About The Role

Summary

The Mortgage Loan Processor III position requires outstanding customer service and communication skills

Mortgage loan processors should have an aptitude in math and excellent time management and organizational skills

Attention to detail is essential

The Mortgage Loan Processor III processes and prepares for closing retail mortgage loans (conventional & government, construction, purchase & refinance, portfolio ARMs) under various loan programs in accordance with policies and procedures.

This is a Corporate position which may be located in an available bank division in Texas.

The entry rate for this position is $24.85 + / per hour (calculated for Texas). Click here to learn more about our bank divisions.

All compensation offers are analyzed individually and take into consideration multiple factors including but not limited to geographic location, years of experience, and educational background.

Description

Processes mortgage loan applications, ensuring compliance with regulations, policies, and procedures, within the required timeframe
This includes carefully reviewing the loan application to confirm it has been completed, verifying loan information and accuracy of data in Encompass
Performing preliminary income calculation/analysis, and ensuring all documents are reviewed and signatures are in order prior to submission to underwriting.
Conducts follow-up on third party service orders to ensure information is received in a timely manner
Generates re-disclosures and change in circumstances as necessary
Satisfies underwriting conditions
Ensures file is complete and all requirements are met for loan to close
Coordinate loan closings including delivery of documents to title/escrow company.
Acts as liaison between, originator, underwriter, and closer/funder, to ensure timely closing of the loan, accurate completion of all loan documents, proper and complete signatures, and coordination of closing process.
Responsible for mitigating processing related post-closing deficiencies.
Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control
Must complete the assigned online training courses and achieve a passing score by due date.

About You

Qualifications
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily

The requirements listed below are representative of the knowledge, skill, and/or ability required

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education

Required/Preferred	Education Level	Description
Required	High School Diploma / GED

Experience

Required/Preferred	Experience Level	Description
Required	5 years	Mortgage Fulfillment Experience
Required		4 years Mortgage processing experience.
Required	Expert Experience	Loan platform software such as Encompass, and the ability to learn additional computer applications; HFA and construction procedures.
Required	Expert Experience	Ability to interpret underwriting guidelines and use sound judgment to clear conditions.
Required	Expert Experience	Conventional, FHA, VA, USDA ,and construction loan processing and Loan Policy procedures.
Required	Advanced / Specialized Knowledge	Tax returns to review and determine qualifying income.
Required	Advanced / Specialized Knowledge	DU, LP, and Loan Beam applications/results and how to interpret them.

Would an equivalent combination of relevant education and work experience be considered?: No

License/Certification

Required/Preferred

License/Certification

Description

Required Skills and Abilities

Ability to multi-task and handle complex tasks efficiently
Strong organizational skills.
Strong analytical skills.
Strong attention to detail.
Employee must be trustworthy and possess a significant level of credibility, discretion, and diplomacy.
Employee must be a team player with a passion for customer service and a proven ability to build rapport and work effectively with employees at all levels of the organization.
Employee must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
Employee must be capable of regular, reliable, and timely attendance.
Employee must be capable of interacting calmly and professionally with a variety of people from diverse backgrounds at various levels within and outside of the organization.

Additional Requirements

Travel

Occasional travel required: (less than 10 days per year) by automobile (as driver and passenger), commercial airlines, rental vehicles and public transportation and be able to lodge in public facilities.

Working Conditions

Environment: Indoors, a climate-controlled shared work area.

Corporate Mortgage Processor III

Job Description

See Your Match Score

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