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Mortgage Lending Specialist

2 months ago

Woodbridge, New Jersey, United States Northfield Bank Full time
Job Overview

Northfield Bank, a comprehensive financial institution, is dedicated to serving the community with a network of branches. Our legacy, which began in 1887, is marked by continuous growth and a commitment to enhancing our offerings and community presence. We pride ourselves on fostering a diverse workforce that empowers employees to achieve their professional aspirations.

Position Title: Mortgage Lending Specialist

Location: Woodbridge, NJ

Role Summary:

The Mortgage Lending Specialist is responsible for managing all facets of residential loan origination and processing. This role involves assisting clients through the mortgage journey from application to closing.

Key Responsibilities:

  1. Act as the main contact for branch staff and referrals, providing training on residential lending products to enhance customer engagement.
  2. Guide clients through the mortgage process, ensuring they receive timely updates on their loan status and addressing inquiries regarding lending products.
  3. Conduct thorough reviews of loan applications in compliance with lending policies and applicable regulations, prioritizing workflow to manage incoming applications effectively.
  4. Collect, review, and validate all necessary documentation, including credit reports and appraisals, ensuring adherence to regulatory standards.
  5. Process residential loans in accordance with established guidelines.
  6. Ensure compliance with relevant regulations including ECOA, FHAct, CRA, FDPA, Reg. Z, TRID, RESPA, and HMDA.
  7. Exercise sound judgment in evaluating documentation while effectively managing risk.
  8. Provide training to bank staff on residential lending policies and products.
  9. Maintain comprehensive documentation for all credit files related to residential loans.
  10. Collaborate with various departments to enhance product delivery.
  11. Assist in the underwriting and processing of additional residential loans as needed.
  12. Maintain confidentiality of sensitive business and client information.
  13. Adhere to all relevant bank policies and procedures.
  14. Perform additional duties as assigned.

Additional Information: Occasional travel may be required for business meetings or training.

Qualifications:

  1. In-depth knowledge of loan processing procedures and current mortgage insurance requirements.
  2. Extensive understanding of regulations including ECOA, FHAct, CRA, FDPA, Reg Z, TRID, RESPA, and HMDA.
  3. Ability to demonstrate sound judgment while effectively managing risk.
  4. Strong productivity skills, consistently meeting workload demands and deadlines.
  5. Attention to detail, ensuring accuracy in all work.
  6. Excellent interpersonal skills, maintaining a positive attitude in customer interactions.
  7. Professional demeanor, setting a high standard in work performance and interactions.

Northfield Bank is an Equal Employment Opportunity Employer, welcoming applicants from diverse backgrounds.