Loan Document Specialist II

Role: By emphasizing ONE Park, ONE Mission, One Team, the Loan Document Specialist II is responsible for supporting members with their commercial, mortgage, and consumer lending needs, with a primary focus on 1st mortgage and/or commercial loans. This role involves closing loan requests in alignment with lending policies, reviewing documents for accuracy, sending complete documents packets for necessary signatures to be obtained, and preparing loans for funding.

The Loan Document Specialist II maintains communication with members and other lending staff throughout the closing process, addressing any questions or concerns and ensuring a smooth and efficient loan closing experience.

Essential Functions

& Responsibilities: Close approved loan applications in consumer, mortgage, and commercial lending by performing the following: review the lending operation system for accuracy, request and review documents provided by the member and/or other outside sources, when applicable, collect and clear conditions stated by the underwriter, review appraisal/title information, submit mortgage packages for final review, coordinate and schedule closings, send complete and accurate document packets for signatures to be obtained.

Close employee loans, when applicable, ensuring all documentation is accurately completed while maintaining strict confidentiality to protect employee privacy and adhere to company policies. Keep supervisor informed of any issues that may arise, items that may need further review, or may affect the service provided. Serve as a resource for other loan document specialists, using sound judgment to perform job tasks and prioritize work within the assigned scope.

Provide mentoring and training to loan document specialists within your primary focus, including support for new or transferred employees and the implementation of new software or processes as needed. Contribute to testing and implementing new processes and systems for project teams. Maintain relationships with originators, loan assistants, funders, and branch personnel providing assistance and guidance on loan matters as needed or requested.

Provide support to all business lines of the credit union when needed or requested. Achieve individual goals and assist in attaining department/organizational goals while always keeping efficiency top of mind. Maintain up to date knowledge of regulations, rules, policies, and procedures that may affect lending. Advise manager of any changes that may affect credit union processes to limit risk of loss.

Perform other job-related duties as assigned. Performance Measurements:

1. To be an ambassador of Park's culture supporting the credit union's mission to build thriving communities together ensuring words and actions align with the Park VIBE that defines our Core Values:

• Vibrant Connections
• Inclusive Excellence
• Bold Compassion
• Endless Empowerment

1. To provide friendly, professional and accurate service and support to all members and coworkers.
2. To ensure that all loans closed comply with established loan policies and guidelines and are free of error.
3. To help achieve departmental as well as credit union goals and objectives.
4. To maintain knowledge of all lending products and rates within the credit union as well as a working knowledge of other credit union products
5. To follow the credit union’s Bank Secrecy Act and anti-money laundering policies and procedures, including running OFAC searches, completing investigative reports of suspicious activity and currency transaction reports timely and without error.
6. To maintain a professional work environment, promote teamwork, build respect among coworkers and present a businesslike appearance.
7. To follow all security policies and procedures and report discrepancies or suspicious activity to manager immediately. Knowledge and Skills: Experience Three years to five years of similar or related experience.

Education

(1) A two-year college degree, or (2) completion of a specialized certification or licensing, or (3) completion of specialized training courses conducted by vendors, or (4) job-specific skills acquired through an apprenticeship program. Interpersonal Skills Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation.

Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication. Other Skills

1. Knowledge of lending products.
2. Must have effective communication skills.
3. Strong analytical skills.
4. Must be able to type, use PC, general office equipment, etc. Physical Requirements WORK ENVIRONMENT The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this position. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions. While performing the essential duties of this position, the employee is regularly exposed to a general office environment and interaction with customers. PHYSICAL DEMANDS The physical demands described here are representative of those required to successfully perform the essential functions of this position, but do not necessarily constitute an exhaustive list of all essential functions. To the extent required by any applicable law, reasonable accommodations will be made to enable qualified individuals with disabilities to perform essential functions where this can be done without posing a direct threat to self or others. While performing the essential duties of this position, the employee frequently must sit, stand, and walk short distances. The employee frequently uses hands and fingers to count currency and handle, manipulate, and feel objects, documents, and office tools and equipment. Reads, writes, listens, speaks, and uses personal computers, copiers, telephones, and other office equipment and software throughout the work day. The employee is occasionally required to stoop, bend, squat, and reach overhead with hands and arms. Occasionally pushing and pulling of office furniture and other objects. The employee may occasionally lift and/or move up to 15 pounds and on occasion lift and/or move up to 25 pounds. Park Community Credit Union is an Equal Opportunity Employer/ Veterans/ Disabled