Loan Operations - Loan Processor

Kids for the Future; Elizabethtown (KY); On-site; USD 45,000 - 60,000; Full time

Job summary

Kids for the Future is seeking a Loan Operations Associate in Elizabethtown, KY. The role provides loan support, customer service, and regulatory compliance across HMDA, ATR, and HCM guidelines, with ongoing training to stay updated on laws impacting lending processes.

The position emphasizes accuracy, confidentiality, and timely handling of loan documents, including coordination with Post-Closing and loan officers to ensure smooth operations.

Qualifications

• Knowledge of banking laws and regulations related to this role.
• Knowledge of core processing systems used by the bank.
• Ability to meet deadlines under pressure with accuracy.
• Ability to handle confidential information responsibly.
• Strong organizational skills and attention to detail.
• Clear verbal and written communication abilities.

Responsibilities

• Provide courteous, quality customer service to loan customers by phone and in person.
• Gather and compile data to monitor HMDA, ATR rules, appraisal guidelines and HCM.
• Keep track of closed loans and forward them to the Post-Closing team in a timely manner.
• Maintain understanding of ordering services like title opinions, title insurance, inspections, appraisals, payoff requests.
• Maintain communication with loan officers via Task System and provide updates on loan status.
• Stay current on lending regulations through seminars, training and webinars.

Skills

Banking regs

Core systems

Deadline-driven

Confidentiality

Organizational skills

Analytical thinking

Communication skills

Job description

• Location 1808 N. Dixie Avenue,Elizabethtown, KY, 42701,United States
• Employee Type FT Non-Exempt

Description

ESSENTIALDUTIESAND RESPONSIBILITIES

• Providecourteous,qualitycustomerservicetobankloancustomers,bygreeting customers, primarily by phone, and communicating information about the banks services
• Gather and compile data to monitor lending compliance requirements and accuracyregardingHomeMortgageDisclosureAct(HMDA),AbilitytoRepay (ATR) rules, appraisal guidelines and High Cost Mortgages (HCM).
• KeeptrackofclosedloansandforwardthemtothePost-Closingteamina timely manner.
• Maintain an understanding of the process for ordering services such as title opinions, title insurance, termite inspections, appraisals, insurance, payoff requests, etc.
• Maintain communication with loan officers through Task Systemand provide frequent updates of loan documentation status
• Increase knowledge of current regulations in lending on a continuously changing basis thru seminars, in house training, e-learnings and webinars, etc.
• Complywithandassistothersincomplyingwithallrelevantlaws,regulationsand policies.
• CompliancewithBankSecrecyActregulationsasitpertainstothefunctionsof this position

ADDITIONALDUTIESAND RESPONSIBILITIES

• Serveasbackupforbankreceptionistas needed
• ResponsibleformaintainingindividualP.E.P. monthly.
• Assistthebankineffortstoobtain andretain customers
• Conduct duties and responsibilities in a manner that supports the bank’s profitabilitygoals,includinghelpingthebanknottolosemoneyandhelpingthe bank save money by improving job processes and achieving operational excellence
• Adequatecrosstrainingofalljobdutieshavebeen considered.
• Otherdutiesas assigned by Management

Requirements

KNOWLEDGE,SKILLSAND ABILITIES

• Knowledgeofbankinglawsandregulationsastheypertain tothis position
• Knowledgeofcoreprocessing system
• Abilitytoworkundertimeconstraintsandwiththepressureofunplanned deadlines.
• Abilitytodealcontinuouslywithconfidentialinformationandtoworkunder deadlines
• Strongorganizationalskillsand accuracy
• Self-starterandhavetheabilitytoresearchandstaycurrentonbanking laws
• Abilitytoadd,subtract,multiply,anddivideinallunitsofmeasure,usingwhole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent.
• Abilitytoapplycommonsenseunderstandingtocarryoutinstructionsfurnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.
• Goodoral,writtenandhumanrelations skills.
• Goodattentiontodetailandabilitytodealtactfullywithcustomers,bothexternal and internal.

WORKENVIRONMENTANDPHYSICAL DEMANDS

Inordertosuccessfullyperformtheessentialfunctionsofthis position:

• Theemployeeisregularlyrequiredtotalkorhear.Theemployeefrequentlyis required to walk; stand; sit; and use hands to finger, handle, or feel and reach with hands and arms to lift and/or move up to 20 pounds.The employee is occasionally required to stoop, kneel, crouch or crawl.Specific vision abilities required by this job include close vision, distance vision, and ability to adjust focus.

EDUCATIONAND EXPERIENCE

• Previousloanoperationsexperience preferred

Summary

Underminimalsupervision,performroutinesecretarialandclerical tasks related to loan files.

Toperformthisjobsuccessfully,anindividualmustbeabletoperformeachessential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.