Mortgage Loan Processor

3 weeks ago

Rockville, United States Capital Bank Full time
Description

About Us
Capital Bank N.A. is the fifth largest bank headquartered in Maryland, serving our communities since 1999. We offer commercial and consumer banking services to clients in the DC metro area, alongside two nation-wide lending brands; Capital Bank Home Loans and OpenSky, a credit card division that offers and services credit cards across all states.

Come join a bank where our employees thrive and are engaged in meaningful work. For the third year in a row, American Banker named Capital Bank one of the "Best Banks to Work For" in the U.S.

Position Purpose

The Mortgage Loan Processor works closely with loan originators to process mortgage loans in order to provide a best-in-class customer experience. The Processor receives the application online in and must have the ability to quickly review for accuracy and completeness, advise the LO as to viability of loan at first glance and then must acquire necessary documents to submit to underwriting for final approval.

Position Responsibilities

  • Calculates principal, interest and closing cost amounts and notifies the borrower accordingly.
  • Prepares mortgage loan files by reviewing loan applications and clarifying and/or obtaining additional information.
  • Confirms mortgage loan application information by corresponding with verification sources.
  • Obtains mortgage loan documentation by ordering credit reports, land surveys, building appraisals, titles and related information
  • Identifies mortgage loan application and documentation problems by highlighting deficiencies and notifying the mortgage loan underwriter and/or mortgage loan supervisor accordingly.
  • Calculates principal, interest and closing cost amounts and notifies the borrower accordingly.
  • Processors should be able to disclose new loans, issue COC's and complete the set up function of their loans

Minimum Education & Experience

  • Recent experience in the mortgage industry as an assistant, loan processor or loan officer is required.
  • Must have knowledge of lending terminology and the ability/experience speaking with borrowers regarding lending requirements.
  • Experience processing conventional, FHA and VA loans.
  • Proven customer service ability is required.

Technical Knowledge and Skills

  • Microsoft office software suite (Word, Excel, PowerPoint, etc)
  • Encompass
  • Excellent oral and written communication skills

Other

Ability to travel within a defined market area.

Compliance

It is the responsibility of each bank staff member and of management to adhere to policies and procedures designed to implement compliance with the laws and regulations to which the bank is subject. Each bank staff and management member shall be accountable for understanding how compliance with laws and regulations affects the performance of their day-to-day duties, for completing compliance training as assigned and for carrying out those duties in a manner to achieve compliance with those laws and regulations.

The above mentioned are intended to describe the general nature and level of work performed rather than to be an inclusive list of all duties, responsibilities and skills required for the position. Job duties may be changed at anytime at management's discretion. The job description is not intended to create contractual obligations of any kind.

Additional Details
This position will be a remote role.

Supporting Businesses. Helping People. Strengthening Communities.
Capital Bank, N.A. is an Affirmative Action, E-Verify, & Equal Opportunity Employer.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

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