Mortgage Processor II

PRIMARY RESPONSIBILITIES

• Process residential mortgage loans across various programs in accordance with bank policies, procedures, and all regulatory requirements.
• Deliver excellent customer service through proactive communication and collaboration with all internal teams and external customers.
• Analyze loan files, including income, asset, and credit documentation, to ensure completeness and accuracy prior to submission.
• Submit loan files through automated underwriting systems (DU – Fannie Mae Desktop Underwriter or Freddie Mac Loan Product Advisor).
• Maintain accurate and complete data within the loan origination systems to ensure data integrity.
• Utilize fraud detection tools to identify discrepancies and resolve issues in a timely manner.
• Act as a primary point of contact for borrowers, employers, appraisal management companies, and attorneys to obtain and clear outstanding conditions.
• Maintain consistent follow-up to ensure all required documentation is received and conditions are cleared.
• Monitor loan pipeline to meet service-level expectations and ensure timely progression from application through closing.
• Collaborate closely with loan officers, underwriters, and closers to meet established deadlines and performance standards.
• Demonstrate strong critical thinking skills by identifying potential risks or issues and escalating properly.
• Thrive in a fast-paced, high-volume environment, while maintaining accuracy and attention to detail.
• Exhibit strong time management and organizational skills to effectively prioritize and meet deadlines.
• Support the bank’s community presence by participating in civic and community functions to promote business development opportunities.

POSITION REQUIREMENTS

• College degree or High School diploma required with 2-4 years of mortgage lending experience. Encompass experience is a plus.
• Excellent communication skills; both written and verbal.
• Must be self-motivated and solution oriented.
• Knowledge and understanding of the residential mortgage underwriting process and loan documentation.
• Candidate must be familiar with state and federal laws governing real estate lending transactions. (Truth-in-Lending, RESPA, HMDA, CRA)
• Microsoft Excel and Word skills required.

QUALIFICATIONS

• To perform this job successfully, an individual must be able to perform each essential function satisfactorily.
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

BENEFITS

• Full time employees also receive a complete benefit package including a generous 401(k), medical benefits, paid time off, and short and long term disability programs.