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Lead Specialist in Canton, OH at Key Bank- Corporate

Date Posted: 1/3/2019

Job Snapshot

  • Employee Type:
    Full-Time
  • Location:
    Canton, OH
  • Job Type:
  • Experience:
    Not Specified
  • Date Posted:
    1/3/2019

Job Description

ABOUT THE JOB (JOB BRIEF)

Qualified applicant will be able to analyze real estate collateral for credit applications in conjunction with Policy & Procedure Manual. Analysis will include:
  • Review flood determinations for compliance with FEMA and KeyBank guidelines
  • Review home owners insurance policy for required coverage of all liens including valid policy and premium for debt to income purposes
  • Review of various title search products for lien and vesting clearance, determination of required owner/signers and collateral payoff requirements
  • Review of credit bureau reports to confirm residency, potential judgments or intervening mortgages against collateral
  • Review mortgage documents for terms and conditions of superior liens
  • Read complex legal documents and interpret their impact on Key’s collateral position
  • Apply State or regional specific real estate law as applicable
  • Review of various appraisal products to determine sufficiency of equity and availability of same
  • Conduct collateral investigations via available on-line and internal resources
  • Effective oral and written communications with sales professionals regarding application status and requirements
  • Ability to formulate innovative resolutions or authorize exceptions within Real Estate Specialist authority based on total client profile
  • Confirm correct rates in accordance with promotional guidelines and update as needed
  • Identify scenarios under Reg B, Reg Z, Reg O requiring updated disclosures (i.e.: Loan Estimate and Closing disclosures)
  • Ensure adherence to Lender conditional approval requirements
  • Update ACAPS processing system in preparation of accurate closing documents to branches
  • Communicate final approval message with all terms and conditions to Sales Professional
  • Complete requests for satisfactions or subordinations of KeyBank mortgages as needed
  • Comply with all Anti Money Laundering/Bank Secrecy Act, Privacy and Fraud Awareness policies/procedures and identify/report suspicious or fraudulent applications to the fraud hotline
  • Complete other miscellaneous job functions as assigned by Management
  • Availability to work hours between 8:00AM and 8:30PM and/or weekend shifts on a rotating basis

REQUIRED QUALIFICATIONS

High School Diploma or equivalent
Familiarity with consumer loan products
Experience in banking industry or mortgage industry (which can include real estate) or with consumer lending.
Knowledge and/or experience working with flood, or title, or appraisal.
Excellent interpersonal and written/verbal communications skills.
Ability to work efficiently and accurately in a fast paced environment with attention to detail
An aptitude for math and a passion for problem solving.
Knowledge and experience in use of MS Windows and related Office products.
Familiarity with use of Internet Explorer and Google Crome.

PREFERRED QUALIFICATIONS


BA in Business preferred or related field or job experience equivalent
Minimum 2 years Consumer Lending/Mortgage processing experience
Knowledge of ACAPS, Outlook, HOGAN, and ALS system.



ABOUT KEY:
KeyCorp's roots trace back 190 years to Albany, New York. Headquartered in Cleveland, Ohio, Key is one of the nation's largest bank-based financial services companies, with assets of approximately $134.5 billion at March 31, 2017. Key provides deposit, lending, cash management, insurance, and investment services to individuals and businesses in 15 states under the name KeyBank National Association through a network of more than 1,200 branches and more than 1,500 ATMs. Key also provides a broad range of sophisticated corporate and investment banking products, such as merger and acquisition advice, public and private debt and equity, syndications, and derivatives to middle market companies in selected industries throughout the United States under the KeyBanc Capital Markets trade name. KeyBank is Member FDIC.

ABOUT THE BUSINESS:
Key Technology and Operations (KTO) is Key Bank’s shared services organization for technology, operational, and servicing functions supporting business partners and clients across all lines of business. Within the overall organization, KTO provides efficient, reliable and secure technology; creates an effective variable cost technology delivery model that maximizes the return on IT spend; orchestrates the efficient use of corporate information and technology assets; and supports innovation that creates competitive distinction. KTO is effective and efficient in payment and deposit servicing, loan servicing, exception and dispute processing, investment and support services, sourcing and procurement, as well as enterprise-wide fraud prevention, investigations and operational support to human resources and the Bank’s BSA/AML program.

FLSA STATUS:Non-Exempt

KeyCorp is an Equal Opportunity and Affirmative Action Employer committed to engaging a diverse workforce and sustaining an inclusive culture. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status.

JobID: 33330BR

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