Mortgage Investor Delivery Specialist Position Available In Volusia, Florida

Mortgage Investor Delivery Specialist Mainstreet Community Bank of Florida Holly Hill, FL 32117

Reports To:

Mortgage Division Manager FLSA Status :

Salary – Non-exempt Position Summary Responsible for submitting and delivering mortgage loans to Investors in the Secondary Market, disclosing, processing and closing mortgage loans. Specific Job Functions & Responsibilities Submission and Delivery of Secondary Market loans to various investors by their individual delivery guidelines and requirements Review underwriting conditions received from Investor. Review conditions with MLO to ensure responsibility for clearing condition Review loans that are assigned to you for accuracy of information that was entered into the LOS Knowledge of Truth In Lending and RESPA Regulations in reference to disclosing fees to borrowers – TRID Prepare and disclose initial disclosure package and inform MLO to notify borrowers Process file to include ordering of required title documentation, credit documentation and underwriting conditions. Review receipt of documentation for accuracy. Assist MLO with clearing conditions and preparing to schedule closing date Strong communication skills required to interact with appraisers, surveyors and title agent to obtain quote for fees Ability to scan documents to the image system and bundle these documents for delivery to the Investor Prepare Pre – Closing Disclosure, Final Closing Disclosure and closing package in preparation for loan closing, working closely with closing agent Responsible for preparing the pre-closing documentation to present for funding of the loan – accuracy of funds to be wired to the closing agent Review of funding documents on day of closing to ensure all documentation is signed and notarized property and authorize release of funds Ability to cross train with other job duties/responsibilities within the mortgage department Other duties as required by Department Manager Must complete all required annual training Follow required federal and state regulations and related internal policies and procedures Required Skills/Abilities Knowledge of Investor loan programs and guidelines for both Conventional, FHA, VA, USDA and Jumbo. Knowledge of both Fannie Mae and Freddie Mac automated underwriting systems, Desktop Underwriting (DU) and Loan Prospector (LP). Education/Experience Required Must have a high school education, experience in loan origination including processing and closing mortgage loans. Compliance All associates have a responsibility to understand the Bank’s BSA/AM Program, the procedures outlined in it, and to follow the Program and procedures in carrying out their duties. When an associate has supervisory responsibilities, he or she will make certain that his/her staff understand the responsibilities to comply with applicable regulatory issues and internal programs, policies and procedures. Any associate that fails to adhere to the BSA/AML Program or commits other violations of the Code of Conduct may be subject to disciplinary action up to and including termination. Physical Demands The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This is an on-site position. Must be willing and able to travel to all branch locations. While performing the duties of this job, the employee is regularly required to sit, stand, use hands to finger, handle or feel, reach with hands and arms, and talk or hear. The employee is frequently required to stand and walk. The employee must occasionally lift and/or move up to 10 pounds. Vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus. Notice Requirements are representative of minimum levels of knowledge, skills, and/or abilities. To perform in this position successfully, the employee will possess the abilities and aptitudes to perform each task proficiently. Ability means to possess and apply both knowledge and skill. This position description has excluded the marginal or peripheral functions that are incidental to the performance of primary functions. All requirements are essential to the function of the position. This position description describes the minimum selection requirements to qualify for the position. However, promotion and other employment decisions are also based on Bank needs, being in good standing, fully competent performance, and other non-discriminatory issues. All requirements are subject to possible modification to reasonably accommodate individuals with disabilities. Some requirements may exclude individuals who pose a direct threat or significant risk to the health and safety of themselves or other employees. This position description does not create an employment contract, implied or otherwise than an “at will” employment relationship. •This job description does not list all of the functions of the job. Management often assigns additional duties. This job description may be revised at any time.

EOE/VET/Disability Job Type:

Full-time Benefits:

401(k) 401(k) matching Dental insurance Employee assistance program Flexible spending account Health insurance Life insurance Paid time off Tuition reimbursement Vision insurance

Schedule:

8 hour shift Day shift Monday to

Friday Work Location:

In person