Mortgage Operations Specialist

Job Summary

Forcht Bank is a Kentucky-based community bank with approximately $1 billion in assets, ranking us among the largest banking groups headquartered in the state. Today, Forcht Bank has 25 banking centers in 12 counties across the Commonwealth and southern Ohio, and an award-winning team with more than 300 employees.

We're hiring a Mortgage Operations Specialist (Secondary Market Operations Specialist III) in Louisville, KY to be responsible for two or more of the following duties as the primary job function, or in a back-up role:

• Mortgage loan processing.
• Mortgage loan post-closing and file shipping.
• Generating mortgage regulatory disclosure documents.
• Generating mortgage loan closing documents.
• Quality control of mortgage loans.

Additionally, this position may also responsible for completing the Adverse Action disclosure on all denied, withdrawn or incomplete applications.

Other job responsibilities may include:

• Utilize the Mortgage Director system to its fullest potential by recommending system process improvements to increase efficiency.
• Prepare regulatory disclosures or mortgage closing documents in adherence to Forcht Bank polices and/or governmental regulatory requirements.
• Ensure mortgage loans are processed in accordance with Bank procedures and in a timely fashion. Work with 3rd parties to obtain required information.
• Perform quality control functions in either a pre-closing or post-closing function. Mail/ship mortgage documents to investors for document custody or loan sale. Follow for on-going trailing documents which must be sent to investors.
• Meet all loan level internal SLA’s and regulatory timing requirements with regards to documentation or disclosures.
• Stay current on all applicable regulatory mortgage-lending requirements published.
• Assist the Departmental Manager with adhering to the Forcht Bank Change Management Polices, BCP/DR Polices/ BCP Testing Polices and IT Security Polices.
• Provide customer support to Forcht bank internal and external clients in a professional manner and by responding quickly to phone calls, emails and instant messaging.
• As requested by the Departmental Manager, work with Internal Audit or Regulatory Agencies to meet requests for documentation in a timely fashion.
• Report any vendor incidence, potential cyber breach or concern to the Departmental Manager.

NOTE: For a complete listing of essential duties, responsibilities, and physical demands, please contact our Human Resources department. To perform this position successfully, and individual must be able to perform each essential duty and responsibility satisfactorily.

Why work at Forcht Bank?

The Kentucky Chamber of Commerce has named us one of the Best Places to Work in Kentucky for six consecutive years! We’re proud to offer:

• NEW wage scale!
• Comprehensive benefits package to include:
• Health, Vision, & Dental Insurance
• 401(k) Retirement Plan with Company Match
• Company Paid Life Insurance
• Paid Time Off (PTO) including birthday and holiday leave
• Employee celebrations
• Professional recognition
• A socially responsible employer
• And more!

*** Some benefits may only be available to full-time employees ***

Qualifications

The requirements listed below are representative of the knowledge, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Detailed knowledge of bank operations or mortgage loan activities.
• Be able to show proficiency with job requirements of at least two (2) primary job functions within the Department.
• Detailed knowledge of Microsoft Office products and bank information systems, specifically Loan Origination Systems (LOS) and loan imaging systems.
• Ability to exercise judgment and discretion in handling sensitive documents or other confidential information.
• An extreme attention to detail and ability to meet SLA’s.
• Ability to work with a team and members of other departments in a productive manner by meeting their requests and / answering their questions quickly.
• Must understand and view the entire department as a service organization, which must ensure the loan “product” being manufactured is done with an attention to detail and focus on customer service.
• Ability to communicate orally in order to convey information tactfully and effectively to all levels of employees and customers.
• Ability to give full attention to what other people are saying; taking time to understand points being made, asking questions as appropriate, and not interrupting at inappropriate times.
• Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition and grammar, including the ability to comprehend written sentences and paragraphs in work-related documents.
• Ability to manage time and be efficient and effective in the completion of assignments.
• Ability to establish productive business interpersonal relationships with others inside and outside the organization and to work with little direct supervision in carrying out the responsibilities assigned.
• Ability to work well under pressure.
• Ability to embrace and support the Bank’s management philosophy.
• Ability to perform multiple job functions and tasks with minimum supervision.
• Basic knowledge of mathematics and accounting principles including but not limited to general ledger entries, problem resolution and error detection.

SCHEDULING & TRAVEL

• Ability to travel to other locations as needed.
• Must be able to work on a flexible schedule that at times may include early or late working hours or weekend hours
• Must be able to attend new hire training and orientation in Lexington, Kentucky Monday through Friday 9:00 am to 4:00 pm for a one to two week period,

Supervisory Responsibilities

This position may carry out supervisory responsibilities in accordance with bank guidelines, policies and procedures, and applicable state and federal laws. Supervisory responsibilities include interviewing and making hiring recommendations; employee coaching, training and appraising performance; planning, assigning, and directing work; rewarding performance or recommending disciplinary action as appropriate; and, addressing complaints and resolving problems that may arise. This position may provide directional oversight to the following positions:

• Secondary Market Operations Specialist I
• Secondary Market Operations Specialist II

Note

This document and the statements contained within it are intended to describe the general nature and level of work being performed by the employee assigned to this position. They are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required of the employee.

EOE

We are committed to ensure fair and equal treatment for everyone we employ and as such, we are a proud Equal Opportunity Employer. We value diversity and believe employment, training, and promotional opportunities should be available to all persons without regard to race, color, gender (including gender nonconformity, gender identity, status as a transgender individual, and sexual orientation), sex (including pregnancy), age, religion, national origin, ethnicity, physical or mental disability, genetic information, political affiliation, protected veteran status or membership in the armed services, or any other consideration that is protected by applicable federal, state, and local law.