Consumer Loan Officer jobs in Pennsylvania

North Fifth Street: 355 North Fifth Street; Indiana, PA 15701

Work Days and Expected Hours:

Monday - Friday: 8:00 am to 5:00 pm

(Additional hours as necessary to meet the objectives of the department)

Function: Coordination of all validation and reporting of Consumer Equity Loans that are HMDA reportable.

Duties and Responsibilities:

• Support the maintenance of an accurate and complete HMDA Loan Application Register by:

  • Review every Consumer Equity loan for HMDA accuracy

  • Determine the action code for all cancelled and denied loan applications

  • Input correct HMDA data on Consumer Loan Origination System

• Assist in the training and education of Consumer Lending and Lending personnel who submit equity applications.

• Determine the cause of the HMDA errors, track by employee and communicate to the responsible supervisor.

• Keep current with Regulation C (HMDA) requirements.

• Respond to requests from the Compliance Department regarding potential HMDA violations.

• Advances knowledge through further education and/or obtaining certifications and attends training on regulatory, platforms and audit issue or concerns.

• Enhance good working relationships with S&T employees, demonstrates the ability to work effectively independently; also works as a team player to the success of all department and the organization.

• Obtains proficiency in the Consumer Lending Origination software, Compliance Relief, Microsoft Office Suite (Word, Excel, Access, PowerPoint, & Outlook), Internet searches, Core Operating System (FIS), imaging system along with the upgrades to these programs or replacement software and any other conduit available to process all applications as well as prepare required documentation.

• Acquires a thorough knowledge of all applicable laws / regulations and the Bank's Corporate & Lending Policies / Underwriting Manuals to ensure compliance.

• Performs additional duties as required including any administrative assistance to support the functions of the Consumer Loan Operations Department.

• Maintain and enhance good working relationships with S&T employees, demonstrates the ability to work effectively independently; also works as a team player to the success of the department and the organization.

• Assumes additional responsibilities as required.

Physical Demands

Operates a keypad device 95% of the day. Operates office equipment 5% of the day. The primary parts of the body involved in performing these tasks are the fingers, thumbs, hands, wrists and elbows, lower and upper torso. Sitting is required 6 hours per day while working at the computer, standing 1 hour and walking 1 hour. Requires the use of manual dexterity skills for typing up to 60% of the business day. Specific vision requirements include close vision of 18"-20" for computer work. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

Education

Requires a high school diploma or equivalent; with an additional two-year degree preferred; with specialized training preferred.

Experience

Requires two to five years general experience and one to two years specialized experience preferred.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

Salary Range: