Junior Loan Processor

Job Responsibilities

• Prepare and deliver Initial and Changed Circumstance Disclosures in compliance with TRID requirements, fee tolerances, and investor guidelines.
• Review loan applications for completeness, accuracy, and compliance with mortgage lending regulations.
• Maintain compliance with Fannie Mae, Freddie Mac, FHA, VA, USDA, HUD, RESPA, TILA, HMDA, Regulation B, Regulation Z, and other applicable mortgage regulations.
• Communicate directly with Loan Originators, borrowers, processors, and third-party vendors to obtain required documentation and resolve outstanding items.
• Cook up and manage third-party orders, including title orders and commitments, property surveys, verifications of employment, flood certifications, homeowner’s insurance binders, credit supplements, and payoff requests.
• Verify vendor orders are complete, and invoices are received and uploaded to the loan file.
• Monitor pipeline workflow queues and ensure all turn-time requirements are met.
• Aid with loan setup and processing support functions to help maintain efficient workflow throughout the loan lifecycle.
• Review and accurately calculate simple income.

Qualifications And Skills

• A High School Diploma, GED, or equivalent required.
• 2+ years of residential mortgage experience preferred.
• Experience with mortgage disclosures and compliance with TRID, RESPA, TILA, HMDA, Regulation B, and Regulation Z.
• Experience with Encompass.
• Experience with DU/LP findings and agency guidelines, preferred.
• Understanding of mortgage loan documents and processing workflows.
• Excellent analytical, organizational, and problem-solving skills.
• Excellent communication and customer service skills.
• Excellent prioritization and time management skills, managing a high-volume pipeline.
• Skilled at working independently while collaborating effectively within a team environment.
• Proficient in Microsoft Office Suite and Windows-based systems.

Requirements

This job description is intended to convey information essential to understanding the scope of the job and the general nature and level of work performed by job holders within this job. However, this job description is not intended to be an exhaustive list of qualifications, skills, efforts, duties, responsibilities or working conditions associated with the position.

Benefits

CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, as well as a 401K. We also offer company-provided short-term disability, an employee assistance program, and a wellness program.