Real Estate and HMDA Specialist

CORTRUST BANK
The mission of this bank is to profitably deliver high quality customer service that meets the financial needs of our community, its businesses, and its citizens. No line of financial services is beyond our charter.

CorTrust Bank is seeking a full-time Real Estate & HMDA Specialist! Qualified applicants will be considered from any of the communities we serve.

It's more than just a job! When you join one of the region's leading community banks, you can expect a family atmosphere committed to building outstanding teams. We believe in the overall well-being of our employees and work hard to provide the best opportunities for growth. We're proud to offer a competitive compensation package that includes perks like 401k, insurance, paid time off, service awards, and community service opportunities.

As a Real Estate & HMDA Specialist, incumbents will support CorTrust's mission and business objectives by overseeing the collateral valuation process for real estate transactions across CorTrust’s footprint and ensuring compliance with the requirements of the Home Mortgage Disclosure Act (HMDA). They will review and analyze loan characteristics, pricing, and demographic information to identify and correct errors and ensure regulatory information is reported accurately. They will utilize appraisals and real estate databases to determine current and reasonable values for real estate collateral.

Daily duties for this position:

• Collect, validate, and analyze loan data to ensure compliance with HMDA reporting requirements.
• Review all new loan applications to ensure accurate completion of HMDA reportable data.
• Collaborate with lenders and loan processing staff to obtain proper documentation and to ensure files are completed and scanned appropriately.
• Enter loan data into reporting software and verify accuracy of recorded information.
• Identify and correct all errors within the reported data to ensure accuracy prior to annual LAR submission deadlines.
• Review and maintain internal and external valuation/appraisal requests for commercial, agricultural, and residential appraisals.
• Collaborate with loan officers, loan assistants, and appraisers to manage the bidding, ordering, completion, and review of appraisals and evaluations.
• Prepare internal property evaluations by researching property information and obtaining subject property picture from approved sources and coordinate the secondary review process for internal evaluations.
• Manage approved appraiser lists by maintaining updated information and ensuring all required information is collected for new appraisers.

Required skills & abilities:

• Possesses combination of education and experience to perform primary duties and responsibilities of position.
• Adapts easily to system, process, product, and service changes.
• Advocates for CorTrust in the community, customer experience, and co-worker relationships.
• Ability to reason, problem solve, think critically, and make decisions based on sound judgement.
• Demonstrates high level of integrity, personal diplomacy, and respect.
• Ability to understand and abide by the Bank’s policies and procedures.
• Must have or be able to develop proficiency with lending industry workflow and regulations such as HMDA, FIRREA, USPAP, and other regulatory requirements related to real estate.
• Ability to manage multiple projects simultaneously.
• Must be able to communicate efficiently with all levels of personnel across the organization as well as external parties.

We are 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.