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Mortgage Dept. Manager • East Tawas, MI

BASIC PURPOSE: 
 
Manages the mortgage lending department of the Bank. Provides regular reports to senior management on new, and suggests improvements to, lending strategies, goals and activities, and other related information. Manages staff, develops objectives, motivates and monitors performance. Develops and maintains competitive interest rate structure consistent with the Bank's policies and goals. 
 
PRINCIPAL ACCOUNTABILITIES: 
 
Directs the day-to-day operations of the mortgage department.  
Examines employee work for accuracy and conformance to policies and procedures. 
Recognizes and determines any internal problems/issues and makes recommendations for changes to policy or procedure to improve employee efficiency; resolves grievances as necessary to maintain harmony among employees. 
Keeps abreast of federal and state banking laws and regulations affecting the mortgage area. 
Determines work procedures, prepares work schedules as necessary and expedites workflow. 
Assures cross training for employees. 
Maintains good communication with supervisor, keeping him/her informed of any departmental problems or concerns. 
Responsibilities include, but are not limited to, participate in interviewing, selection and hiring process, completion of performance evaluations and making recommendations for increases, promotions, transfers and termination. 
Complies with internal controls, security policies and procedures including, but not limited to, the Bank Secrecy Act, maintains customer confidentiality, maintains dual control on note filing and keeps passwords confidential thus secures computer terminal at all times. 
Reviews and responds to audit and compliance examinations in the mortgage areas and ensures that appropriate changes in policies and procedures are enforced. 
Preparing loan packages for presentation to committee(s) when necessary. Coordinating with senior management. 
Maintaining professional and community relations to increase the banks visibility and new business opportunities and to further personal development. Positively promoting the banks image.  
Maintaining a solid understanding of all applicable Freddie Mac policies, procedures and regulations to ensure compliance of loans sold on the secondary market. 
May act as backup originator, processor, closer and underwriter. 
Maintaining a solid understanding and knowledge of all applicable policies, procedures and regulations relating to correspondent banking, software systems utilized for mortgage lending.  
Manager will have the authority to approve pre-qualifications for mortgages originated by others. Denials on pre-qualifications will require a sign-off by another lender, VP or higher. 
Report to work on time and maintain good attendance is an essential function of your job and necessary for our bank to operate efficiently. 
 
 
JOB REQUIREMENTS: 
 
EDUCATION: 
Two years of college in an accounting, business, or banking related field or the equivalent experience of same. 
 
EXPERIENCE: 
Five to ten years of bank experience which includes, but is not limited to, financial analysis, preparing and 
closing loans, understanding and analyzing trends and ratios, identifying client needs; the ability to structure 
loans. Must be able to communicate effectively, both orally and in writing. Demonstrated supervisory skills to direct the work product of employees. Demonstrated leadership skills, such as organizing, problem solving, planning and decision-making for effective management.  
 
Huron Community Bank is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, gender identity, sexual orientation, disability status, protected veteran status, or any other characteristic protected by law.

Apply by calling (Fax Only) 989-984-0704 or by emailing your resume to domeierl@bankhcb.com*.

Mortgage Loan Processor / Closer • East Tawas

Mortgage Loan Processor / Closer  
 
General Duties:  
 
Inputting information from application documents. Producing customer disclosures and information in compliance with internal and external documentation regulations and guidelines. Resolving exception items as they are recognized. Requesting additional information as needed. 
Ordering documentation to support key elements necessary to a mortgage transaction. 
Developing and maintaining a solid understanding of all applicable Freddie Mac policies, procedures and regulations to ensure compliance of loans sold on the secondary market and performing transactions relating to the sale of loans to Freddie Mac. 
Developing and maintaining a working knowledge of MortgageBot software. 
Developing and maintaining a working knowledge of Freddie Mac online systems utilized for automated underwriting and loan delivery. 
Preparing closing statements and all other applicable closing documents to ensure strict compliance with REG Z, RESPA, TIL, investor and internal guidelines. 
Coordinating closing schedules with borrowers, brokers and other third parties.  
Presenting closing documents to include borrowers, sellers and real estate professionals. 
Assuring accuracy and resolution of all title commitment requirements, tax pro-rations, payoffs and disbursements.  
Overseeing real estate construction financing and disbursement of funding draw schedules, collecting appropriate documentation to assure clear title. 
Adhering to all applicable internal operational and security procedures.  
Candidates must maintain a professional image and have excellent customer service, interpersonal and organizational skills. 
 
