Senior Mortgage Loan Processor

1 month ago

Omaha, United States Access Bank Full time
Job Details

Level
Experienced

Job Location
Mortgage Center - Omaha, NE

Position Type
Full Time

Education Level
4 Year Degree

Salary Range
$21.15 - $31.73 Hourly

Travel Percentage
None

Job Shift
Day

Job Category
Banking

Since opening our doors in 2007, our aim has always been to establish ourselves as Omaha's leading community-focused bank. For ten consecutive years, B2B Magazine has recognized us as the "Best Bank," a distinction complemented by five Excellence Awards from the Omaha Chamber of Commerce. Our commitment extends beyond banking; we have contributed over $1.12 million to support more than 353 local organizations and non-profits.

As a local community bank, we rank as a top ten bank in our market and have been recognized as a 'Best Bank to Work For' by American Banker. We are passionate about delivering high-touch experiences to our clients, shareholders, and, most importantly, our employees. Our dedication to exceptional service and approaching everything with integrity and professionalism contributes to our continued growth and overall success.

At ACCESSbank, our employees are the difference. We are committed to their success by offering competitive salaries and benefits, providing opportunities for personal and professional growth, and fostering an environment where people want to work.

Why Join ACCESSbank:

  • Community Focused: We are committed to the communities we serve by organizing volunteer and service opportunities, supporting employee stewardship with paid volunteer hours, and supporting organizations and individuals through donations and sponsorships.
  • Local Ownership: As a locally owned bank with no majority ownership, we make decisions based on what is right. We are agile, flexible, and deliver customized solutions tailored to our clients.
  • ACCESSway Experience: Everything we do is aligned with the principles of our 'ACCESSway,' ensuring a consistent commitment to excellence, unwavering client satisfaction, and seamless collaboration within our organization.
Ready to jump into a new opportunity? ACCESSbank is hiring for a Senior Mortgage Loan Processor.

