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Thorough knowledge of residential loan products, policies and procedures. Responsible for the processing of residential loans. Works both independently and collaborating as a team with assigned Mortgage Loan Originators, Branches, Attorneys, Servicing, other Loan Analysts and Management to ensure a smooth process from application to closing. Partner with Underwriters to ensure loans meet guidelines and appropriate conditions are obtained.  Strive to ensure a frictionless customer experience throughout the loan cycle.

Key Result Areas:  

§  Provide a customer centric service experience while working to ensure the customer’s financial wellbeing

§  Keep assigned Mortgage Loan Originators and/or Branches informed of the status and conditional requirements of loans

§  Communicate key updates to the customer such as loan decision, condition requirements and loan status. Follow up and review with customer on required underwriting conditions.  Sign off on conditions as appropriate

§  Review new mortgage applications and prepares disclosures and reviews them for completion and compliance before being sent to the customer. Prepare and send any additional required disclosures throughout the process, as applicable

§  Responsible for managing assigned pipeline of loans ensuring required timelines are met

§  Conducts regularly scheduled pipeline meetings with Mortgage Loan Originators to discuss status of loans and actions to be taken

§  Ensure all compliance requirements are met on every file

§  Order appraisals, order flood certifications, title work, verifications and credit report updates, as required

§  Ensure proper maintenance of Encompass throughout the application process. Including updating all income, asset, credit and collateral information based on documentation received throughout the process

§  Communicate Clear to Close to the Loan Originator, Borrowers, and the Closing Department

§  Responsible for loans closing within compliance and required or reasonable time frames. Monitor rate lock expiration dates and purchase and sale for contingency and closing dates to ensure this

§  Be familiar with basic parameters and requirements of all loan products offered

§  Send out all required notification forms such as, incomplete notice, commitment letter, adverse action notice, etc

§  Establish and maintain effective working relationships with other employees and customers

§  Contribute to the effective team management of all bank problems, issues and opportunities

§  Perform additional duties as required                                  


§  High school education  

§  3 years' experience working in a loan processing, closing, servicing or underwriting environment

§  Complete knowledge of mortgage and consumer loan products, preferably CSB products

§  Excellent communication and customer service skills are required

§  Basic understanding of federal and local regulations or ordinances concerning lending activities

§  Strong computer and analytical skills, along with attention to detail and organizational skills are critical

§  Basic understanding of Secondary market guidelines such as; FNMA, FHLMC and approved Investors

The above description covers the most significant responsibilities but does not exclude other occasional responsibilities and accountabilities, the inclusion of which would be in conformity with the major purpose of this job. 


Waltham, Massachusetts 

About Cambridge Savings Bank: 

Cambridge Savings Bank is a full-service financial institution with approximately $5 billion in assets that is committed to improving the quality of life in the communities it serves. One of the oldest and largest community banks in Massachusetts, Cambridge Savings Bank offers a full line of individual and business banking services and has branches located in Arlington, Bedford, Belmont, Burlington, Cambridge, Charlestown, Concord, Lexington, Melrose, Newton, and Watertown.

Cambridge Savings 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. We are a VEVRAA Federal Contractor.