Associated Bank is an equal opportunity employer committed to creating a diverse workforce. We support a work environment where colleagues are respected and given the opportunity to perform to their fullest potential. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors. Applicants with a disability who need assistance applying for a position with Associated Bank are asked to email: careers@associatedbank.com

Job Summary

Work with Bankers, Call Center/Retail Direct staff, the end consumer and vendors to obtain and verify information needed to process consumer real estate secured loans and lines, secured/unsecured products and checking reserve accounts, this includes but is not limited to title, flood, appraisal, income verification documentation, subordinations and satisfactions, and proof of home owners insurance. Order, review, receive verifications of employment using third party vendor. Process appraisals for all Consumer HELOC applications, this includes appraisal ordering, mailing appraisals to consumers and processing appraisals including assigning appraisal waiting periods as governed by federal bank regulations. Prepare compliant and accurate loan closing documentation for Consumer loan closings. Perform quality peer review of loan closing documents prior to them being delivered for closing. Communicate with residential lending specialist as needed/appropriate to ensure processing/closing of consumer loans is conducted effectively and efficiently. Use information provided by Personal Banker and/or end consumer and obtained from vendor to complete processing functions in order to generate an accurate and complete consumer loan/line document closing packet. Provide phone support to Personal Bankers related to real estate loan/line origination (and all consumer products), closing and disbursement. Stay current of changes in internal guidelines and regulatory compliance.This position requires a credit check per 12 CFR Chapter X, Part 1026, Truth in Lending, Regulation Z.

Job Accountabilities

• Use loan origination system to process real estate loans. Processing involves reviewing the application for completeness, providing initial regulatory disclosures (and re-disclosure where appropriate), verifying information in the systems, adding information(obtained from the Banker and/or end consumer) as it relates to collateral ownership, payoffs, loan fees, verifications/additional documentation and disbursements. Prepare (and review for accuracy) all applicable loan documents and deliver to Banker to meet closing date requirements.


• Order, review, process appraisal orders. Monitor appraisal revisions and re-mail to customers as necessary. Assign appraisal waiting period as governed by ECOA regulation.


• Manage the Consumer Lending mailbox, which includes processing loan closing requests, answering lender and appraisal desk questions, and providing additional information when requested.


• Stay current and compliant with all system, process and regulation changes that affect the daily workflow.


• Contact retail lenders and/or end consumer through use of e-mail or phone for additional information in order to resolve discrepancies between information provided at application and obtained from outside sources (i.e. flood, property ownership or valuation).


• Appropriately manage pipeline to ensure closing documents are delivered to the closing officer within the Service Level Agreement


• Communicate with underwriting and processing through use of e-mail, loan comments or phone when changes in collateral or other loan characteristics occur that may increase the risk to Bank


• Provide e-mail or phone support to retail lenders by answering questions related to real estate loan origination, processing and disbursements in addition to processing loans and lines to a closing status in an accurate timely manner.

Education

• High School Degree Required

• 2-4 years In a financial services environment that includes loan documentation experience or loan processing experience and customer service experience. Required


• 4-7 years In a Mid-sized to large financial institution that includes experience with real estate loans and lines through loan origination (in a high volume environment), document preparation, file audit, and collateral review. Established communication skills with internal and external customers. Required

Compliance Statement

Fully complies with all applicable enterprise policies and procedures. Acts in compliance with all applicable laws and regulations as outlined in training materials, including but not limited to Bank Secrecy Act. Responsible for reporting suspicious activity to Financial Intelligence. Responsible to report all customer complaints as prescribed and procedure violations to management or HR. Responsible to report ethical concerns as needed to Associated’s anonymous Ethics Hotline.Operates in full compliance with internal policies and procedures as well as applicable regulations and laws, including but not limited to Bank Secrecy Act/Anti-Money Laundering and S.A.F.E. Act requirements. Must submit required information to meet registry requirements, obtain a unique identifier, and maintain the registration requirements as directed by the S.A.F.E Act.

Associated Bank is committed to working diligently with any colleague who needs an accommodation perform the essential functions of the job. Please contact the Leaves & Accommodations office to request an accommodation.