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    "requisitionDescription": "<div><div><p data-pasted=\"true\">Deerwood Bank is a growing, privately-owned, community bank with 14 locations in Minnesota and is hiring a Residential Real Estate Loan Processor and Disclosure Specialist to work in its Mendota Heights, Waite Park, or Baxter, MN branch. This position is responsible for timely and independent processing of real estate loan files. Responsible for preparing and delivering required disclosures accurately, timely, and within compliance of all applicable laws and regulations for all Mortgage and Home Equity loan products. Precise data entry of customer information. Daily collaborations with Loan Officers, Underwriters, Loan Funders and Servicing Team. This position demands extreme attention to detail with outstanding quality, excellent customer service, and adherence to all bank policies and procedures.&nbsp;</p><p style=\"margin-left:0in;\"><strong>Functions, Duties and Responsibilities:</strong></p><div style=\"margin-left:0in;\"><ul style=\"list-style-type: disc;\"><li style=\"margin-left:0in;\">Review and process loan documents, including FNMA (Fannie Mae) guidelines, contracts and disclosures to ensure accuracy and compliance with TILA regulations</li><li style=\"margin-left:0in;\">Handle loan origination tasks such as inputting data into mortgage systems, verifying borrower information and preparing necessary documentation for underwriting</li><li style=\"margin-left:0in;\">Collaborate with underwriters and loan officers to facilitate smooth processing workflows&nbsp;</li><li style=\"margin-left:0in;\">Monitor the timing of the delivery of disclosures to ensure they are delivered within appropriate timeframes based on the method of delivery for all types of mortgage lending products based on the regulatory timing requirements and customer expectations</li><li style=\"margin-left:0in;\">Ensure disclosures are compliant and accurate</li><li style=\"margin-left:0in;\">Monitor rate lock and closing dates</li><li style=\"margin-left:0in;\">Generate and distribute up front disclosure packages to applicants for signatures via regular mail, overnight delivery, email, or e-sign per the direction of the licensed loan originator</li><li style=\"margin-left:0in;\">Ensure that the fees entered are appropriate for the program type and geographic area of the loan</li><li style=\"margin-left:0in;\">Validate the compliance of change in circumstance scenarios and re-disclosures as well as review the calculated fees for each change in circumstance scenario</li><li style=\"margin-left:0in;\">Generate and distribute preliminary Closing Disclosure to applicants for signatures as well as producing the closing documents</li><li style=\"margin-left:0in;\">Upload Closing Disclosures for all secondary market loans to the Fannie Mae and Freddie Mac Loan Delivery System for the Uniform Closing Dataset (UCD) program</li><li style=\"margin-left:0in;\">Ensure all transactions comply with federal regulations such as TILA and applicable banking standards while maintaining meticulous records for audit purposes</li><li style=\"margin-left:0in;\">Adhere to HMDA regulations</li><li style=\"margin-left:0in;\">Must stay current on all applicable product guidelines, processes, government regulations, and industry compliance best practices</li><li style=\"margin-left:0in;\">Must build and maintain positive relationships with all customers, potential customers, co-workers, and investors&nbsp;</li><li style=\"margin-left:0in;\">Meet crucial deadlines requested</li><li style=\"margin-left:0in;\">Willingly perform all other duties and projects as assigned as well as providing back up to other positions within the Mortgage Department</li><li>Strong organizational skills with attention to detail to ensure error-free transactions handling.&nbsp;</li></ul></div><p style=\"margin-left:0in;\"><strong>Regulatory Compliance Requirements:</strong></p><div style=\"margin-left:0in;\"><ul style=\"list-style-type: disc;margin-left: 16.25px;\"><li style=\"margin-left:0in;\">Incumbent will be responsible for meeting the requirements for all statutes/regulations pertaining to or governing his/her position. These include TRID, HMDA, ECOA, Fair Housing and Fair Lending, among others.&nbsp;</li></ul></div><p style=\"margin-left:0in;\"><strong>Knowledge, Skills and Abilities:</strong></p><div style=\"margin-left:0in;\"><ul style=\"list-style-type: square;\"><li style=\"margin-left:0in;\">2+ years of mortgage experience in a high-volume fast-paced environment required</li><li style=\"margin-left:0in;\">Provide excellent customer service and work in a team environment</li><li style=\"margin-left:0in;\">Ability to prioritize and make &lsquo;on-the-spot&rsquo; decisions that impact the customer, weighing customer satisfaction with exposure to loss or fraud</li><li style=\"margin-left:0in;\">In-depth knowledge of mortgage process&nbsp;</li><li style=\"margin-left:0in;\">Effectively operate all office equipment required to support this position. To include but not limited to personal computer, <strong>strong</strong> keyboarding skills, fax, scanner/copier, printer, phone system, all applications, spreadsheets, database, and presentation software necessary</li><li style=\"margin-left:0in;\">Strong interpersonal skills, attention to detail and positive attitude</li><li style=\"margin-left:0in;\">Excellent oral and written communication skills. Display independent judgement.&nbsp;</li><li style=\"margin-left:0in;\">Demonstrate excellent organization, prioritize workflow, adaptability, and flexibility</li><li style=\"margin-left:0in;\">Ability to work in a fast-paced environment and be a quick thinker and learner while maintaining a high degree of accuracy<strong>Work Schedule</strong>: Monday - Friday 8:00am - 5:00pm, with some flexibility on start or stop times.</li></ul></div><p><strong>Hiring Pay Rate:&nbsp;</strong>$25.00 - $30.00 per hour, depending on qualifications.</p><p><strong>Benefits</strong> are available to employees working 30 or more hours per week on the first of the month following date of hire.</p><ul type=\"disc\"><li>Medical insurance, including virtual telemedicine and mental health counseling</li><li>Health Savings Account</li><li>Flexible Spending Account (health, limited purpose health, and dependent care)</li><li>Dental insurance</li><li>Vision insurance</li><li>Life insurance (basic and voluntary)</li><li>Short-term disability insurance</li><li>Long-term disability insurance</li><li>Long-term care insurance</li><li>Adoption Assistance Program</li><li>Employee Assistance Program</li><li>PTO</li><li>Paid Volunteer Time Off</li><li>Paid holidays</li><li>401(k) with company match (eligible on the first of the month following 2 months of employment)</li><li>Financial wellness education</li><li>Free or reduced fees for banking products and services</li><li>Employee Referral Bonus</li></ul><p><br></p><p style=\"margin-left:0in;\" data-pasted=\"true\">Disclaimer - The above statements are intended to describe the general nature of work of employee. Deerwood Bank has the authority to change and/or add any functions, duties and responsibilities as management deems necessary to meet business and organizational needs.</p></div></div>\n",
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