Pay Transparency

Salaries may vary based on geographic location, market data and on individual skills, experience, and education. This role is incentive eligible with the payment based upon company, business and/or individual performance.

Benefits

Additionally, as part of our Total Rewards program, Ephrata National Bank offers a comprehensive benefits package to those who qualify. This includes medical plans with prescription drug coverage; health savings account and/or flexible spending account; dependent care flexible spending account; dental and vision insurance; life insurance; 401(k) program with employer match and Employee Stock Purchase Plan; paid time off programs including holiday pay, jury duty, and bereavement; disability insurance coverage and maternity and parental leave; educational assistance and a robust wellness program with financial incentives.

To learn more about your potential eligibility for these programs, please visit About | Careers | Benefits | Ephrata National Bank.

Position Summary:

The Retail Loan Post-Closing Specialist is responsible for accurately setting up and onboard newly funded residential loans and consumer loans into the core system. This role ensures that all loan data, documentation, and collateral are complete, accurate, and compliant with investor, regulatory, and company requirements. This position is also responsible for being proficient in servicing residential and consumer loans in the core system.

Essential Functions:

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

• Review new loan files for accuracy, completeness, and compliance prior to boarding.
• Input and validate loan data in the core system, ensuring all terms and conditions are correctly reflected.
• Verify and reconcile key documents (notes, mortgages, riders, insurance flood certifications etc).
• Ensure escrow accounts, payment schedules, and interest calculations are setup correctly.
• Create batch entries for new loans; fees; payments; reversals and second day entries.
• Identify and resolve discrepancies, missing information or errors in loan documentation.
• Collaborate with the loan servicing team to communicate outstanding issues.
• Monitor and track loan boarding pipelines to meet service-level agreements (SLAs) and investor timelines.
• Process residential mortgage modification requests and residential construction loan advances.
• Process retail loan operation service tickets within SLA time frames.
• Complete account maintenance requests on consumer and residential loans.
• Assist with audits, regulatory reviews and quality control testing related to loan boarding.
• Process payment exceptions and loan payoffs.
• Completes miscellaneous maintenance in the core system that may be required.
• Performs such other duties as may be required by the position.

Required Education and Experience:

• High school diploma or equivalent required.
• 2-4 years of relevant experience.
• Understands retail loan documentation, loan systems, and compliance and investor requirements.
• Excellent verbal and written communication skills.
• Ability to meet deadlines in a fast-paced environment.
• Ability to effectively prioritize workload.
• Detail-oriented with excellent organizational and problem-solving skills.
• Proficient understanding of banking principles, documentation, services and operations.
• Proficiency in Microsoft Office Suite (Outlook, Word, and Excel).
• Proficient in the operation of specific computer applications approved for assigned role.
• Thorough knowledge of bank lending products, services and lending policy.

Competencies:

• ENB Operational and Functional Competencies

Supervisory Requirements:

This position has no supervisory responsibilities.

Work Environment:

This job operates in a professional work environment. This role routinely uses standard office equipment such as computers, monitors, mouse, keyboard, phones, printers, scanners, photocopiers, filing cabinets, calculator, and fax machines. Due to physical location of this position, phone ringing, and people conversing, it may be difficult to hear at times and therefore easily distracting.

Physical Demands:

Ephrata National Bank promotes an equal opportunity workplace, which includes reasonable accommodations of otherwise qualified disabled applicants and employees. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

While performing the duties of this job, the employee is regularly required to talk or hear. Specific vision required by the job includes close vision, distance vision, and ability to focus. While this position is primarily sedentary, the employee is frequently required to stand, walk, use hands to finger, handle or feel objects or controls, reach with hands and arms, bend, balance, stoop, kneel, and crouch. The employee must be able to lift and/or move up to 25 pounds including standard computer and copy paper boxes, and must be able to open and close filing cabinets and drawers.

Position Type and Expected Hours of Work:

This is a full-time position. Days and hours of work are Monday through Friday, 7:30 a.m. to 4:30 p.m. or 8:00 a.m. to 4:30 p.m. Flexibility of schedule to meet business needs is required.

Travel:

No travel is required for this position.

EEO Statement:

Ephrata National Bank supports a diverse workforce and is an Equal Opportunity Employer. It is the policy of Ephrata National Bank to provide equal employment opportunities without regard to race, ethnicity, color, religion, sex, national origin, age, disability, marital status, covered veteran status, sexual orientation, gender identity, genetic information or any other protected characteristic applicable under law. The bank complies with all relevant federal, state, and local laws, as well as, all regulations regarding nondiscrimination.

This job description reflects management’s assignment of essential functions and position responsibilities. Nothing in this job description restricts management’s rights to assign or reassign duties and responsibilities to this job at any time. The employee is expected to adhere to all of Ephrata National Bank’s procedures and to act as a role model in the adherence to bank polices.