As the Mortgage Loan Processor, you may look forward to:
Obtaining and verifying all data and supporting documentation regarding a customer’s income, assets and liabilities.
Handling customer calls as needed and following through to obtain any missing information supporting the customer’s application.
Ensuring coordination and communication between internal and external customers (including Loan Officer, Realtor, Underwriting Department, Appraiser, Attorney, etc.
).
Submitting loans through necessary Automated Underwriting Systems (including DU, LP & GUS) and obtaining underwriting findings.
Recording and documenting all correspondence throughout the file process.
Monitoring the flow through underwriting and closing to ensure all conditions are met and file is closed on time.
Reviewing and managing pipeline for accuracy.
Collecting and recording accurate information in the appropriate fields of Encompass.
Complying with Banks Policies and Procedures, as well as regulatory compliance.
Keeping abreast of industry regulations and changes.
Obeys all applicable federal laws, rules, and regulations relating to Anti-Money Laundering (AML) including the Bank Secrecy Act (BSA).
You are a person that (required skills):
Has at least 2 years’ recent experience processing VA, FHA, Conventional, NC Housing and VHDA loans.
Has a High School Diploma or equivalent.
Has working knowledge of FNMA/FHLMC, FHA, VA, NC Housing and VHDA underwriting guidelines.
Has knowledge of real estate lending criteria, compliance, federal/state regulations.
Has excellent organizational, oral and written communication skills.
Has strong computer skills and experience with automated underwriting systems.
Is able to perform in a fast-paced environment typical to Mortgage Banking.
You’ll be better prepared if you have (desired skills):
Experience with Microsoft Word.
Experience with Encompass software.
Physically you can anticipate to:
Express or exchange ideas by means of the spoken word via email and verbally
Exert up to 10 pounds of force occasionally, use your arms and legs, and sit most of the time
Have close visual acuity to perform activities such as analyzing data, viewing a computer terminal, reading, and preparing documentation
Not substantially exposed to adverse environmental conditions
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential responsibilities of this job.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential responsibilities.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant.
However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information.
41 CFR 60-1.
35(c)
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