Mortgage Loan Processor

1 day ago

Fairfield, New Jersey, United States Kearny Bank Full time
Job Summary

Kearny Bank is seeking a highly skilled Mortgage Loan Processor to join our team. As a Mortgage Loan Processor, you will be responsible for processing 1st and 2nd mortgage loans in accordance with established policies and procedures and applicable guidelines.

Key Responsibilities
  • Loan Review and Processing: Review loans in process daily, prioritizing files according to mortgage contingency dates and rate lock expiration dates.
  • Document Verification: Perform a diligent and thorough review of income, credit, and asset documents to determine eligibility.
  • Customer Communication: Initiate a welcome call and missing items letter within the designated Service Level Agreement (SLA) from receipt of the loan file.
  • Agency Income Calculation: Complete applicable agency income calculation forms accurately.
  • Service Ordering: Order services required for the loan process, such as flood certification, appraisal, and automated underwriting.
  • Follow-up and Status Updates: Provide follow-up on a consistent basis with originators, borrowers, the closing department, and agents to complete processing.
  • Loan Status Updates: Respond to inquiries from originators, agents, the closing department, and borrowers regarding the status of loans in process.
  • Loan File Maintenance: Maintain an accurate and complete continuing history of the loan file via conversation log entries.
  • Loan Re-disclosure: Re-disclose the loan in compliance with applicable changed circumstances.
  • Documentation Gathering: Gather various documentation deemed necessary by underwriting and organize/file appropriately for use by the department.
  • Disclosure and Notification: Send necessary documents, such as disclosures, revised disclosures, consumer explanation letters, commitment letters, and flood notices.
  • Communication and Issue Resolution: Correspond with borrowers, loan officers, and underwriters to keep the process moving and resolve any outstanding issues.
  • Loan Origination Software: Maintain a complete paperless file through the loan origination software accurately.
  • Loan Status Updates and Compliance: Maintain the status of all files in process and update as needed; keep abreast of all FHA, VA, and conventional guidelines and changes that may affect loan status.
Requirements
  • Education: High school diploma or equivalent required, bachelor's degree preferred.
  • Experience: Two to four years related experience or equivalent.
  • Knowledge and Skills: Thorough working knowledge of real estate documentation, policies, compliance, and procedures; high level of proficiency with mortgage loan processing and underwriting systems; excellent written and oral communication skills; MS Office Suite proficiency; experience with Encompass preferred; excellent customer service skills.

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