Retail Loan Support Specialist @ JD Bank

Essential duties and responsibilities include: Communicating with lenders, loan representatives, and third parties to obtain documentation required to process consumer real estate and small business loans. Communicating with the lending officer and loan representative and any other necessary party to schedule loan closings. Ensuring loan files comply with applicable federal and state regulations, internal policies, and bank procedures. Reviewing loan information for accuracy, including interest rates, debt-to-income (DTI), loan-to-value (LTV), escrow calculations, and other underwriting requirements. Preparing, reviewing, and delivering preliminary disclosures electronically or by other approved methods within required regulatory timeframes. Completing appraisal requests. Completing title search requests. Reviewing title searches and preparing the necessary documents to perfect our desired lien position. Assisting the Lender/loan representative in communicating with the customer and insurance agents to obtain adequate insurance coverage for both hazard and flood policies, if applicable, prior to closing. Generating and reviewing all necessary documents (affidavits, LaserPro and Meridian documents, etc.) prior to loan closing. Performing a prefunding review of larger loan requests prepared by another team member to ensure all required documentation, approvals, and loan conditions have been satisfied prior to funding. Reviewing escrow account setup within the core processing system to ensure taxes and insurance are established accurately. Responding to and resolving Retail Lending Help Desk requests in a timely manner. Providing courteous and professional support to branch personnel and lenders by answering questions and resolving loan documentation issues. Maintaining accurate loan records while meeting established production and quality standards. Reviewing loan files for completeness prior to funding. Monitoring loan pipelines to ensure regulatory deadlines are met. Other duties and responsibilities include: Cross-training in all Retail Loan Support functions to provide backup coverage and operational flexibility. Supporting lending officers with system questions and process guidance. Performing Second Look Reviews on denied, withdrawn, and mitigated retail loan applications in accordance with bank policy. Assisting with special projects, process improvements, and departmental initiatives. Maintaining a working knowledge of all applicable banking regulations, including BSA/AML, Fair Lending, TRID, RESPA, ECOA, HMDA, and other compliance requirements applicable to this position. Participating in departmental meetings and required training. Performing other duties as assigned by management.

Education and experience: High school diploma or equivalent required. Associate degree in business, finance, or a related field preferred. Minimum of two years of banking, lending, loan operations, or financial services experience required. Consumer real estate lending experience required. Preferred knowledge, skills & abilities: Knowledge of operating a personal computer. Working knowledge of consumer lending documentation and loan processing procedures. Experience with LaserPro, MeridianLink, Fiserv, DocuSign, or similar banking software. Strong understanding of consumer real estate lending regulations and documentation. Excellent verbal and written communication skills. Strong organizational and time-management skills with the ability to prioritize multiple deadlines. High attention to detail and accuracy. Ability to analyze loan documentation and identify discrepancies. Ability to work independently while contributing to a collaborative team environment. Proficiency with Microsoft Office applications, including Outlook, Word, and Excel. Ability to manage a high-volume workload while maintaining quality and customer service standards.