Horizon Bank
  • - Retail Mortgage Lending
  • Holland, MI, USA
  • Full Time

Responsible for all aspects of the Mortgage Loan process, including accurate, efficient and timely mortgage processing from receipt of the loan application to preparing the file for closing and disbursement of loan funds, in compliance with state and federal regulation and company policies and established Standard Operating Procedures (SOPs). Work within a team to ensure loans progress through the pipeline efficiently and effectively.

Represent the Bank to both internal and external customers in a courteous, professional manner in face-to-face, written and telephone communications. Accountable for adherence to compliance standards, quality of documentation, timeliness and volume of loans closed. Actively protect confidentiality of customer and account information. Demonstrate Horizon Bank's commitment to the communities in which we serve through active involvement in local organizations and events.

• Maintain loan applications from assigned Mortgage Loan Originator (s)
• Enter Loans into Loan Status Report (LSR) Tracking System and keep LSR up to date at all times
• Maintain loan pipeline, tracking loans in process to ensure timely completion
• Order critical documents and verifications, including but not limited to title work, disclosures, application fees, tax transcripts, appraisals, employment, deposits, mortgages, rent, etc.
• Examine and verify authenticity of documents and submit to the Underwriter for determination within the established timeframe
• Periodically run AUS (Automated Underwriting System) reports to ensure loans continue to have a favorable result once loan documents are submitted
• Order supporting documents required to close the loan such pay stubs, tax returns, CPA letters, asset letters, etc.
• Responsible for Reg B compliance, sending notices of incompleteness and meeting loan deadlines
• Communicate regularly with customers regarding progress of loan and items needed for loan approval. Address customer questions and concerns through investigation and corrective action or in consultation with the Loan Officer.
• Order closing disclosures
• Communicate with Loan Officer and title companies to schedule closing appointments
• Once loan is underwritten, receive stipulations and work with Loan Officer and customer to clear them
• Conduct final verbal Verification of Employment and loan quality credit checks
• Ensure construction draws are completed timely and accurately – includes ordering critical documents
• Maintain file coverage for team members out of office, split into groups for coverage.
• Report suspicious transactions or unusual occurrences to supervisor.
• Conduct and document periodic risk reviews and run reports as needed
• Perform all work in compliance with established regulations, policies, Standard Operating Procedures (SOPs), and instructions.
• Maintain customer confidence and protect bank operations by keeping information private and confidential.
• Participate in ongoing skill, compliance, risk management and security training as required for the position and apply knowledge in daily tasks
• Other duties as assigned

• High school diploma or equivalent with a minimum of 2 years' mortgage loan and customer service experience. College degree in business, finance or related field of study preferred.
• Basic knowledge of agency guidelines and industry standards as they relate to retail mortgage lending
• Exceptional organization, time management and follow-up skills. Excellent interpersonal skills and ability to communicate effectively with customers, bank employees and outside service providers.
• Ability to follow detailed instructions and a wide range of procedures requiring sound judgement.
• Ability to perform complex mathematical computations using various business machines and/or computers.
• Must have proficient typing and computer skills.

• Adaptability & Flexibility • Big Picture Thinking
• Analytical Thinking • Problem Solving
• Attention to Detail • Teamwork

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions in compliance with the Americans with Disabilities Act (ADA)
Physical Demand: Percentage of Time:
• Communicate with customers, advisors and managers regarding banking transactions and issues. Able to exchange accurate information with others.
• Able to verify authenticity of financial instruments, forms, documents and signatures. Able to verify identity of customers, vendors and service providers. Able to observe actions of others to ensure safety and security of the facility.
• Able to grasp, move and sort forms and papers. 90-100%
• Constantly operate a computer and other office machinery such as calculator, copy machine, fax machine, scanner, printer and telephone 90-100%
• Able to remain stationary at a desk for long periods of time 75-100%
• Regularly move about the office to access file cabinets, storage drawers and various office equipment
• Occasionally position self to reach heights between floor and 6' <25%

This Job Description reflects management's assignment of duties and responsibilities
and is subject to change at any time.


EEO Employer/Vet/Disabled

This position has been closed and is no longer available.
Horizon Bank


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