Commercial Banking Company
General Description
The Mortgage Loan Processor is responsible for the processing of a mortgage loan from origination to funding. This position will support the Mortgage Loan sales staff by collecting all necessary documents and managing the transaction to ensure the closing deadline is met.
RESPONSIBILITIES
Ensure timely and independent processing of mortgage loan files (in compliance with all applicable laws, regulations, and corporate policies and procedures) from origination through post settlement delivery.
Proactively communicates loan status with the mortgage loan officer and/or customer.
Process loans through underwriting systems and review findings with the underwriter(s) and loan officer; understand pre-qualification guidelines including calculating income and loan to value metrics. Work directly with underwriter to clear conditions.
Arrange loan settlements/closings; notify all related participants, and prepare the completed settlement package for closing.
Review signed settlement papers for accuracy, completeness, and compliance with closing instructions.
Maintain thorough understanding of Conventional, FHA/VA, USDA loan requirements, guidelines, and documentation.
Assist Mortgage Loan Officer in achieving loan goals.
Maintain excellent customer relations and the confidentiality of the customer's personal information.
Remain current and adhere to all regulatory required training.
Attend various mortgage courses or other general banking courses as required.
Gather and compile all loan documents needed from all parties to effectively respond to all mortgage loan requests.
Work with customers and Loan Officer to resolve problems, answer questions, and assist in collection of mortgage payments.
Perform all other duties as assigned.
Commercial Banking Company is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to age, race, gender, sex, religion, national origin, disability, genetic information, sexual orientation, gender identity, pregnancy, veteran status, or any other characteristic protected by local, state, or federal law.
REQUIRED SKILLS, EXPERIENCE, AND EDUCATION
High school diploma or the equivalent
Previous Mortgage experience required
Banking experience preferred
Excellent interpersonal and customer service skills; good social skills
Excellent written and verbal communication skills
Demonstrates a "team" attitude toward the bank and coworkers with a constant focus on improving/protecting the bank
Possesses an attitude of cooperation and a continual motivation to learn
Ability to demonstrate high levels of accuracy and efficiency
Good organizational skills and the ability to multitask efficiently
Ability to handle high call volume and multiple problem-solving situations
Proficient with computers; good technical skills; working knowledge in word processing, spreadsheet applications, and Platform system
Maintains a neat, well-groomed, professional appearance
Maintains a clean work area
Punctual & reliable
All applicants must be able to pass the following screens: Background Credit Drug Screen
The Mortgage Loan Processor is responsible for the processing of a mortgage loan from origination to funding. This position will support the Mortgage Loan sales staff by collecting all necessary documents and managing the transaction to ensure the closing deadline is met.
RESPONSIBILITIES
Ensure timely and independent processing of mortgage loan files (in compliance with all applicable laws, regulations, and corporate policies and procedures) from origination through post settlement delivery.
Proactively communicates loan status with the mortgage loan officer and/or customer.
Process loans through underwriting systems and review findings with the underwriter(s) and loan officer; understand pre-qualification guidelines including calculating income and loan to value metrics. Work directly with underwriter to clear conditions.
Arrange loan settlements/closings; notify all related participants, and prepare the completed settlement package for closing.
Review signed settlement papers for accuracy, completeness, and compliance with closing instructions.
Maintain thorough understanding of Conventional, FHA/VA, USDA loan requirements, guidelines, and documentation.
Assist Mortgage Loan Officer in achieving loan goals.
Maintain excellent customer relations and the confidentiality of the customer's personal information.
Remain current and adhere to all regulatory required training.
Attend various mortgage courses or other general banking courses as required.
Gather and compile all loan documents needed from all parties to effectively respond to all mortgage loan requests.
Work with customers and Loan Officer to resolve problems, answer questions, and assist in collection of mortgage payments.
Perform all other duties as assigned.
Commercial Banking Company is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to age, race, gender, sex, religion, national origin, disability, genetic information, sexual orientation, gender identity, pregnancy, veteran status, or any other characteristic protected by local, state, or federal law.
REQUIRED SKILLS, EXPERIENCE, AND EDUCATION
High school diploma or the equivalent
Previous Mortgage experience required
Banking experience preferred
Excellent interpersonal and customer service skills; good social skills
Excellent written and verbal communication skills
Demonstrates a "team" attitude toward the bank and coworkers with a constant focus on improving/protecting the bank
Possesses an attitude of cooperation and a continual motivation to learn
Ability to demonstrate high levels of accuracy and efficiency
Good organizational skills and the ability to multitask efficiently
Ability to handle high call volume and multiple problem-solving situations
Proficient with computers; good technical skills; working knowledge in word processing, spreadsheet applications, and Platform system
Maintains a neat, well-groomed, professional appearance
Maintains a clean work area
Punctual & reliable
All applicants must be able to pass the following screens: Background Credit Drug Screen