Candidates must exhibit the ability to maintain a high level of productivity while preserving high levels of quality. Excellent verbal and written communication skills are a necessity. Candidates must be detail oriented and have the ability to multi-task. Previous mortgage lending related experience preferred.  
 
 
Huron Community Bank is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.  
 

Apply by calling fax 989-984-0704 or by emailing your resume to domeierl@bankhcb.com*.

Part Time Teller • Tawas City / East Tawas

General Duties will include but not limited to: 
Operate a teller window, processing a variety of transactions  
Maintain a working knowledge of all retail products and services in order to effectively sell and cross sell to current and prospective customers 
Balance, make adjusting entries and prepare various teller reports  
Balance ATM machine  
Adherence to all applicable internal operational and security procedures 
 
Ideal candidate will have: 
High school diploma or equivalent 
Prior banking or cash handling experience 
Ability to stand for long periods  
Excellent customer service and interpersonal skills 
A professional image 
 
Huron Community Bank is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, height, weight, national origin, disability status, protected veteran status, or any other characteristic protected by law.  
 

Apply by calling 989-984-0704 Fax or by emailing your resume to domeierl@bankhcb.com*.

Personal Banker - Full Time • West Branch

BASIC PURPOSE: 
This position is the focal point in the branch for sales, service and/or referral opportunities in support of overall branch goals and activity requirements. The position is a key driver of customer flow in the branch to support these activities. The position services existing customers and grows the business through identifying opportunities with costumers. The position must stay current on operational, product, and system changes/enhancements, as well as demonstrate good risk management decisions to assist the branch in managing preventable losses and reduce fraudulent activity. Their percentage of time spent in each work area is based on branch size, complexity, and need. 
 
Principal Accountabilities:  
 
Provide and maintain excellent customer service to all bank customers.  
Promotes the Bank's products and services and refers customers to the appropriate sales personnel. Answers customers' routine banking questions; refers complex inquiries to management.  
Processes daily transactions including deposits, withdrawals, check cashing and payments accurately, and balances work to teller system with minimal to no assistance.  
Receives, pays out monies, balance cash drawer with minimal to no assistance, and maintains an acceptable difference record.  
Update customer contact information on an ongoing basis to be sure we have the most accurate data in the event the bank would need to contact them.  
Assists with support work including, but not limited to, night drop, ATM balancing, safe deposit box, debit card set up, Branch capture, and preparing courier bags for transit.  
Performs various clerical duties including answering phone, typing, filing and preparing check orders.  
Ensures compliance/adherence to all policies, procedures and federal regulations in order to attain a satisfactory or better branch audit. Maintains confidentiality of all customer records and documents.  
Open and close accounts 
�nterview consumer loan applicants and collect proper loan qualification documentation. 
Conduct consumer loan closings 
Register with the NMLS and attain NMLS Unique ID# 
Complies with internal controls, security policies and procedures (e.g. Bank Secrecy Act). 
Performs additional duties and projects as assigned. 
Report to work on time and maintain good attendance is an essential function of your job and necessary for our bank to operate efficiently.  
 
Huron Community Bank is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, height, weight, national origin, disability status, protected veteran status, or any other characteristic protected by law.  
 

Apply by calling FAX 989-984-0704 or by emailing your resume to domeierl@bankhcb.com*.

*When communicating with HCB via E-mail, do not include sensitive, non-public personal information such as account numbers, social security numbers or other identifying information.

Huron Community Bank is an Equal Opportunity Employer of women, minorities, protected veterans and individuals with disabilities.

Huron Community Bank © 2017 • www.bankhcb.com
 
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