Job Search

TowneBank has a culture that:

• Has a commitment to exquisite service for our members that will lead to our ability to create a reasonable rate of return for our shareholders, a bright future for our dedicated bankers, and a leadership role for our bank in promoting the social, cultural, and economic well-being of our community.
• Embraces our hometown banking philosophy, where our family members, directors and employees are active volunteers, serving on numerous boards and donating their time and talents to local organizations.

Primary Purpose:

The Residential Real Estate Account Administrator is responsible for assisting throughout the originating processing and closing of lot and bridge loans.

Essential Responsibilities:

• Able to work in a highly paced and dynamic environment
• Able to answer calls, emails, and inquiries in a swift and timely manner. 
• Able to follow up and maintain good file accounting even when the application is not taken.

• Well organized with an ability to prioritize and multitask.
• Strong verbal and written communication skills.
• Able to speak with employees, Bankers, Mortgage Loan Officers, Real Estate Agents, Attorneys, Title companies, and other lead sources.
• Experience using Microsoft Office Suite in a professional work environment.

• Knowledge of mortgage-related software, including Encompass.
• Able to take a full and complete Loan Application
• Able to talk about Rate Products and Loan Terms clearly.
• Able to maintain exceptional customer service quality.
• Understands appraisals and how to read them.
• Able to calculate Loan to Value.
• Knowledge of Real Estate transactions.
• Understands Real Estate Contracts, Surveys, and Title work.
• Able to problem-solve and find resolutions to complex situations.
• Able to read income documents, W2s, Tax Returns, pay stubs, assets, reserves, 401K statements, etc.
• Knowledge of self-employment income calculation.
• Familiar with Underwriting techniques and debt-to-income practices.
• Knowledge of the closing and settlement process.
• Knowledge of Homeowners, Condominium, and Flood Insurance.
• Able to manage the pipeline of loans
• Ability to interpret and apply policies and guidelines effectively
• Able to present and train Loan Officers, Bankers, and Senior Management.

• Able to demonstrate flexibility as demands and priorities change
• Other duties as assigned
• Obeys all applicable federal laws, rules, and regulations relating to Anti-Money Laundering (AML) including the Bank Secrecy Act (BSA)

Minimum Required Skills & Competencies:

• Two (2) years’ Mortgage loan experience
• Knowledge of mortgage loan disclosure requirements
• Demonstrated proficiency using Microsoft Outlook, Word, and Excel
• Ability to work independently with minimum supervision
• Strong organizational skills
• Strong attention to detail
• Ability to develop positive working relationships with individuals of all levels within the organization
• Ability to communicate in a positive and professional manner with internal and external customers and service providers
• Will need a NMLS#

Desired Skills & Competencies:

• Prior Mortgage experience
• Experience using Loan Operating Systems such as Laser Pro, Encompass, RIMS, and DocuSign
• Working knowledge of Microsoft Office products

Physical Requirements:

• Express or exchange ideas by means of the spoken word via email and verbally
• Exert up to 10 pounds of force occasionally, use your arms and legs, and sit most of the time
• Have close visual acuity to perform activities such as analyzing data, viewing a computer terminal, reading, and preparing documentation
• Not substantially exposed to adverse environmental conditions
• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential responsibilities of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential responsibilities.#mortgage#tbm