Consumer Lending Specialist

Simmons Bank; Franklin (TN); On-site; USD 42,000 - 58,000; Full time

Job summary

Simmons Bank in Franklin, TN is seeking a Consumer Lending Specialist to prepare TRID disclosures and closing documents for consumer real estate loans. You will coordinate with lenders, underwriters, and vendors to gather required information and ensure accurate documentation.

The role requires strong attention to detail, knowledge of loan disclosures, and the ability to navigate regulatory requirements, with emphasis on compliance and timely processing.

Qualifications

• High school diploma or equivalent required.
• 2–4 years of related experience or on-the-job training.
• Proficiency in MS Office and Jack Henry Platform.

Responsibilities

• Prepare TRID Loan Estimate and other Early Disclosures for consumer real estate loans.
• Order all necessary due diligence for consumer real estate loan products.
• Coordinate with lender and underwriter to prepare Closing Disclosure and loan documents.
• Review and ensure data accuracy and completeness in information systems.
• Coordinate with vendors, title agencies, and attorneys to obtain required information and documentation.
• Ensure compliance with loan policy and federal regulations; complete required compliance training.

Skills

Reading comprehension

Written communication

Time management

Customer service

Regulatory understanding

Education

High school diploma or equivalent

Tools

MS Office

Jack Henry Platform

Job description

It's fun to work in a company where people truly BELIEVE in what they're doing!

We're committed to bringing passion and customer focus to the business.

The Consumer Lending Specialist prepares and processes regulatory disclosures and documentation for consumer real estate loan transactions to ensure they are closed in conformance with all regulatory and bank guidelines.

Essential Duties and Responsibilities

• Responsible for preparing TRID Loan Estimate and other Early Disclosures for consumer real estate loans
• Responsible for ordering all necessary due diligence required for all consumer real estate loan products
• Responsible for reviewing and understanding all necessary due diligence required for all consumer real estate loan products.
• Responsible for coordinating with lender, underwriter, and for preparing Closing Disclosure and other required loan documents for consumer real estate secured loan closings.
• Check appropriate data programs for accuracy and completeness of information
• Coordinate with outside vendors, attorneys, title agencies, insurance agents and others to obtain required information and documentation in accordance with loan policy and federal regulations.
• Ensures all departmental documents and activities are performed in compliance with applicable laws, regulations, policies and procedures as applicable to this position, including completion of required compliance training.
• Respond to loan originator and underwriter questions, recognizing issues that require escalation to management
• Performs other duties and responsibilities as assigned.

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

Skills

• Ability to read and comprehend simple instructions, short correspondence and memoranda.
• Ability to read, analyze and interpret financial reports and/or legal documents.
• Ability to write routine reports and business correspondence.
• Ability to respond in writing to customer complaints, regulatory agencies or members of the business community.
• Ability to work quickly and efficiently to ensure loans are processed within the required timeframe.

Education and/or Experience

• High school diploma or its equivalent is required, and
• Two to four years of work-related experience, on-the-job training, and/or vocational training.

Computer Skills

• MS Office programs
• Jack Henry Platform

Certificates, Licenses, Registrations

Other Qualifications

• Knowledge of the requirements and features of loan products offered by the bank.

Other

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Activities, duties and responsibilities may change at any time with or without notice.

Skills Training

• Communication, Time Management, Customer Service, Critical Thinking, Problem Solving

Equal Employment Opportunity Information: Simmons First National Corporation and its subsidiaries are committed to a policy of equal employment with respect to a person's race, color, religion, sex, ancestry, sexual orientation, gender identity, national origin, covered veterans, military status, physical or mental disability or any other legally protected classifications.