Mortgage Loan Processor

Job Summary:

This position is responsible for processing Home Mortgage loans per bank policies and procedures.  

Essential Functions:

• Properly process mortgage loan applications from application to closing, including gathering required documentation.
• Order Flood Determinations, all verifications, and any additional items required for loan approval. 
• Properly review and verify documentation received from customers per policies and procedures.
• Accurately calculate various incomes for processing loan applications, including understanding the different types of calculations required for loan processing.
• Responsible for updating information on applicable software, monitoring the status of necessary documentation throughout the loan process, and ensuring proper documentation is obtained.
• Run appraisal on UCDP within Mortgagebot and send the borrower a copy of the report. 
• Prepare and submit loan files, if required to PMI company, for MI approval and/or NIFA for pre-closing approval.
• Prepare and submit loan files to the underwriter for approval and follow up on necessary items to close the loan promptly.  
• Aid the mortgage loan officer and staff when necessary. 
• Assist in loan closings.
• Process denied/withdrawn loans and if HMDA reportable, ensure information is input in Mortgagebot for correct reporting. 

 Qualifications/Skills:

• High School Diploma or Equivalent.
• 2+ years of customer service experience.
• Banking experience preferred. 
• Proficiency in Microsoft Office products.
• Excellent communication skills, including verbal and phone.
• Creativity and resourcefulness.
• Ability to handle multiple priorities and ensure accurate and timely completion of all tasks.

Physical Requirements:

• Prolonged periods of sitting at a desk and working on a computer.
• May need to stand for long periods of time.
• Must be able to lift up to 15 pounds at times.

Other Duties:

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.