.
    • Facilitating the consumer lending process by learning Decision Pro.
    • Resolving customer issues in a timely, consistent and professional manner.
    • Performing other job-related duties as assigned.

     ACH

    • Review the banks ACH process and recommend changes in policies and procedures.
    • Determine the capabilities of our ACH system and ensure the bank is using it to its full capacity and selling accordingly.
    • Identify staff that is part of the ACH process.
    • Ensure all applicable staff members are knowledgeable of the ACH process.
    • Develop sales material for ACH and assist bankers in presentation as needed.

    Cash Management

    • Review the banks cash management product.
    • Determine the capabilities of the cash management product and ensure the bank is using it to its full capacity and selling accordingly.
    • Review competitors cash management and develop comparison to our bank.
    • Investigate cash management alternatives if management decides to change.
    • Develop sales material for cash management and assist bankers in presentation as needed.

Requirements:

  • College degree preferred or High school degree/GED or foreign equivalent.
  • Cash handling experience, preferred.
  • Ability to establish credibility and rapport, be friendly and personable and look for ways to benefit the customer.
  • Excellent customer contact skills; comfortable asking questions/interviewing customers about their financial situation; strong listening skills.
  • Understands how to present features, and benefits of products and services to customers with differing needs.
  • Self-motivated, assertive, performs well in a team environment to service customers.
  • Professional, thorough and organized; able to follow standard operating policies and procedures.
  • Ability to learn products, services and procedures quickly and accurately; explain concepts clearly to customers.
  • Excellent written and verbal communication skills preferred.
  • Ability to work branch hours, including weekends and some evenings.

 

Disclaimer

The foregoing list of requirements, duties, and responsibilities is not intended as an exclusive enumeration, those listed being for the purpose of illustration and not intended by way of limitation.  Management reserves the right to revise the job description and to require that other tasks be performed when the circumstances of the job change. (For Example: emergencies change in personnel, workload or technical development.)








Full Time Teller

Location:

Austin Banking Center 
319 W. Slaughter Lane
Austin, Texas 78748 

Summary:

Process deposits, transfers, withdrawals and other transactions in accordance with established policies and procedures; must be continuously aware of fraud loss and check cashing guidelines as well as all security and transaction documentation requirements.  Also responsible for the security of assigned cash which must be maintained and balanced within established guidelines.  Assist with selling of bank products to new and existing customers.

Duties and Responsibilities:

  1. Process all transactions within established policies and procedures to ensure operation excellence.
  2. Balances cash drawer according to bank procedures on a daily basis.
  3. Process cash advance transactions daily.
  4. Close out deposits made with MasterCard/Visa sales daily.
  5. Safeguard cash, confidential customer information, and bank assets.
  6. Identify cross-selling opportunities and refer sales to the appropriate departments.
  7. Cooperate with co-workers to complete assignments in a timely manner as needed.
  8. Process miscellaneous mail-in deposits.
  9. Process night deposit bags under dual control.
  10. Assist in commercial deposits as needed.
  11. Provides excellent customer service to all customers of the bank and assist with printouts, inquiries, check orders, and other directions as needed.
  12. Performs all other job duties as assigned by management.
  13. Abides by First-Lockhart National Bank policies and procedures, including dress code standards, safety guidelines, security procedures, etc.
  14. Attend all mandatory meetings.

Requirements:

  • Requires the ability to read, understand and write the English language.
  • Requires the ability to speak and hear the English language.
  • Requires the ability to perform arithmetical calculations in order to complete customer transactions.
  • Requires the ability to use teller terminal, computers, printers, calculators, currency and coin equipment, fax machine, and copier to perform the job.
  • Requires the ability to be mobile approximately 2 hours per workday.
  • Requires the ability to stand 7 hours per workday.
  • Requires the ability to bend/squat frequently in the scope of performing the job.
  • Requires the ability to transport up to 50lbs of boxed/bagged coins.
  • Requires sufficient visual acuity to perform the job.
  • Requires the ability to use hands frequently for fine manipulation of equipment and materials such as keyboard, paper and currency.
  • Requires the ability to possess mental demands, precisions and accuracy.
  • Requires the ability to possess public relations and communication skills in dealing with Bank customers.

Essential Job Qualifications:

  1. High School Diploma.
  2. Related work experience or minimum 1 year cash handling experience.
  3. Bilingual English and Spanish is a plus.
  4. Good communication and customer relations skills.

Disclaimer

The foregoing list of requirements, duties, and responsibilities is not intended as an exclusive enumeration, those listed being for the purpose of illustration and not intended by way of limitation.  Management reserves the right to revise the job description and to require that other tasks be performed when the circumstances of the job change. (For Example: emergencies change in personnel, workload or technical development.)
 

 


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