Mortgage Post-Closing Specialist at Ephrata National Bank – Ephrata, Pennsylvania

Pay Transparency

Salaries may vary based on geographic location, market data and on individual skills, experience, and education. This role is incentive eligible with the payment based upon company, business and/or individual performance.

Benefits

Additionally, as part of our Total Rewards program, Ephrata National Bank offers a comprehensive benefits package to those who qualify. This includes medical plans with prescription drug coverage; health savings account and/or flexible spending account; dependent care flexible spending account; dental and vision insurance; life insurance; 401(k) program with employer match and Employee Stock Purchase Plan; paid time off programs including holiday pay, jury duty, and bereavement; disability insurance coverage and maternity and parental leave; educational assistance and a robust wellness program with financial incentives.

To learn more about your potential eligibility for these programs, please visit About | Careers | Benefits | Ephrata National Bank.

Position Summary:

Under the direction of the Residential Lending Processing and Closing Manager, this position is responsible for post-closing, preparing, and delivering completed loan packages to investors and government agencies. This position will proactively support mortgage lending activities and goals, ensure quality post-closing service standards agreements, and ensure all mortgage policies and procedures are adhered to and comply with state and federal lending laws.

Essential Functions:

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

• Audit closed loan packages for accuracy, completeness, and regulatory compliance before shipping.
• Ensure all required documents (notes, security instruments) are properly endorsed, imaged, and organized.
• Activate MI and obtain government insurance certificates and guarantees.
• Deliver electronic or physical loan files to investors or custodians, tracking shipments for timely receipt.
• Review and resolve any outstanding investor conditions (suspense items) to ensure loan purchase.
• Monitor shipping deadlines and loan purchasing status.
• Coordinate with closing agents, title companies, underwriters, and secondary marketing departments to resolve issues.
• Fulfill Quality Control requests from investors, mortgage insurance companies, etc.
• Assist in processing Loan Modification Agreements.
• Prepare updated aggregate escrow disclosures for closed loans.
• Review current procedures to improve efficiency and ensure quality within the Mortgage Shipping and Delivery Specialist function.
• Assist in opening new mortgage applications: Confirm application information, order verifications and title work.
• Collaborate and work effectively with members of the management team, members of the Mortgage Operations Team and other ENB employees.
• Maintain professional-level knowledge of legal requirements and state and federal regulations that impact Mortgage Operations and functional responsibilities.

Required Education and Experience:

• High school graduate or its equivalent required.
• Bachelor’s degree from an accredited college preferred.
• One to two years of relevant experience.
• Sound judgment and problem-solving abilities
• Superior verbal and written communication skills
• Ability to effectively prioritize and handle several demanding projects simultaneously
• Must be able to maintain confidentiality and possess excellent communication skills
• Familiar with loan origination systems
• Proficiency in Microsoft Outlook, Word, and Excel

Competencies:

• ENB Operational and Functional Competencies

Supervisory Requirements:

This position has no direct supervisory responsibilities.

Work Environment:

This job operates in a professional work environment. This role routinely uses standard office equipment such as computers, monitors, mouse, keyboard, phones, printers, scanners, photocopiers, filing cabinets, calculator, and fax machines. Due to the physical location of this position, phone ringing, and people conversing, it may be difficult to hear at times and therefore easily distracting.

Physical Demands:

Ephrata National Bank promotes an equal opportunity workplace, which includes reasonable accommodations of otherwise qualified disabled applicants and employees. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

While performing the duties of this job, the employee is regularly required to talk or hear. Specific vision required by the job includes close vision, distance vision, and ability to focus. While this position is primarily sedentary, the employee is frequently required to stand, walk, use hands to finger, handle or feel objects or controls, reach with hands and arms, bend, balance, stoop, kneel, and crouch. The employee must be able to lift and/or move up to 25 pounds including standard computer and copy paper boxes, and must be able to open and close filing cabinets and drawers.

Position Type and Expected Hours of Work:

This is a full-time position. Days and hours of work are Monday through Friday, 8:00 a.m. to 5 p.m. Flexibility of schedule to meet business needs is required.

Travel:

No travel is required for this position.

EEO Statement:

Ephrata National Bank supports a diverse workforce and is an Equal Opportunity Employer. It is the policy of Ephrata National Bank to provide equal employment opportunities without regard to race, ethnicity, color, religion, sex, national origin, age, disability, marital status, covered veteran status, sexual orientation, gender identity, genetic information or any other protected characteristic applicable under law. The bank complies with all relevant federal, state, and local laws, as well as, all regulations regarding nondiscrimination.

This job description reflects management’s assignment of essential functions and responsibilities for the position. Nothing in this job description restricts management’s rights to assign or reassign duties and responsibilities to this job at any time. The employee is expected to adhere to all of Ephrata National Bank’s procedures and to act as a role model in adherence to bank polices.

Acknowledgement:

An employee's electronic signature constitutes the employee’s understanding of the requirements, essential functions, and duties of the position.