Perform assigned duties in support of the Compliance Manager, including the development, review, and implementation of policies and procedures to ensure compliance with applicable federal and state laws and regulations in our mortgage lending organization. Key Responsibilities: • Serve as compliance resource involving laws and regulations that have a significant impact on lending and capital markets operations • Respond to and track compliance inquiries and resolutions • Identify potential areas of vulnerability and risk and provide general guidance on how to minimize risk of non-compliance • Assist with the preparation of training materials and ad-hoc presentations and reporting

Main duties include being the front line of support for document Software Company. Troubleshootclient issues: Form printing problems (forms missing or not printing as expected), Calculation errors, Data input questions, ComplianceAnalyzer usage and audit report questions, Record in Client Relationship Management Program (SalesForce.com & Oracle) details of all conversations and email correspondence with clients, and actions taken as a result. Work with integrations between ClosingXpress and various Loan Origination Systems (LOS), Assist client in maximizing LOS input for optimal data export to ClosingXpress. Troubleshoot LOS export errors, Escalate client issues when warranted to appropriate internal team,including Development, Forms, Legal, and ComplianceAnalyzer support. Collaborate with team members to understand issues and collect additional information from clients as needed via telephone or web meetings, Assist in testing of fixes, Keep client informed throughout process. Report bugs, anomalies and other unusual results to Development. Set up new clients, Assign client codes and generate system logins, Send welcome materials and schedule trainings. Train clients to use system, including administrative setup of company defaults, export of loans from Loan Origination System (LOS), loan input, and processes required to generate document packages and run ComplianceAnalyzer reports.

Responsible for the review, processing, and safekeeping of legal loan documentation for all consumer, commercial and real estate loans. This includes maintenance of tracking and information systems, and insuring that all loans are processed in accordance with bank policy guidelines. The safekeeping, upkeep and maintenance of the bank’s loan documentation files; review, process. Processes all incoming loan documentation (includes legal documentation, financial information, internal analysis, memorandum, correspondence, and all other supporting materials); screens material against outstanding requirements catalogued in tracking systems to determine compliance and completeness; Participates and is proficient in all functions related to consumer loan transactions; participates in all functions related to commercial loan transactions. Post-closing loan review. Reviews all new consumer and commercial loans for: completeness of loan documentation, required approval, compliance with bank loan policies, and compliance with applicable government regulations. Participates and is proficient in all functions related to consumer loan transactions; participates in all functions related to commercial loan transactions. Responsible for the banks HMDA reporting and end of year submission. Key partner in adapting the Dodd Frank ATR requirements into banking procedure. Responsible for the pre-closing review and Clear to Close on all ATR Consumer loans for compliance. Additionally responsible for auditing loan production (originated and non-originated) for accuracy and compliance with the Home Mortgage Disclosure Act (HMDA) regulation. Identifies and implements system enhancements and new procedures as related to HMDA. Performs internal audits of HMDA records to verify the validity and accuracy of compiled data. Updates the HMDA/LAR within 30 days after the end of each calendar quarter. Assist with year-end submission of the HMDA/LAR.

Serve as Loan Officer for large Homebuilder and continue the customer contact throughout construction.• Originate all mortgage loans for the builder from point of sale through closing; • Provide constant communication with the borrower and maintain contact throughout construction;• Analyze borrowers information to determine appropriate company product;• Package and submit loan to appropriate underwriting procedure.

Serve as Loan Officer for large Homebuilder and continue the customer contact throughout construction.• Originate all mortgage loans for the builder from point of sale through closing; • Provide constant communication with the borrower and maintain contact throughout construction;• Analyze borrowers information to determine appropriate company product;• Package and submit loan to appropriate underwriting procedure;• Manage and maintain positive working relationship with the builder; • Monitor and control overages/shortages per company standards; • Strive to meet branch goals for capture rates for the mortgage company; • Utilize productivity reports and standards to manage the daily flow of loans; • Understand, plan and monitor cost center financials; • Train new sales counselors on financial services; • Regularly monitor compliance with QA and investor standards; • Manage and maintain a pipeline of at least 80 loans;• Complete required annual continuing education as required by the state.

Loan Officer for 3 states in the loan operations center.

Counsel and educate first time homebuyers. Assist borrowers in completing the education courses necessary to obtain down payment assistance through our organization and assist borrowers in obtaining 1st mortgage through outside lender.