Retail Loan Processor

Job Title: Retail Loan Processor

Location: Lima, OH

Status: Full Time

FSLA Job Class: Non-Exempt

Department: Retail Lending

Reports To: Retail Credit Manager

At Citizens National Bank, we have surrounded ourselves with some of the brightest and most talented professionals in the financial service industry to form a solid and secure community banking foundation. We are proud to have achieved a major milestone in 2023 by surpassing $1 billion in assets. 

Citizens National Bank has an excellent opportunity available at our Lima, Ohio office for a Retail Loan Processor. In this role you will prepare and processes mortgage & consumer loans accurately and within time constraints. Promote goodwill for the Bank through customer service.

A typical day may include the following: 

• Processes consumer & mortgage loan applications and tracks information.
• Provides early disclosures.
• Orders verifications, prepares file for credit decisions.
• Prepares loan documents, closes new loan accounts, interfacing the new account on the core system and runs TMS to advance and activate the loan.
• Verifies and funds loans with title agencies.
• Review of all documentation: Validate signatures are present & notarized as applicable, ensures all required documents are present and loaded to Director in a timely manner.
• Ensure all missing documents for loan files are tracked and obtained in a timely manner.
• Ensure Exception report includes all loan exceptions prior to loan closing. 
• Manages & maintain all servicing functions on loans from inception through final payment.
• Assists other employees as necessary.
• Prepares mortgage loan releases, loan modification agreements, etc.
• Processes escrow draws for repairs/insurance claims on funds held.
• Provides customer service via telephone (missing coupon books, payment questions, etc.)
• Prepare routine correspondences and reports.
• This position requires on-site presence for regular, successful performance: teamwork, face-to-face interaction with peers/management and the ability to utilize the in-house software and hardware are required. Adherence to the Bank attendance policy is required as an essential function of this position. 
• Must be able to relate to other people beyond giving and receiving instructions: must get along with co-workers or peers without exhibiting behavioral extremes; be able to perform work activities requiring negotiating, instructing, supervising, persuading or speaking with others; and respond appropriately to criticism from a supervisor.

JOB REQUIREMENTS:

• High School Diploma or General Education Degree; and previous experience with secretarial skills, customer service, Word and Excel. Ideal candidate will possess at least two years prior loan experience. 

ADDITIONAL QUALIFICATIONS:

• Knowledge and proficiency with MS Office Products required.
• Keyboarding proficiency is necessary.
• Must be able to meet deadlines and be attentive to detail. 

WHAT'S GREAT ABOUT WORKING AT CITIZENS NATIONAL BANK?

• Medical, Dental, and Vision Insurance
• Company Paid Life Insurance 
• Company Paid Short Term & Long Term Disability 
• Generous Paid Time Off including Vacation, Sick, Personal, and Emergency Time
• 11 Paid Holidays
• Incentive Plan paid on a quarterly basis
• Employee Stock Ownership Plan for your retirement
• Banking Perks

Citizens National Bank is an Equal Opportunity Employer of women, minorities, protected veterans and individuals with disabilities.