Senior Mortgage Processor

We need to output HTML fragment with sections using

for headings: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. Only include sections that have real specific content. We must not repeat job title as heading. Must not include Job ID etc. Remove boilerplate like EEO, etc. Must preserve all substantive info. We need to parse the posting. Key sections: - About the role: maybe a brief description: "Shore United Bank is a full-service financial institution ...". The posting includes description of bank, then "Shore United Bank is seeking a full-time Senior Mortgage Processor to join our team." That's about the role. Could be a paragraph. - Responsibilities: The "What You'll Do:" list includes many duties. Should be a

• list. - Requirements: "Required Education and Experience: High School Diploma or GED required 2yrs of mortgage processing experience. 2yrs of experience in the mortgage banking". Also maybe "Knowledge of all product types is required." Also compliance training etc. Could be under Requirements or Qualifications. We need to decide. - Qualifications: maybe same as Requirements? The instruction says use headings for sections like About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. We can include both Requirements and Qualifications if distinct. But we can combine if not distinct. However we need to avoid filler. We have specifics: education, experience, knowledge of product types, compliance training, etc. Could be under Requirements. Qualifications maybe not needed. - Skills: maybe "Demonstrates compliance awareness..." etc. Could be skills. But we can also put under Requirements. - Benefits: The posting lists benefits: "Comprehensive benefits package for full-time, permanent employees including health, dental, vision, company-paid life insurance, mental health well-being, company paid short-term and long-term disability, and much more! Paid parental leave 401k savings plan with up to a 4% company match Employee Stock Purchase Plan Education Assistance Employee perks such as: employee banking services, loan discount program, education assistance, career development program, Employee Assistance Program, and wellness initiatives. Opportunity for growth and advancement Paid training program and continuous training sessions throughout the year on various topics Generous paid time off and paid sick time Community involvement opportunities". So we can include Benefits section. - Pay: The posting includes "Compensation: The pay range for this position is $27.50 to $39.25 hourly". So we can include Pay section. - Schedule: The posting includes "Location: Clinton Branch - 8843 Woodyard Road #123, Clinton, MD 20735 Position Type/Expected Hours of Work: Full-time.Non-exempt.Days of Work: Monday-Friday." So schedule: Full-time, Non-exempt, Monday-Friday. Could be Schedule section. We must not include location as heading; but location can be part of About the role or maybe a short p. The instruction: "Do NOT put Job ID / requisition numbers as headings — fold minor metadata into a short

  or drop it." Location is minor metadata; we can include in a short p maybe under About the role or separate paragraph. But we should not create a heading for location. We need to preserve all substantive info. So we need to include the description of the bank, the role, responsibilities list, requirements (education, experience, knowledge, compliance training), maybe skills (like communication, etc.) but we can incorporate. We must not include boilerplate like EEO, E-Verify, etc. Remove those lines. We must not include application instructions (none present). Remove duplicated lines. Now produce HTML fragment. Structure:

  About the role

  Shore United Bank is a full-service financial institution with a rich history dating back to 1876 and over $6 billion in assets, offering innovative financial services with a personal touch. The bank serves Maryland, Delaware, and Virginia through branches and provides a comprehensive suite of digital banking services, as well as trust and wealth management through Wye Trust. Shore United Bank is seeking a full-time Senior Mortgage Processor to join its team.

  Then responsibilities:

  Responsibilities

  • Review and verify new loan information is entered correctly into the Empower system.
  • Upload credit report, SDAT, property taxes, sales contract, etc. to file for initial disclosures.
  • Communicate with borrowers and all parties to request income/asset information.
  • Upload all income/asset information into Empower system.
  • Complete income calculation and rental income sheets (if applicable).
  • Run AUS as needed.
  • Complete the Processing Screen as tasks are requested and completed.
  • Order FHA case numbers, CAIVERS, VA documents, appraisal, final inspections, appraisal reviews, flood cert, tax transcripts, DataVerify, condo docs, verifications of employment, and title work.
  • Submit loans to Underwriting when ready.
  • Document file with loan notes and Incomplete Notices on a regular basis.
  • When loan is approved, communicate with borrowers items needed to close.
  • Once conditions are received, reviewed, and uploaded the loan is sent back to Underwriting.
  • Communicate with closers and title company to schedule closing dates and obtain title work and final items for closing.
  • Request homeowner's insurance policy.
  • Pull soft pull credit report and request verbal verifications of employment within 7 days of closing.
  • For construction loans, send construction docs to Construction Dept for review and approval; upload construction contract, builder docs, appraisal, building permit, HOI (if applicable) to the Construction folder; send draw schedule to borrowers and builders when approved for signatures.
  • If file has flood insurance, complete the Flood Insurance Coverage checklist and obtain second review to verify coverage and policy are accurate and have sufficient coverage.
  • Update locks to clear validation errors and extend locks through Optimal Blue as needed; review lock expiration report daily.
  • Complete a Dead File Checklist and review for all loans that are denied/withdrawn/cancelled; cancel flood certs, document appraisal delivery and Adverse Action if applicable; enter appropriate loan status and review HMDA screen for accuracy and save.
  • Review active pipeline daily to verify file is accurate, up-to-date and current.
  • Perform Quality Control on all files.
  • Review Loans to Close report to verify loans are clear to close as soon as possible and communicate any issues quickly with all parties.
  • Maintain knowledge of all product types; attend training for new products as they become available.
  • Demonstrate compliance awareness by completing all required regulatory and compliance training (e.g., BSA, CRA, ECOA) on or before deadlines, and actively support policies, procedures, and practices that promote risk management, safety, and regulatory adherence.
  • Participate in required training sessions, including training for compliance with BSA/AML policies and procedures.
  • Cooperate with, participate in, and support adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the Bank's compliance with all regulatory requirements (e.g., CRA, BSA, Equal Credit Opportunity Act, SAFE Act, etc.).
  • Perform self‑evaluation in a timely manner.
  • Carry out all other duties as assigned.
  Now Requirements:

