Job Description

Primary Office Location: 4140 East State Street. Hermitage, Pennsylvania. 16148.
Join our team. Make a difference - for us and for your future.
Position Title: Consumer Loan Documentation Representative
Business Unit: Operations
Reports To: Supervisor, Loan Operations
Position Overview
The Loan Operations Representative I is responsible for preparing, reviewing, and booking consumer loan documentation to ensure accuracy, compliance, and alignment with final loan approvals. This role requires detailed knowledge of consumer loan products, regulatory guidelines, and proficiency in loan documentation systems.
Key Responsibilities
Document Preparation & Review

• Prepare and review consumer loan documents to accurately reflect the structure of the final approval.
• Validate all documentation for compliance with approval requirements and regulatory standards, including TRID guidelines.

Loan Booking

• Book all consumer loan types into the core banking system with precision and timeliness.

Product Knowledge

• Maintain detailed knowledge of all consumer loan types and products, including:

• Vehicle-secured loans
• Real Estate loans
• Secured and unsecured Lines of Credit

Compliance & Verification

• Review organizational and supporting documents such as Property Reports, Insurance Policies, and Flood Reports to ensure compliance with loan approval requirements.

System Proficiency

• Utilize LaserPro and Fiserv documentation software to create and manage loan packages accurately and efficiently.

Risk & Regulatory Adherence

• Ensure strict compliance with regulatory laws, TRID guidelines, and company procedures.
• Actively identify and manage risk in accordance with F.N.B. Corporation's risk management program.

Additional Duties

• Participate in special projects and perform other related tasks as assigned.

Qualifications

• Education: High School Diploma or GED required
• Experience: Minimum 1 year in loan operations or related field
• Skills:

• Strong understanding of consumer loan products and documentation requirements
• Proficiency in LaserPro and Fiserv systems
• Working knowledge of TRID guidelines and compliance standards
• Excellent attention to detail and organizational skills
• Intermediate proficiency in MS Word and Excel

Position Title: Loan Operations Representative 1
Business Unit: Operations
Reports To: Supervisor of Loan Operations
Position Overview:
This position is primarily responsible for providing timely and accurate service to internal and external customers in support of the lending functions of the Bank.
Primary Responsibilities:
Executes post closing review of loan documents for consumer, indirect and residential mortgage loans, adds or removes document exceptions as discovered or resolved and reviews and packages mortgage documents for recoding.
Prepares closing documents for consumer loans and is measured against established volume levels, reviews requests for compliance with Bank policy and procedures and advises Lenders or Underwriters of deficiencies.
Books all types of loans to the core system and is measured against established volume levels.
Maintains and tracks all vehicle titles to insure that the Bank is placed as the lien holder, prepares lien release letters, orders duplicate titles, processes requests for state to state transfers and monitors FDI reports.
Files all loan files and follow-up paperwork after it has been scanned to Director and provides documentation to internal and external resources as needed.
Processes paid loan files for all types of loans, releases collateral as required, prepares mortgage satisfactions and prepares and maintains retention boxes.
Processes mail payments.
Performs other related duties and projects as assigned.
All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation's risk management program.
F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.
Minimum Education:
High School or GED
Minimum Years Experience:
0
Special Skills:
Excellent communication skills, both written and verbal
Ability to work and multi-task in a fast paced environment
Detail-oriented
Ability to use general office equipment
Ability to use a personal computer and job-related software
MS Word - Intermediate Level
MS Excel - Intermediate Level
Special Licenses and Certificates:
N/A
Physical Requirements:
N/A
Equal Employment Opportunity (EEO):
It is the policy of F.N.B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements. FNB provides all applicants and employees a discrimination and harassment free workplace.

Skills Required