Primary responsibilities will include:
  • Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees.
  • Establishes and maintains a close working relationship with mortgage loan officers, title companies, contractors, builders, appraisers, real estate agents and other real estate industry professionals; works with mortgage loan officers and other Bank personnel to create solutions for problems that arise during processing.
  • Alongside the mortgage loan officer, performs borrower prequalification assessment and analysis of financial condition; carefully assesses and evaluates the risk of financing requests within the framework of the Bank's credit culture and current economic and industry trends; orders and reviews credit and insurance reports, flood zone determinations, title searches and site inspections or Appraisals; ensures the Bank's collateral position can be appropriately achieved and protected.
  • Orders and obtains credit and insurance reports, flood zone determinations, title searches and reviews site inspections or Appraisals; ensures the Bank's collateral position can be appropriately achieved and protected.
  • Requests and obtains relevant information and documentation required to properly make informed lending decisions on Special Improvement Districts (SIDs), Planned Unit Developments (PUDs), and Homeowner Associations (HOAs); obtains the assistance of the Bank's legal counsel as needed and/or required.
  • Reviews and corrects potential problems during the mortgage loan approval process, such as issues related to credit history, nonconforming appraisals, policy exceptions, etc.
  • Coordinates processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing of loans within his or her portfolio.
  • Works directly with the customer to satisfy conditions needed to obtain an underwriting decision, communicating with all parties as needed to include the mortgage loan originator, mortgage loan underwriter, mortgage loan closer, and Realtor when applicable.
  • Develops and maintains an advanced knowledge of financial industry, economy, market conditions, rates, vendors and competition; remains informed of trends and developments in local market and changes to regulations governing private and government issued mortgages; assimilates new government regulations and applies this knowledge to improve and maintain quality and consistent underwriting.
  • Responds to inquiries or refers inquiries to the appropriate department or person, and exhibits the necessary follow through with customers and/or staff involved.
  • Consistently applies superior decision making techniques pertaining to inquiries, approvals and requests as they apply to existing policies and procedures, keeping within assigned approval limits and using these instances as learning tools for employee development.
  • Assumes responsibility for special projects; gathers data and prepares reports for Management, audits and other personnel.
  • Processes, solves and answers complex customer transactions, problems or inquiries.
  • Answers telephones, answers questions and directs callers to proper Bank personnel.
  • Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
  • Serves as the first point of contact on loans to advise, guide and facilitate active movement of loans.
  • Maintains onboarding program for new clients that have multiple touch points to ensure a high level experience to clients and industry partners; educates clients of ACCESSbank Products to increase retention rates among complete clients.
  • Alongside the Mortgage Loan Officer, ensures maintenance of consistent file management, documentation and loan administration practices.
  • Engages in business development activities and solicitation of new business; actively involved in instilling and maintaining a positive sales environment through education of the Bank's products and services; attains established individual, department, regional and Bank sales goals; cross sells other banking products and services, referring customers to appropriate staff as indicated.
  • Demonstrates knowledge of and adherence to Equal Employment Opportunity (EEO) policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action.
  • Assures compliance with all Bank policies, procedures and processes, and all applicable state and federal banking laws, rules and regulations; adheres to Bank Secrecy Act (BSA) responsibilities that are specific to the position.
  • Completes administrative tasks correctly and on time; supports the Bank's goals and values; benefits the Bank through outside activities.
  • Performs the position safely, without endangering the health or safety to themselves or others and will be expected to report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all rules, regulations and orders issued pursuant to the OSHA Act of 1970, which are applicable to one's own actions and conduct.
  • Works closely with the Credit Administration department of ACCESSbank.
  • Attend and complete all ACCESSbank required training.
  • Maintain current and thorough knowledge of all lending programs, policies, procedures and regulatory requirements.
  • Perform all job functions in accordance with ACCESSbank policies and procedures.
  • Model ACCESSbank core values daily.
Qualifications:
  • Bachelor's degree (BA) or equivalent from a college or university;
  • 6 years related experience and/or training; or the equivalent combination of education and experience. Work related experience should consist of a mortgage lending (FHA, VA, conventional, etc.) and financial analyzing background. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related.
  • Registered with the Nationwide Mortgage Licensing System and Registry as a mortgage loan originator in accordance with the Secure and Fair Enforcement for Mortgage Licensing Act (the "SAFE Act").
  • Intermediate knowledge of mortgage loan origination, underwriting, documentation and processing.
  • Intermediate knowledge of the appraisal experience and/or formalized training.
  • Basic experience, knowledge and training in all lending activities and terminology.
  • Basic experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas.
  • Basic knowledge of related state and federal lending and compliance regulations, and other Bank lending policies.
  • Ability to develop marketing and business development skills with customers.
  • Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures.
  • Excellent organizational and time management skills.
  • Basic skills in computer terminal and personal computer operation; host computer system; word processing, spreadsheet and specialty software programs.
  • Intermediate typing skills to meet production needs of the position.
  • Intermediate math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.
  • Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, train personnel, write reports, correspondence and procedures, speak clearly to customers and employees.
  • Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
  • Ability to work with minimal supervision while performing duties.
  • The incumbent in this position must be able to accommodate to reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks, and constant interruptions.
  • Current driver's license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities.
Perks & Benefits:

Benefits are a vital component of your overall compensation package. We are delighted to provide a comprehensive array of valuable benefits to safeguard your health, support your family, and enhance your overall well-being. Our benefits include:
  • Medical, (2 plan options), Dental and Vision Insurance
  • Company-provided Life and Accidental Insurance with voluntary buy-up option
  • Company-provided Disability Insurance
  • Flexible Spending Accounts - Medical and Dependent Care
  • Health Savings Account
  • Voluntary benefits - Critical Illness and Accident Insurance
  • Employee Assistance Plan
  • 401k plan w/ a generous company match and immediate vesting after each pay period
  • Paid Time Off
  • Voluntary Time Off
  • Student Loan Repayment Program
  • Continued education and additional career development opportunities


ACCESSbank is an EEO Employer/Vet/Disabled

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