Operations Analyst II

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GENERAL FUNCTION: Performs a wide range of duties related to the preparation of initial disclosures for residential mortgage loans. Responsible for validating loan fees including fees from the title company and ERNST. Utilizes title companies'onlinefee calculator to validate the fees. Ensures the data is accurate before preparing initial disclosures to be sent to the borrower(s). Utilizes tracking sheets in Excel to monitor progress. Maintains contact with external and internal customerstoensure workflow deadlines are met. Responsible for updating the file and notepad as work progresses through the opening process. Maintains a high level of positive customer experience.

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank’s risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.

ESSENTIAL DUTIES & RESPONSIBILITIES:

• Create, process and send regulatory required disclosures for mortgage loans, including Loan Estimates and Redisclosures for all mortgage loan types including conventional and government loans.
• Maintain strong knowledge of mortgage regulations and rules for application in disclosure creation.
• Ensure accuracy and data integrity on mortgage systems and other systems of record to evidence compliance with regulations, including disclosure data and compliance with regulatory prescribed dates and timing.
• Communicate with escrow/title companies, loan officers, and other parties to ensure all fees are accurate prior to disclosing initial documents.
• Represent the bank in a positive and constructive way.
• Alert management, loan officers and peers to any known issues or concern.
• Proactively identify issue and present solutions.
• Independently solve individual file issues using regulatory and bank knowledge.
• Actively participate in ongoing efforts to continually improve customer service for internal and external customers.
• Provide solutions and input to reach positive outcomes.
• Function as an escalation point within the team based on experience/knowledge.
• Maintain knowledge of Fifth Third Mortgage Company's policies and procedures.
• Provide feedback and input to procedures and policies ensure they represent the process and practical application.
• Perform any other duties as assigned.
• Adapt to fluid and changing environment.
• Act as a change agent for the team, positively embracing change and improvement.

SUPERVISORY RESPONSIBILITIES: None

MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:

• High school diploma or equivalent.
• Knowledge of real estate documentation requirements and the closing process.
• Excellent written and verbal communication skills.
• Strong PC skills (MS Office) required, must have experience with Mortgage origination systems, platforms tools and technology.
• Demonstrated organizational skills.
• Demonstrated teamwork and customer service skills.

Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.