Mortgage Loan Processor

2 weeks ago

Lake Villa, United States HR Value Partners, LLC Full time
Job DescriptionJob Description

North Shore Trust- Mortgage Loan Processor

Job Function:

Serve as a liaison between the Applicant, Mortgage Loan Officer and the Bank. Responsible for processing mortgage loan applications received from Loan Officers and coordinating services with third-party contractors to complete the mortgage loan. Preparing initial mortgage loan disclosure and preparing mortgage loan closing documentation in compliance with regulations.

Essential Duties:

  • Gather background information on loan applications, researching any discrepancies.

  • Order appraisals, title work, flood certifications, credit reports and other items as necessary to process a mortgage loan together with monitoring timely receipt.

  • Prepare initial mortgage loan disclosure documents within regulatory timeline.

  • Initial review of HMDA entries for accuracy and completeness.

  • Accurately update mortgage loan tracking records.

  • Verify employment, assets and credit history of persons applying for loans.

  • Review title work to ensure lien and ownership information is acceptable.

  • Review appraisal and flood certificates to ensure value and location meet loan requirements.

  • Send out credit notices to spouses when necessary.

  • Stack, review and submit completed files to the underwriting department.

  • Coordinate with Mortgage Loan Officers to gather and clear underwriting conditions.

  • Audit physical and electronic files for completeness and compliance.

  • Prepare loan closing documents.

  • Balance mortgage loan closings and prepare loan closing documents within regulatory timeline.

  • Purge loan files by destroying out-of-date or unnecessary loan documents.

  • Ensure documents are maintained and stored in compliance with policies and regulations.

  • Keeps abreast of changes in policies and procedures, standards, and regulations applicable to NSTS and the mortgage industry.

Qualifications:

Education:

  • High school diploma or general education degree (GED) is required.

  • College degree preferred.

  • Certifications related to Lending and/or Loan Processing desirable.

  • MUST be bilingual in Spanish.

  • Experience

  • 2 years processing mortgage loans.

  • Experience working within the residential, commercial, or consumer loan process a plus.

  • NMLS License

  • Knowledge, Skills, and Abilities

  • Strong attention to detail, with the ability to follow process and maintain a consistent standard of quality.

  • Knowledge of lending products, policies, and procedures.

  • Ability to work as a team player to accomplish departmental goals.

  • Ability to perform independently with accurately under deadline pressures.

  • Ability to effectively communicate with Loan Originators, Loan Underwriters, and customers.

  • Ability to research and determine incomplete, inaccurate, or missing information.

Availability:

  • Primary Availability – Monday thru Friday 8:30am – 5:00pm

  • Secondary Availability – As needed to satisfy loan production deadline.

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