Mortgage Loan Processor

Summary Provide service and support to internal and external customers. Mortgage Loan Processors will work directly with Lenders and Loan Administrative Assistants, in conjunction with Compliance and Loan Documentation staff, to ensure loan documents are prepared expediently in accordance with loan policy and regulation. May also be called upon to assist Loan Documentation Staff with loan servicing tasks as needed. Promotes a positive environment in which internal and external customers' expectations are exceeded, teamwork is strengthened, and personal growth is encouraged. Represents the bank in attending civic and community functions. Supports bank event activities including working events on evenings and weekends. Available to work Monday through Saturday.

ESSENTIAL DUTIES

• Regular and predictable attendance and punctuality.
• Creates documents necessary for loan closings using data and documents gathered by front-line loan staff.
• Ensures compliance of loan documents with internal policy and regulations.
• Completes all necessary tickets needed for loan closing.
• Communicates professionally with attorneys and vendors when necessary to ensure expedience in closings.
• Processes rate change in terms for mortgage loans.
• Prepares participation loans.
• Maintain loan documentation files; scan/index files to core system.
• Perform basic loan servicing, balancing and reporting processes.
• Complete lien perfecting and release processes and maintain ticklers for tracking.
• Provide proactive support to lenders and branch staff.
• Troubleshoot and resolve customer loan issues, including processing payments.
• Ensure compliance with regulations, policies and procedures.
• Demonstrate a willingness to adapt to change and deadlines.
• Capable of backing up and supporting all aspects of the department.
• Exhibit a professional, business-like appearance and demeanor.
• Other duties as assigned.

KNOWLEDGE, SKILLS, AND ABILITIES

• Excellent communication skills
• phone, personal contact and written
• Ability to problem solve and make decisions by independently researching and assessing options and resources
• Able to deal with customers, real estate agents, and attorneys in an effective, efficient, and professional manner
• Possess the ability to work as part of a team as well as independently
• Possess good judgment, ability to accept responsibility and handle confidential information
• Ability to work under pressure, in high demand, deadline sensitive atmosphere.
• Ability to be flexible and able to work in a focused multi-task environment.
• Accuracy and Quality
• Ability to achieve a high standard with work processes and outcomes, able to complete task with a concern for all details involved; monitors and checks for precision, clarity and completeness; produces quality results.
• Prioritization/Time Management-Ability to assess multiple tasks or issues which are competing for a limited amount of time or resources and effectively determine order in which each will be addressed; ability to set priorities, goals, and timetables to achieve maximum productivity; ability to track both completed and incomplete activities.
• Verbal Communication-Ability to express ideas effectively and speak clearly as an individual or group situations, adjusting style and methods to meet specific need of the audience; attentively listens to others to gather data and paraphrase meaning to verify understanding.
• Written Communication
• Ability to use correct English grammar, punctuation, and spelling; communicates information (facts, ideas, or messages) in a succinct and organized manner; produces written information which may include technical material that is appropriate for intended audience.
• Team Work
• Ability to work cooperatively with other as part of a formal or informal team to accomplish Bank goals; ability to respect the needs, ideas and contributions of others; ability to contribute to and accepts consensus; ability to subordinate own objectives to the bank or their team. Ability to focus on solving conflict, not blaming; ability to maintain confidentiality.
• Customer Service
• Ability to provide internal and external customers with the highest quality of customer service that meets their needs, in a timely efficient and professional manner; ability to follow up on customer complaints questions or requests.
• Continuous Learning-Ability to take responsibility of own learning and development by acquiring and refining of technical and professional skills needed in job related areas; ability to proactive seek performance feedback and identify approaches to improve own performance.

TRAINING AND EXPERIENCE

• High school diploma or equivalent
• Knowledge typically gained through a minimum of twelve months experience providing customer service in a financial institution or other professional office or organization.
• Experience in processing or servicing loans preferred.

PHYSICAL ACTIVITIES REQUIRED TO PERFORM ESSENTIAL FUNCTIONS

Sitting/Mobility:

Approximately 90% of time is spent working at desk. Balance of time (approximately 10%) is spent moving around work areas.

Communication:

Ability to effectively communicate with co-workers, clients and outside agencies in writing, in person and over the phone.

Vision:

Ability to effectively use a computer screen and interpret printed materials, memos, and other appropriate paperwork.

Lifting/Carrying:

Ability to transport files and supplies (up to 25 pounds)

Stooping/Kneeling:

Ability to access files and stock supplies

Reaching/Handling:

Ability to input information into computer system and retrieve and work with appropriate paperwork, equipment and supplies.

Job Type:

Full-time Benefits:

401(k) 401(k) matching Dental insurance Employee assistance program Employee discount Health insurance Health savings account Life insurance Paid time off Vision insurance

Work Location:

In person