  Requirements

  • High School Diploma or GED required.
  • 2 years of mortgage processing experience.
  • 2 years of experience in mortgage banking.
  • Knowledge of all product types required.
  • Ability to complete required regulatory and compliance training (e.g., BSA, CRA, ECOA) on schedule.
  Maybe Skills: but we could skip if not distinct. However we have some skill-like items: communication, attention to detail, etc. But we can incorporate into Requirements or Responsibilities. The instruction says prefer a few substantive sections over many thin ones. So we could combine Requirements and Qualifications into one section maybe "Requirements". But we have separate headings list; we can include Qualifications if we have content distinct. We have "Demonstrates compliance awareness..." etc which is more skill/behavior. Could be Skills. But we already have compliance training in Requirements. Could add Skills: "Strong communication and interpersonal skills; ability to collaborate with lending staff, title companies, attorneys, and other stakeholders; detail-oriented; proficient with Empower system; capable of managing multiple tasks and deadlines." However these are not explicitly stated; they are implied. We should not invent. So better to not add Skills unless explicitly stated. The posting mentions "Communicates with Borrowers and all parties", "Communicate with Closers and title company", "Demonstrates compliance awareness", "Self-evaluation". Those are more responsibilities/behaviors. So we can keep them under Responsibilities. Thus we may not need Skills section. Benefits: we have content. Pay: we have. Schedule: we have. Now we need to ensure we don't include filler like "commensurate with experience". Not present. Now produce HTML. Make sure to not include any markdown fences. Just raw HTML. Let's craft. Check for any duplicated lines: we have many responsibilities; ensure we captured all. Let's list responsibilities from posting: - Review and verifies new loan information is entered correctly into the Empower system. - Uploads credit report, SDAT, property taxes, sales contract, etc to file for initial disclosures. - Communicates with Borrowers and all parties to request income/asset information. - Uploads all income/asset information into Empower system. - Completes income calculation and rental income sheets (if applicable). - Runs AUS as needed. - Completes the Processing Screen as tasks are requested and completed. - Order FHA case numbers, CAIVERS, VA documents, appraisal, final inspections, appraisal reviews, flood cert, tax transcripts, DataVerify, condo docs, verifications of employment, and title work. - Submit loans to Underwriting when ready. - Document file with loan notes and Incomplete Notices on a regular basis. - When loan is approved, communicate with Borrowers items needed to close. - Once conditions are received, reviewed, and uploaded the loan is sent back to Underwriting. - Communicate with Closers and title company to schedule closing dates and obtain title work and final items for closing. - Request homeowner's insurance policy. - Pull soft pull credit report and request verbal verifications of employment within 7 days of closing. - Construction loans require construction docs to be sent to the Construction Dept for review and approval. Processor uploads construction contract, builder docs, appraisal, building permit, HOI (if applicable) to the Construction folder. Sends draw schedule to Borrowers and Builders when approved for signatures. - If file has flood insurance, Processor is to complete the Flood Insurance Coverage checklist and obtain second review to verify coverage and policy are accurate and have sufficient coverage. - Update locks to clear validation errors and extend locks through Optimal Blue as needed. Review lock expiration report on a daily basis. - Processor to complete a Dead File Checklist and review for all loans that are denied/withdrawn/cancelled. Flood certs to be cancelled, file to document appraisal delivery and Adverse Action if applicable. Appropriate loan status to be entered and HMDA screen to be reviewed for accuracy and saved. - Processors review their active pipeline on a daily basis to verify file is accurate, up-to-date and current at all times. - Quality Control performed on all files. - Processors to review the Loans to Close report to verify loans are clear to close as soon as possible and to communicate effectively and quickly with all parties any issues/problems. - Knowledge of all product types is required. - Attend training for new products as they become available. - Demonstrates compliance