Summary of Basic Function

Accepts and processes residential and consumer loan applications.  Prepares requisite disclosures, underwrites credit applications, and prepares closing documents.  Review the accuracy of loan set-ups and file maintenance.  Maintain accurate and complete loan files in compliance with federal and state laws and regulations and bank policies and procedures.

Essential Duties and Responsibilities

·       Accepts and processes residential and consumer loan applications.

·       Communicates with applicant and/or loan officer to ensure application information is complete and accurate.

·       Assist branch staff with loan applications.

·       Communicates with branch staff to ensure application information is complete and accurate.

·       Verifies applicant information in accordance with Federal requirements.

·       Verifies the accuracy of collateral valuations.

·       Obtains and analyzes credit reports and property reports.

·       Performs underwriting responsibilities, including the calculation of debt-to-income and loan-to-value ratios.

·       Enters application and underwriting information into the Encompass System.

·       Prepares underwriting, qualifier for loan officer review and loan decision.

·       Prepares commitment letter or adverse action notice based on loan decision.

·       Prepares all consumer loan closing documents and coordinates closing with loan officer or branch staff.

·       Coordinates and assists with residential loan closings and loan funding.

·       Reviews data associated with the Home Mortgage Disclosure Act to ensure its accuracy.

·       Provide a superior customer experience to all internal and external customers.

·       Represent and promote favorable image and uphold the reputation through involvement in community activities.

·       Other duties as assigned. 

Knowledge, Skills, Abilities and Requirements

·       High School Diploma required; Bachelor’s degree preferred.

·       Minimum of 2-4 years in a financial services environment; experience using Encompass LOS is a plus.

·       Must be self-motivated, and comfortable working in a fast-paced environment.

·       Should possess exceptional customer service and communication skills.

·       Must have a strong attention to detail and be able to handle data input with precision.

·       Should be proficient in Microsoft Office (Word, Excel, Outlook). 

·       Must have the ability to work independently.

·       Knowledge of consumer compliance regulations relating to mortgage lending is preferred.

·       Must have a high level of interpersonal skills to handle sensitive and confidential situations.

·       Possess strong written and verbal communications skills.

·       Excellent time management, organizational, and follow-through skills.

·       Must be able to lift 30 lbs.

·       Job may require local travel between branches, or other areas as needed.  

Benefits

At Brentwood Bank, we know that great people make a great organization. We value our people and offer our employees a broad range of benefits to support wellness for individuals and families.

Our People and Culture

Brentwood Bank is committed to a diverse, equitable, and inclusive culture that empowers our people contribute their unique ideas and perspectives to make a difference. Brentwood Bank creates a strong relationship within the communities we serve and will continue to contribute our time, talent, and financial support to improve the areas where we live and work. Here, you will work alongside company leaders and industry pioneers who have proven experience and are committed to continuous innovation. Employees feel valued in all aspects of their lives, including both their professional and personal aspirations. We are looking to hire the best and brightest to help use continue to evolve and drive superior services.

Over 100 years ago Brentwood Bank—operating as Tunnel Building & Loan at the time—set up temporary locations to help mill workers in the South Hills of Pittsburgh save and manage their money. The objective was straightforward: to provide practical financial support to the local community.

That approach continues to influence how the bank operates today.

Brentwood Bank focuses on supporting the long-term financial stability of the communities it serves. Because we operate as a community bank rather than a large regional or national institution, we have more flexibility in structuring solutions that each customer’s unique circumstances. This includes working with individuals, businesses, nonprofit organizations, and municipalities, taking the time to understand their specific financial needs, and creating practical solutions that fit. 

The result is that Brentwood Bank customers tend to get more direct attention and less one-size-fits-all treatment. When a banker genuinely understands your situation, the advice and products you receive are more likely to be useful. That’s good for you, and it just feels right to us.

That’s why our customers consider us a trusted financial neighbor rather than a bank.  It’s how we see ourselves, too.