Mortgage/Retail Loan Origination Processor

1 month ago

Quakertown, United States QNB Bank Full time

FUNCTION: The Loan Origination Processor is responsible for the processing of consumer and mortgage loans from origination to funding. This position will support the Origination and Underwriting staff by collecting necessary documents and managing the transaction to ensure closing deadlines are met, as well as meeting customer expectations.

GENERAL DUTIES AND RESPONSIBILITIES:

  1. Ensure timely and independent processing of consumer and mortgage files (in compliance with all applicable laws, regulations and Bank policies and procedures) from origination to post closing.
  2. Accurate and timely adherence to the requirements of HMDA, TRID, Reg B and all other retail loan regulations.
  3. Perform initial file review to check for completeness and process loans through vendor Automated Underwriting Systems and Internal Underwriting systems and review findings with the Loan Officer and Underwriter, clear conditions and note stipulations on the commitment letter or loan approval document.
  4. Input loan data according to the loan officer's instructions and assist the loan officer with the calculation of Debt to Income and Loan to Value ratios.
  5. Track and gather necessary documents and clear any outstanding loan conditions in conjunction with the underwriter and loan officers.
  6. Order appraisals, title work, and flood certifications. Send any necessary borrower notifications where applicable, including copies of appraisals.
  7. Complete compliance, loan quality, and fraud detection checks on each borrower.
  8. Accurately and timely maintenance of receipt of loan fees, as well as performing G/L reconcilement of those fees. Send invoices from vendors with GL's to Finance for payment. Reconcile GL and submit to supervisor and Finance.
  9. Update loan files and input updated information in the loan origination system.
  10. Prepare the loan file in correct order for boarding in the loan origination system.
  11. Produce scheduled management reports, including value of pipeline.
  12. Coordinate closings with title companies and customers.
  13. Be accountable for a positive borrower experience.
  14. Maintain open and frequent communication with others in the department to ensure a smooth customer experience.
  15. Assume other job-related duties as requested.
  16. Complete assigned compliance training in a timely manner and demonstrates ability to apply training to duties and responsibilities.
  17. Monitor rate pricing through Freddie Mac and send to Manager. Make applicable changes to rates, indexes, and LOS.
  18. Responsible for positive communication with customer and all other departments of QNB by using Q2 skills.
REQUIRED TRAINING, QUALIFICATIONS, AND EDUCATION:
  1. Thorough understanding of Retail and Mortgage loan requirements.
  2. Ability to demonstrate knowledge of real estate, automobile, and unsecured lending practices including federal and state regulations and compliance with respect to TRID and Regulation Z and other consumer regulations.
  3. Proficiency in Automated Underwriting Systems as well as Microsoft Office, Meridian Mortgage, IDS, and Laser Pro.
  4. Ability to prioritize multiple demands in a high-pressure environment while maintaining professional demeanor, organization and maintaining a pipeline of 30+ loans.
  5. Ability to calculate and apply financial underwriting ratios.
  6. Minimum of 1 - 3 years of experience in secondary market mortgage and consumer loan processing preferred.
  7. Must be able to maintain a high level of accuracy.
  8. Understand loan documentation to assist in pre and post funding reviews.
  9. Possess a high level of interpersonal and communication skills to represent the Bank in a positive manner when dealing with both internal and external customers.
  10. High school diploma or equivalent, some college preferred but not required.
  11. Proactively communicate loan status with the customer and maintain confidentiality of customer information

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