Basic Qualifications

Education/Training: Education/Training: 5–10+ years mortgage technology or LOS administration experience. Proven Encompass implementation experience preferred. Strong knowledge of mortgage lifecycle and regulations (RESPA, TILA, ECOA, HMDA).

Skills: Proficient in English, written, verbal and interpersonal communication skills. Strong time management skills, proficient PC skills including Microsoft office. Strong LOS configuration and workflow expertise. Project management and vendor coordination. Strong communication and analytical skills. Proficiency in Microsoft Office. Through knowledge of bank products and services.

General Responsibilities

The Residential Applications Specialist will lead the implementation, integration, and ongoing administration of the Bank's LOS platform. Initially focused on build-out in 2026, the role will transition to full-time LOS support and optimization as the platform scales.

Essential Duties and Responsibilities

System Implementation & Platform Build-Out

• Lead Encompass 360 implementation including configuration of workflows, forms, and automation.
• Coordinate integration with FIS core system and third-party vendors.
• Manage UAT testing, vendor coordination, and implementation milestones.
• Ensure compliance alignment within all system configurations.
• Coordinate with Risk Management team on all vendor management requirements.
• Serve as system administrator and primary technical resource.
• Support users, troubleshoot issues, and maintain system configurations.
• Manage upgrades, releases, and enhancement.
• Act as liaison between business, IT, and vendors.
• Support vendor onboarding, technology implementation and system integrations.
• Support and maintain regulatory examination and internal audit preparation by ensuring documentation, procedures, and operational records are current, complete, and audit-ready at all times.
• Perform any departmental functions as assigned in support of the day-to-day operational flow.

Process Improvement & Documentation

• Identify inefficiencies and implement system-based improvements.
• Develop reporting and dashboards.
• Maintain SOPs and documentation for audit readiness.
• Build comprehensive onboarding materials and training guides for new hires joining the platform, ensuring consistency.

Compliance & Risk Management

• Ensure all configurations meet regulatory requirements.
• Support audit readiness and HMDA reporting accuracy.
• Partner with compliance and legal teams to maintain audit-ready documentation and ensure the platform's procedures reflect current regulatory guidance.
• Track and report on key risk indicators and exception management, escalating issues promptly and ensuring timely resolution.
• Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of harassment and other forms of illegal discriminatory behavior in the workplace.
• Stays current on regulatory and compliance laws and policies and advises management of changes. Should recommend changes to controls, procedures, and policies.
• Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the Bank's compliance.
• Communicates with other department managers/supervisors, and appropriate staff personnel in order to integrate goals and activities.

Core Competencies

• LOS technical expertise, system ownership, implementation execution, process design, collaboration, accountability.
• Operational excellence, execution and follow-through, delegation, process design, regulatory knowledge, adaptability, cross-functional collaboration and strong ownership.
• Creates clear, repeatable, and well-documented procedures that enable consistent execution and provide a foundation for training, compliance, and continuous improvement.
• Maintains a thorough understanding of the regulatory landscape governing residential lending and ensures operational practices reflect current requirements.
• Works effectively across departments and functional areas, building productive relationships to ensure alignment and coordinated execution.

Ancillary Duties

1. Perform tasks which are supportive in nature of the essential functions of the job, but which may be altered or re-designed depending upon individual circumstances.

Job Location

All levels

1700 Avenue of the States

Suite 301

Lakewood, NJ

Equipment/Machines

1. Telephone
2. PC/Computer keyboard
3. Printer
4. Copy machine
5. Fax machine
6. Scanner
7. Calculator

First Commerce Bank is dedicated to providing people, businesses, and communities in our markets with high quality products and services with superior customer service. We will provide products and services through secure, user-friendly technology and customer friendly locations. Our relationships are founded in our desire to be responsive to the financial needs of our customers in an atmosphere of personal attention, professionalism, trust, integrity and fairness. First Commerce Bank prides itself on maintaining personal communications beginning with the Board of Directors.