Mortgage Loan Processor
作为抵押贷款处理商，你负责通过审核完成的准确性，建立新的账户和保持贷款记录和文件等活动来处理，管理和收购抵押贷/房地产贷款。作为银行代表，你必须随时呈现积极的专业形象。工作要求 ·需要拥有高中文凭或相应学位 ·需有两至四年的相关经验 ·居住在该银行所需的 TN,VA,NC 和 KY 足迹 ·能力保持并定期表现出专业行为 · 拥有当前的房地产法和程序知识 · 有强大的组织技能 · 自动化和结果驱动的能力 · 能够持续关注客户服务能力 · 具有并展示出优秀的沟通技巧 · 在快速环境中具备多任务的能力 · 拥有一大后续技能 · 适应快速，多需求和不断变化的工作环境的能力 · 对基于 Excel,Word 和 Windows 的应用程序有先进的知识 · 拥有一个强大的分析职责和责任 · 管理贷款管道并确保整个贷款流程中的高效和合规流动 ·管理多个贷款文件，收集和记录客户信息，并确保按时处理抵押贷款 ·保持最新的机构指导方针，内部承包/处理程序和公司政策 ·与生产销售团队合作和沟通的能力以确保最高水平的内部和外部服务。·获得财产和贷款文档所需的文件，包括：就业验证，保险证明，支付，税收备份，信用补充，公寓问卷，服从要求以及标题工作来确保顺利的贷款流程 · 与承包商合作在提出的问题上 · 随时跟踪借款人和供应商，以便及时收到所需的文件 · 保持遵守银行规则和政策和程序，包括"银行保密法 (BSA) "和外国资产控制局 (OFAC) 的要求 · 一贯支持，维护和模拟组织核心价值观和标准 · 完成其他任务根据管理规定。
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POSITION SUMMARY
As a Mortgage Loan Processor, you are responsible for the processing, administering and closing of Mortgage/Real Estate loans through activities such as processing loan documentation by verifying the accuracy of completion, setting up new accounts, and maintaining loan records and files. As a representative of the Bank, you are required to present a positive and professional image at all times.
JOB REQUIREMENTS
- Possess a high school diploma or equivalent required
- Two to four years of prior related experience required
- Reside in the Bank's footprint of TN, VA, NC and KY required
COMPETENCIES
- Ability to maintain and regularly display a professional demeanor
- Possess current knowledge of real estate law and procedure
- Possess strong organization skills
- Ability to be self-motivated and results-driven
- Ability to be customer service-focused on a continuous basis
- Possess and display excellent communication skills
- Possess the ability to multi-task in a fast-paced environment
- Possess extensive follow-up skills
- Ability to adjust to a fast-paced, multi-demand and ever-changing work environment
- Possess an advanced knowledge of Excel, Word, and Windows-based applications
- Possess strong analytical skills
DUTIES AND RESPONSIBILITIES
- Handle the loan pipeline and ensure an efficient and compliant flow throughout the loan process
- Manage multiple loan files, collect and record customer information, and ensure timely processing of mortgages
- Stay up to date on agency guidelines, internal underwriting/processing procedures and Company policies
- Ability to work and communicate with Production Sales Team to ensure top notch internal and external service.
- Acquire the files necessary for property and loan documentation, including the following: verification of employment, evidence of insurance, payoffs, tax transcripts, credit supplements, condo questionnaires, subordination requests, and title work to assure a smooth loan process
- Work with Underwriters on conditions of loans submitted when there are questions
- Follow up with borrowers and vendors for timely receipt of requested documentation
- Maintain compliance with regulations and bank policies and procedures, including the Bank Secrecy Act (BSA) and the Office of Foreign Assets Control (OFAC) requirements
- Consistently support, uphold and model the organization’s core values and standards
- Complete other duties as assigned as determined by management to be reasonable and beneficial
PHYSICAL REQUIREMENTS
While performing the duties of this job, the employee is regularly required to communicate effectively with customers, vendors, management and employees. Regular use of the telephone and email for communication is essential. Remaining in a stationary position for extended periods of time is common. Must be able to accurately gather and process verbal and written information and properly prepare or inspect documents. Good manual dexterity is needed for the frequent use of common office equipment such as computer terminals, calculators, copiers and telephones. Out-of-town or overnight travel may be required.
Originally posted on Himalayas