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Job Description Job Title: New Loan Review Examiner Department: Loan Accounting Department Reports To: Loan Accounting Manager Salary Grade/Salary Range: 7 ($14.64/hr - $23.40/hr) Revision Date: 9/1/2012 Position Summary Under the direction of the Loan Accounting Manager, examine and analyze new loan documents to ensure accuracy and compliance with all applicable bank and regulatory codes, statuts and policies. Maintains thorough working knowledge of all bank, department and regulatory policies at all times and adheres to these policies. Communicates with department management to promote efficient and accurate new loan documentation. Essential Duties and Responsibilities • •



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Examines RESPA disclosures prior to customer distribution to ensure accuracy and compliance with the Real Estate Settlement Procedures Act. Examines new loan package documentation prior to boarding to ensure file documentation is in compliance with all applicable regulations including but not limited to Truth in Lending (Reg Z), Real Estate Settlement Procedures Act (RESPA), Foreign Assets Control Act (OFAC) Equal Credit Opportunity Act (ECOA), Fair Housing Act, Fair Credit Reporting Act (FCRA), Fair and Accurate Credit Transaction Act of 2003 (FACT ACT), FIRREA Appraisal Requirements. Examines new loan package documentation prior to boarding to ensure file is documented according to bank policy with the appropriate Flood Disaster Protection Act insurance approvals/signoffs. Examines HUD1 and HUD 1a documents prior to boarding for accuracy and compliance. Orders Tax Lien Service for all applicable loans. Examines new loan package documentation and completed file checklists to ensure that critical documents as designated on the checklist are complete, negotiated accurately and are in file.

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Research, notate and input all new loan pending follow-up documentation ticklers including but not limited to Deeds of Trust, Title Policies, Financial Documentation, UCC Post Searches. Examines new loan package documentation to ensure that loan policy exceptions have been documented by lending officer according to bank policy. Digest large , complex volumes of regulatory information provided by regulatory organizations, and internal compliance departments and ensure that new loan file documentation continues to be in compliance with all regulatory requirements. Maintain current up-to-date knowledge on regulatory requirements regarding loan file documentation by digesting regulatory organization publications and frequently attending seminars, webinars and other pertinent training programs. Prepare weekly reports for management that document new loan file documentation issues and their resolutions. Develop and maintain procedural manual for tasks assigned to this position to be used as reference material for existing employees, as a cross training tool for the development of new employees, and to assist with business disaster recovery. Back-up for Loan Accounting Specialist. Other duties as assigned.

Qualification Requirements 

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To perform this job successfully, an individual must be able to perform each essential function satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Knowledge of Commercial, Real Estate and Consumer loan documents. Knowledge of loan file documentation regulatory compliance codes and statues Knowledge of Loan processing, practices, methods and procedures Strong skills operating a personal computer including Microsoft Word, Excel, and negotiating the Internet. Ability to read, analyze and interpret technical procedures or government regulatory publications and legal documents. Ability to write reports, business correspondence and procedure manuals.

Education and/or Experience Requirements An Associates Degree (AA) or equivalent from two year college or technical school: or knowledge typically gained through a minimum of 2 years progressively responsible experience in Loan Servicing/Accounting Operations, Loan Administration, Loan compliance or Loan Documentation; or an equivalent combination of education and experience. Minimum Typing Speed Required Ability to type 40 wpm 2

Language Skills Ability to read and interpret documents such as safety rules, operating instructions, procedure manuals, policies and memorandums. Ability to write routine correspondence and communicate effectively and tactfully, orally and in writing with fellow employees, customers, vendors and management. See Minimum Qualifications above. Mathematical Skills Ability to add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals. Ability to use a basic calculator. No additional requirements Reasoning Ability Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram or schedule form. No additional requirements Other Skills and Abilities To perform the job successfully, an individual should demonstrate the following competencies: Accuracy and Quality - Ability to achieve a high standard with work processes and outcomes, is able to complete tasks with a concern for all details involved; monitors and checks work for precision, clarity and completeness; produces quality results. Continuous Learning - Ability to take responsibility for own learning and development by acquiring and refining of technical and professional skills needed in job related areas; ability to proactively seek performance feedback and identify approaches to improve own performance. Verbal Communication - Ability to express ideas effectively and speak clearly in individual or group situations, adjusting style and methods to meet specific needs of the audience; attentively listens to others to gather data and paraphrase meaning to verify understanding. Written Communication - Ability to use correct English grammar, punctuation, and spelling; communicates information (facts, ideas, or messages) in a succinct and organized manner; produces written information which may include technical material that is appropriate for intended audience. Dependability - Ability to make self available for work on a consistent and timely basis with infrequent unplanned absences; Ability to ensure work responsibilities are covered when absent; ability to follow instructions, and respond to managements directions. 3

Prioritization/Time Management - Ability to assess multiple tasks or issues which are competing for a limited amount of time or resources and effectively determine order in which each will be addressed; ability to set priorities, goals and timetables to achieve maximum productivity; ability to track both completed and incomplete activities. Teamwork - Ability to work cooperatively with others as part of a formal or informal team to accomplish Bank goals; ability to respect the needs, ideas and contributions of others; ability to contribute to and accepts concensus; ability to subordinate own objectives to the bank or their team. Ability to focus on solving conflict, not blaming; ability to maintain confidentiality. Customer Service - Ability to provide internal and external customers with the highest quality of customer service that meets their needs, in a timely, efficient, and professional manager; Ability to follow up on customer complaints, questions and requests. Physical Demands 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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to stand, walk, sit, reach with arms, talk or hear and use hands to finger, handle or feel objects, tools or controls. The employee is occasionally required to climb or balance, stoop, kneel, crouch and may occasionally use ladders for a variety of tasks. The employee must frequently lift and/or move 20-25 pounds and occasionally lift and/or move 20-25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus. Some driving may be required. Post-offer physical is not required for this position. The employee must have the ability to use a computer keyboard, mouse, calculator, copier, fax machine and telephone. The work environment is indoors with the majority of time spent sitting at a desk. The noise level is moderate.

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Acknowledgment: I understand that this job description should in no way be construed as a contract for employment, but rather is intended to indicate the general nature and level of work to be performed. Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to or from this job at any time. It is not designed to contain nor be interpreted as a comprehensive account of all the responsibilities and/or qualifications required of an employee assigned to this job. These job duties may be subject to change at any time due to reasonable accommodation or other reasons. Further, I understand that if I have any physical limitations or require any accomodations in order to perform the essential functions of my job, I must immediately inform my supervisor.

____________________________________________ Employee Signature

_______________________ Date

____________________________________________ Supervisor Signature

_______________________ Date

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Job Description

Job Description Job Title: New Loan Review Examiner Department: Loan Accounting Department Reports To: Loan Accounting Manager Salary Grade/Salary Ran...

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