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Mortgage Loan Processor II

Expired Job

Keybank National Association Buffalo , NY 14202

Posted 4 weeks ago

Job Description:

ABOUT THE JOB (JOB BRIEF)

The Mortgage Loan Processor II reports to the Mortgae Loan Processing Supervisor and is responsible for ensuring loans are processed accurately and in a timely manner and must monitor and maintain compliance with all guidelines, policies and procedures established by federal, state, local and investor guidelines. In this role, it is important to ensure internal and external customer service expectations are exceedingly satisfied and to establish pro-active and timely communication to clients, Loan Officers, Branch referring partners, Underwriters and the closing department. The Mortgage Loan Processor II obtains necessary information and documentation to process and complete mortgage loan files. Verifies all documentation for accuracy and completeness. Knowledge of the mortgage loan process and associated documentation with a strong understanding of regulations and laws associated with residential lending is critical for success in this position. Ability to determine incomplete, inaccurate or missing information. To motivate, problem solve, counsel or influence others is a material part of the job, requiring a significant level of diplomacy and trust.

ESSENTIAL JOB FUNCTIONS

  • Review all loan applications for accuracy, completeness and compliance

  • Monitor and maintain an application pipeline

  • Image/index, review and submit completed files via the loan origination system to the underwriting department

  • Directly communicate with Loan Officers, clients, service providers and branch referring partner to gather and clear underwriting conditions; primarily responsible for documentation collection

  • Provide exceptional service for both internal and external customers

  • Ordering third party documentation; verify vendor orders are complete and invoices received

  • Communicate with various companies to obtain property survey, flood certificate, title commitment and payoff information

  • Maintain knowledge of industry compliance standard rules and regulations

  • Provide guideance, answer questions and act as a mentor to other less experienced Mortgage Loan Processors.

  • Review Hazard Insurance for required coverage and Insurance Carrier rating

  • Review title work for seasoning requirements, liens, entity issues, etc

  • Review flood certificates for flood status

REQUIRED QUALIFICATIONS

  • High school diploma or equivalent work experience required

  • Minimum of 5 years residential mortgage processing experience on agency products

  • Minimum of 2 years purchase processing experience

  • Working knowledge of PC (MS Windows and Office Products including Word, Excel, etc.)

  • Knowledge of RESPA guidelines, general knowledge of all mortgage and consumer lending regulations

  • Strong math and analytical skills

  • Foundational knowledge of tax returns; Foundation knowledge of FHA, VA, Conventional, Jumbo (preferred). Other products, (i.e.) CP, USDA, HELOC preferred but not required.

  • Excellent written and verbal communication skills and ability to work in a team environment

  • Demonstrated ability to prioritize, multi-task, meet deadlines and adapt to changing priorities with strong organizational skills.

  • Proven success working in fast-paced, high volume environments

  • Precise attention to detail

  • Ability to network and interct with others to build internal relationships to foster team environment.

  • Demonstrated knowledge of purchase lending requirements and documentation

  • Ability to handle competing priorities effectively and within established timeframes

  • High level of integrity and trust; must be a team player with a selfless attitude

  • Demonstrated strong customer service skills

  • Ability to work varying hours and overtime if needed

Employees in this job are required to comply with all rules and regulations of The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (The SAFE Act). Employees hired or transferring into this position will need to meet the qualification requirements, in Key's sole discretion, under Reg. Z, prior to acting as a loan originator in a consumer credit transaction secured by a dwelling. Qualification requirements include but are not limited to an assessment of overall financial responsibility, character, and general fitness through review of a criminal background check, credit report, and information about any administrative, civil, or criminal findings by any government jurisdiction.

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 Community Bank serves individuals and small to midsized businesses from Maine to Alaska through our 15-state network of over 1,200 branches, 1,500 ATMs, telephone banking and robust online and mobile platforms. KeyBank's Consumer/Business Banking segment provides consumers and small business owners with straightforward banking solutions and personal finance expertise that helps them make confident financial decisions today and plan for tomorrow. Key Private Bank offers wealth planning that follows a consistent, disciplined approach guided by objective advice based on each unique situation. KeyBank Commercial Bank offers midsize business financial services that drive growth and profitability and help business owners identify new opportunities with products and services including deposit, cash management, investment services, commercial lending, equipment leasing, and asset-based lending.

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: 32203BR


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Mortgage Loan Processor II

Expired Job

Keybank National Association