Mortgage Loan Processor

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Description

The mortgage loan processor is a part of the real estate lending team and is accountable for providing assistance to all Mortgage Loan Originators in initiating, investigating, and closing of all real estate loans.

Essential Functions:

• Preparing and verifying accuracy of real estate loan documents, of all sizes utilizing the most current real estate programs available.

• Maintaining contact with customers, loan originators, and realtors as needed to process loans in an efficient manner.

• Reviewing documents with the customer prior to title company closing.

• Scheduling appointments with the title companies for closing.

• Filing required documents to protect the bank's lien position on collateral.

• Provide guidance and training to other loan processors in preparing and verifying accurate loan documents.

• Shipping recorded documents to investor to complete transaction.

• Coping documents before shipping to investor.

• Answering customer inquiries and phone calls

• Scheduling appointments between customers and loan officers.

• Work closely with the underwriter to ensure documents are correct

• Request VOE's and VOM's

• Collecting needed documents to process loan, flood, appraisals, verifications, transcripts, hazard binder and any other required documents.

• Assure complete and accurate loan documentation files, by following banks' lending policy and procedure.

• Develop and maintain strong account relationships with customers ad loan originators.

• Promote a good image of the bank in the community by being involved in civic and charitable activities.

• Performs other related duties as assigned by the Mortgage Loan Manager or Mortgage Operations Manager.

COMPETENCIES:

• Knowledgeable about all real estate products and services offered by the Bank.

• Demonstrated credit and analytical skills.

• Ability to write clearly and concisely.

• Proficient in Word, Excel, Internet, and demonstrated ability to learn other computer programs.

• Problem solving

• Knowledgeable of loan processing procedures

• Mortgage Loan Processors, following their 90-day onboarding and training period, should be capable of processing a minimum of 20 mortgage loans per month, with 90 percent accuracy on each loan file submitted.

• Integrity and Trust

• Ethics and Values

Requirements

DESIRED QUALIFICATIONS:

• 3-4 Years working in the real estate industry.

• Proficient in Word, Excel, Internet, and demonstrated ability to learn other computer programs.

PHYSICAL REQUIREMENTS:

• Ability to work full time, 40 hours per week

• Ability to work additional hours if there is a business need

• Standing occasionally, 33%-65% per day

• Sitting frequently, 66% or more per day

• Speaking frequently, 66% or more per day

• Listening frequently, 66% or more per day

• Climbing rarely, less than 33% per day

• Stooping, squatting, rarely, less than 33% per day

• Lifting up to 25lbs, occasionally, 33%-65% per day

• Manual dexterity, and fine hand manipulation, frequently, 66% of more per day

• Overhead work, rarely, less than 33% per day

If you need reasonable accommodation to do the essential job functions, please provide details on the accommodation you would like to request.

The above noted job description is not intended to describe, in detail, the multitude of tasks that may be assigned but rather to give the employee a general sense of the responsibilities and expectations of his/her position. As the nature of business demands change so, too, may the essential functions of this position.