Consumer Loan Documentation Representative

Primary Office Location:4140 East State Street. Hermitage, Pennsylvania Join our team. Make a difference - for us and for your future.

Position Title: Consumer Loan Documentation Representative
Business Unit: Operations
Reports To: Supervisor of Loan Operations

Position Overview:
A Consumer Loan Documentation Representative prepares loan documents for closing. This position collaborates with internal business partners, including Underwriting, Sales, and other internal departments to ensure accurate documents are provided within Service Level Agreements. This position also onboards loans post-closing. This role supports 346 branches and critical periods of high volume.

Primary Responsibilities:

• Accurately reviews closing documentation requests, required supporting documents, including: Credit Approvals, Trusts, Property/Flood Reports, Deeds, Homeowners/Flood/Condo Insurance Policies, Monthly Credit Card/Payoff Statements, Divorce Decrees/Separation Agreements, Powers of Attorney, and Sales Invoices.
• Works with the business line to remedy discrepancies to meet customer expectations.
• Create Loan Packages, including the Notes, Security Agreements, UCCs, Mortgages/Deeds of Trust, Assignments of Deposits, MLA Disclosures, Escrow Analysis, Loan Agreements, Closing Disclosures, ACH Authorizations, Rights to Cancel, Trust Certificates, Disbursements, and Subordinations in LaserPro by Product/Collateral Type, Interest Rates, and other terms to be legally binding and compliant.
• Reviews executed loan packages and credit approvals to efficiently and accurately onboard loans to the core system. This position is responsible for the data integrity of the loans, customers/guarantors, collateral, rates, payment structures, and ticklers in accordance with the terms of the agreement. The incumbent is also responsible for data that impacts regulatory and other financial reporting.
• Pre-close quality review verification of completed document packages to ensure accuracy. This incumbent is also responsible for post-close quality review verification of onboarded loans to the Bank's core system to ensure accuracy.
• Cultivate strong relationships with loan processing team members, various lines of business, credit and underwriting teams, and internal legal departments, ensuring effective communication across multiple channels throughout the consumer loan process.
• Supports a dynamic environment that integrates both manual and automated processes, accommodating various levels of complexity while promoting and enhancing collaboration among team members.
• Cultivate strong relationships with loan processing team members, various lines of business, credit and underwriting teams, and internal legal departments, ensuring effective communication across multiple channels throughout the commercial loan process.

All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing, and monitoring the risks they encounter daily as required by F.N.B. Corporation's risk management program.

F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.

Minimum Education:
High School or GED

Minimum Years Experience:
5

Special Skills:
N/A

Special Licenses and Certificates:
N/A

Physical Requirements:
N/A

Position Title: Loan Operations Representative 1
Business Unit: Operations
Reports To: Supervisor of Loan Operations

Position Overview:
This position is primarily responsible for providing timely and accurate service to internal and external customers in support of the lending functions of the Bank.

Primary Responsibilities:
Executes post closing review of loan documents for consumer, indirect and residential mortgage loans, adds or removes document exceptions as discovered or resolved and reviews and packages mortgage documents for recoding.
Prepares closing documents for consumer loans and is measured against established volume levels, reviews requests for compliance with Bank policy and procedures and advises Lenders or Underwriters of deficiencies.
Books all types of loans to the core system and is measured against established volume levels.
Maintains and tracks all vehicle titles to insure that the Bank is placed as the lien holder, prepares lien release letters, orders duplicate titles, processes requests for state to state transfers and monitors FDI reports.
Files all loan files and follow-up paperwork after it has been scanned to Director and provides documentation to internal and external resources as needed.
Processes paid loan files for all types of loans, releases collateral as required, prepares mortgage satisfactions and prepares and maintains retention boxes.
Processes mail payments.
Performs other related duties and projects as assigned.
All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation's risk management program.

F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.

Minimum Education:
High School or GED

Minimum Years Experience:
0

Special Skills:
Excellent communication skills, both written and verbal
Ability to work and multi-task in a fast paced environment
Detail-oriented
Ability to use general office equipment
Ability to use a personal computer and job-related software
MS Word - Intermediate Level
MS Excel - Intermediate Level

Special Licenses and Certificates:
N/A

Physical Requirements:
N/A

 

Equal Employment Opportunity (EEO):

It is the policy of F.N.B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements. FNB provides all applicants and employees a discrimination and harassment free workplace.

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