I sure hate the economy and not having security in my job. My job depends on people's mood swings. Things got great for a while and my loan officer is all friendly. Today, she jumped my case for ordering an appraisal on a loan and "supposedly" not reading the loan approval conditions. I told her she took the loan application after making calls to the lender we use and being told what we wanted to do was ok and would work. She ran the loan through their automated underwriting program, read it then brought the loan to me and told me to order appraisal first the prelims and put the file in order. I did and within 5 days everything was in and it was sent to underwriting. Today we were told the loan was suspended and unless we could get an exception it would be declined. This borrower is one a member who is one of our biggest depositor. I got told by her that I had screwed up and it was my fault the appraisal was ordered and how I shouldn't have done anything until I had read the approval. I asked how it was my fault since she told me I had to stop what I was doing to order the appraisal. She still said it was my fault. I am her scape goat and I know if someone gets written up it will be me. She's even mentioned that neither of us have job security, especially me since she was processing the loans before I was hired. If I get laid off, I don't know what unemployment would be per month but I can't dwell on these insecurities. If worse comes to worse, I will re-adjust my budget and if all fails I can see about pitching a tent in my daughter's backyards .. taking turns in each state.. LOL.
