Our emphasis here at Community First is on establishing long term, personal relationships with our customers. Our motto, "Putting Relationships First," is not just a slogan from days gone by, it is our commitment to doing business the way it used to be done. Here we believe that customer service is an attitude not a department and we vow to get answers to your financial questions in a quick, friendly way, without the run around you can get at the big banks.

This old fashioned dedication to personal service is enhanced by the latest technology available at the very biggest banks. We offer 24 hour Internet and telephone access to your accounts, imaged bank statements, multiple ATM locations, debit and credit cards, and overdraft protection. We are constantly looking for ways to have technology help us do things better and faster.

CFNB offers competitive salaries, a generous array of benefits and an engaging work environment. When we are fully engaged at work, we are more effective and more successful. Customers can sense our commitment, dedication and enthusiasm for our bank and therefore feel more comfortable entrusting us with their business and financial needs.

Our product is outstanding customer service and each one of us is better able to exemplify that service when we feel satisfied, recognized and rewarded in our work. This is the heart of our values and culture—the link between greatness as a company and service—and it applies equally to those who work directly with our customers and those who work behind the scenes to make our services possible.

Position Summary

The primary duties of the Mortgage Loan Funder & Closer are to close and fund residential mortgage loans (FHA, FNMA, FHLMC, VA, USDA, and Conventional) in accordance with company and investor guidelines. This will include the efficient use of our technology systems to apply the proper funding procedures for all types of mortgages. Successful candidates will be able to rely on their experience and judgment to plan and accomplish the following essential duties and responsibilities.

Key Duties & Responsibilities
•    Complete and review Initial and Final CD’s for accuracy and compliance. Reconcile within the loan origination system. Verify seller and lender credits, funds on deposit, payoff of debt (if applicable) and ensure borrower has met minimum investment requirements (if applicable).
•    Reconcile loans that have not funded and retrieve funds from closing agent.
•    Meet established productivity levels and turnaround times as set by Operations Manager.
•    Initiate funding and wire transfers as required.
•    Ensure all original closing documentation is received and reviewed in a timely manner in order to ensure the salability and insurability of the loan.
•    Quality control review of all closing documentation to ensure they are accurate, properly signed and notarized as required.
•    Identify document deficiencies and promptly remediate with the appropriate internal/external parties.
•    Ensure the Receipt, tracking, and safekeeping of Original Note is received in the original closing package.
•    Monitor status daily of loans delivered/shipped but not yet purchased.
•    Coordinate the delivery of collateral to the appropriate Agency Custodian/Investor.
•    Take appropriate actions to resolve shipping issues and clear investor suspense items to insure loans are purchased within specified timeframes.
•    Communicate proactively with all parties involved in the loan closing transaction to avoid and/or resolve problems or issues at closing.
•    Work with Post-Closing departments and staff to cure any document deficiencies.
•    Coordinates and prepares loan closing packages, ensuring compliance with appropriate regulations, insurance and guarantee functions/specifications, as applicable.
•    Issues funds and closing instructions necessary to ensure marketability of loans.
•    Interfaces with escrow agents to ensure firm closing dates and accurate completion of loan files.
•    Review HMDA data for accuracy
•    Assists with mortgage loan closing process by reviewing loan documents for compliance, completeness and accuracy.
•    Maintains the highest level of confidentiality with all information obtained.
•    Perform as a team member in allocating and coordinating the work flow.
•    Comply with all department and company policies, procedures and regulations.
•    Be well organized and pay close attention to details.
•    Meet expectations for attendance and punctuality.
•    Perform various additional tasks as assigned.

Knowledge, Skills & Abilities.
•    Detail oriented, strong organizational skills, and high degree of accuracy.
•    Strong analytical skills, attentiveness and information retention.
•    Proven investigative and problem solving skills.
•    Proven ability to set priorities, understands urgencies, and reacts quickly to deadline/delivery requirements.
•    Self-starter, ability to work independently.
•    Ability to work in a fast-paced environment, handle multiple priorities and produce results.
•    Competence with computers and software applications including Microsoft Office and Encompass.
•    Excellent customer service skills, attentiveness, information retention, tact and diplomacy in dealing with both customers and employees.
•    The ability to make sound decisions. This may include making on-the-spot decisions regarding customer transactions; weighing customer satisfaction issues with the Bank’s exposure to loss or fraud and the ability to think through and rationalize decisions.
•    Ability to maintain confidentiality and adhere to company privacy policies.
•    Requires general knowledge of mortgage banking, emphasizing various loan program requirements (i.e., closing, compliance, disclosure, other legal requirements).
•    In depth knowledge of FNMA, FHLMC, GNMA, FHA, VA, USDA and private investor products.
•    Thorough understanding of Federal and State regulations including but not limited to FHA/VA and Conventional guidelines, RESPA, TILA, TRID, HOEPA, MDIA, QM and ATR regulations.
•    The requirements listed above are representative of the knowledge, skill, and/or ability required. Reasonable accommodations can be made to enable individuals with disabilities to perform the essential functions.

Education & Experience

Bachelor’s degree or equivalent work experience. Encompass software knowledge required. The ideal candidate will have a minimum of 3 years of experience closing/funding residential mortgage loans, and possess an excellent working knowledge of 2015 RESPA-TILA (TRID) regulations.

For more information about this opportunity and our bank, please visit our website at www.cfnbmortgage.com!