Mortgage Loan Processor

3 weeks ago

Pensacola, United States Gulf Winds Federal Credit Union Full time
Description

Job Description

Pay Range: Starting at $19.33 an hour

Role:

To assist the MLO with the mortgage loan application process. This position will coordinate with the appropriate vendors, contractors or other 3rd parties to initiate the required services for closing of mortgage loans. This position will also prepare mortgage loan documents for underwriting review, and schedule, compile and prepare mortgage loan closing documents.

Essential Functions & Responsibilities:

Orders required documentation including title, homeowner's insurance and flood certification as well as appraisals; reviews all documents to ensure everything received is accurate and compliant.

Reviews approved mortgage loans to determine conditions that must be met prior to closing and assembles documents for delivery to title company, real estate broker, or loan officer for closing.

Reviews residential loan application files to verify that application data is complete and meets Credit Union standards including type and amount of mortgage, borrower assets, liabilities, and length of employment; submits mortgage loan application files for underwriting approval.

Communicates and coordinates with title company and loan officer for closing.

Performs other job-related duties as assigned.

Performance Measurements:

  1. Ensures all loan documents, closing packages and reports are accurate and compliant.
  2. Prepares files for underwriting within established timeframes.
  3. Organizes and completes member loan documents for delivery to title company, real estate broker or loan officer for closing within established timeframes.
  4. Maintains working knowledge of all mortgage products, both within the Credit Union and from the industry as a whole.
  5. Provides informed, professional, and accurate service, communication and support to all members, vendors and co-workers.
  6. Complies with all applicable rules, regulations and policies, including but not limited to BSA, OFAC and Physical Security.

Knowledge and Skills:

Experience: One to three years of similar or related experience.

Education: (1) A two-year college degree, or (2) completion of a specialized certification or licensing, or (3) completion of specialized training courses conducted by vendors, or (4) job-specific skills acquired through an apprenticeship program.

Interpersonal Skills: Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.

Other Skills: Must have good communication skills. Ten key calculator, typewriter and keyboard skills.

Ability to read, write, comprehend, and speak English clearly.

Normally expected to work between 8:00 a.m. and 5:00 p.m. but may be required to work nights and/or weekends.

Must adhere to safety rules and regulations

This Job Description is not a complete statement of all duties and responsibilities comprising the position.

Gulf Winds is an Equal Opportunity Employer. Drug Free Workplace.

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