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Mortgage Loan Processor

2 months ago

Norwood, Massachusetts, United States Peoples Bank Full time
Job Summary

We are seeking a highly skilled Mortgage Processor I to join our team at Peoples Bank. As a Mortgage Processor I, you will be responsible for preparing loans for final decision and ensuring all loan documentation meets product and program guidelines.

Key Responsibilities
  • Prepare all residential loans for final decision, including digitizing, reviewing, and ensuring compliance with product and program guidelines.
  • Order and review appraisal reports to determine loan-to-value ratios and acceptable collateral standards.
  • Address appraisal deficiencies in partnership with appraisal companies.
  • Verify and analyze W2s, personal and business tax returns, and financial statements to calculate debt-to-income ratios.
  • Order and review title reports, title policies, surveys, and endorsements to determine vesting and lien position.
  • Clear title deficiencies in partnership with title companies.
  • Order and review flood searches, UDMs, VOAs, VOEs, and VORs.
  • Fulfill and validate underwriter and LP/DU/DO/GUS conditions.
  • Ensure capture of required signatures and dates of preliminary package documents.
  • Verify and digitize all customer and third-party provided loan documents.
  • Complete data entry and ensure data integrity within the loan origination system.
  • Communicate loan status with mortgage consultants, closers, borrowers, realtors, builders, bank partners, and other participants in the mortgage process.
Requirements
  • Bachelor's or Associate's degree or 2+ years of processing or related mortgage experience.
  • Knowledge of Reg B (ECOA), Reg C (HMDA), Reg X (TRID), and Reg Z (TILA) requirements.
  • Knowledge of Fannie, FHA, VA, and USDA programs.
  • Knowledge of Encompass a plus.
  • Ability to analyze personal and business tax returns.
  • Ability to analyze appraisals and titles.
  • Ability to work in a fast-paced, task-oriented environment.
  • Proficient use of technology.
  • Strong analytical and problem-solving skills.
  • Strong oral and written communication skills.