Mortgage Loan Assistant

“Republic Bank believes in the development and advancement of our associates. We offer the opportunity to learn all aspects of the company to prepare for future advancement. Come join our team for a career, not just a job!“

Grade 7

About Republic Bank

Republic Bank’s values are built upon making an IMPACT for our clients, our associates and the communities we serve. (IMPACT stands for Innovate for the Future, Make it Easy, Provide Exceptional Service, Acknowledge & Celebrate Success, Commit to Caring and Thrive Together) The associates of Republic Bank are the key to our success as an organization and we value our associates. It’s one of the reasons we’ve been named as one of the Best Places to Work in Kentucky for ten years! For more information about the company, please visit www.republicbank.com.

POSITION PURPOSE AND OBJECTIVES

This role performs a wide range of duties related to assisting the mortgage loan originators and the origination of residential 1st and 2nd mortgages. This position is responsible for meeting the standards, objectives and goals set forth by management for originating loans and cross-selling products and services of the bank.

Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment Visa at this time.

Minimum Qualifications

• Sales and / or retail banking experience preferred.
• Working knowledge of residential conventional / government mortgage processing, underwriting, and closing guidelines required.
• Demonstrated proficiency in Microsoft Office programs required.

Essential Job Functions And Responsibilities

Description - % of Time Spent

Business Development & Production Support - 40%

• Assist Mortgage Loan Originators with contacting new and existing referrals.
• Assists with follow up on "TBD" applications.
• Assists with planning events.
• Serves as point of contact when Mortgage Loan Originators are on PTO.
• Assist Mortgage Loan Originators to meet or exceed mortgage production goals by following the designated marketing plan.

Customer Experience & Communication - 40%

• Responsible for communicating updates throughout the loan process to applicants, realtors, builders, title companies, and others as needed to deliver exceptional levels of customer service.
• Responsible for delivering exceptional levels of customer service and communicate with both applicants and internal support staff with timely updates and progress reports.
• Assists with pulling credit and running AUS on new loan applications, contacting clients when appraisal payment and/or VOE links have been sent to the client, and scheduling the closing with all parties and requesting closing date in BYTE.
• Assists with gathering information and communicating client "servicing issues" on closed loans.
• Collect appropriate documentation from applicants in time frames established by management.
• Assists with communicating with processors on conditions, collecting missing / updated documents from clients, and uploading documentation to BYTE.

Operational & Professional Support - 20%

• Build knowledge base of available loan products, processing procedures, and underwriting guidelines.
• Attend and participate in all consumer lender meetings and training as required by management.
• Maintain a working knowledge of compliance requirements affecting your position and area of responsibilities and actively learn new regulations and assist in the implementation, if required.
• Model and foster behaviors that support the Bank’s values and corporate culture creating an atmosphere of trust, cooperation, accountability, and dedication to the organization.
• Willingly perform all other duties and projects as assigned.

Interpersonal Skills And Competencies Required

• Excellent verbal and written communications skills.
• Must be self-motivated and work well in a team environment.
• Desire to develop strong selling techniques.
• Desire to excel in a competitive environment.
• Excellent organizational skills.
• Requires a high energy level and strong sense of urgency.

Physical Requirements

The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this position, the associate is regularly required to sit, use hands to finger, handle, or feel; and talk or hear. The associate frequently is required to stand or walk. The associate is occasionally required to reach with hands and arms. The associate must occasionally lift and/or move 10 pounds. Specific vision abilities required by this position include close vision, and distance vision. The noise level in the work environment is usually moderate.

Other Requirements

• Travel between Republic Banking facilities may be required including occasional out of town travel.
• Flexible work schedule may include some evenings, weekends and/or overtime.
• Stay abreast of new developments, best practices, and statutory and regulatory changes.
• This position is subject to SAFE Act Registration Requirements. Pursuant to the SAFE Act requirements, all applicants for employment who will be engaged in residential loan mortgage originations as defined by the SAFE Act must register with the federal registry system and maintain a status in good standing under the SAFE Act requirements. Failure to register successfully or to maintain a status in good standing under the SAFE Act will affect your eligibility for continued employment and may result in corrective counseling up to termination of employment.

The above is intended to describe the general content of and requirements for the performance of this position. It is not construed as an exhaustive statement of duties, responsibilities, or requirements.