Mortgage Loan Processor

ASCENTRA CREDIT UNION•Bettendorf, IA

2d•$19 - $24•Onsite

About The Position

The Mortgage Loan Processor exists to receive originated loan files from Loan Officer Staff. Perform processing functions in an efficient and accurate manner in order to prepare the files for submission to Underwriting. Actively communicate with Loan Officers, Underwriters, and Supervisors to address and resolve required underwriting stipulations in order to move the file toward closing while following all policies and procedures.

Requirements

High school diploma or equivalent.
1 year experience in mortgage lending.
2 years’ experience in the financial industry.
Excellent communication and organizational skills.
Pleasant outgoing personality.
Able to run a 10 key calculator.
Ability to perform under pressure.
Thorough knowledge of Credit Consumer laws.
Knowledge of all laws and regulations regarding this position.
Excellent analytical skills.
Ability to sell.
Team player.
Knowledge of credit union operations.
Computer knowledge.
Decision making skills.

Responsibilities

Receive originated loan files from Loan Officers. Organize and upload the documents to Imageflow system ensuring readability and quality of upload.
Contact and communicate with outside business partners including but not limited to insurance agents and closing agents to obtain required information for the loan files while presenting a professional image.
Prepare and submit mortgage loan files for underwriting review and approval.
Collaborate with Loan Officers to satisfy and collect required underwriting stipulations.
Oversee file movement between Loan Officers, Underwriters, and Closing Department with an eye on targeted closing dates and deadlines.
Verify all documentation throughout the loan process for required signatures and accuracy of information in order to be a second set of eyes for compliance and guideline adherence.
Collaborate with loan team to ensure that all pertinent account documentation is complete and accurate.
Prepares and mails approval and denial letters to applicants. Records all data on status of loans.
Actively and thoughtfully communicate with supervisor, planning their goals and development, taking accountability for their actions and striving for excellence.
Promote products and services.
Attend all meetings as required.
Maintain clean and professional work area and appearance.
Maintain positive public relations and promote credit union within the community.
Complete educational programs as required.
Perform the following commitments of service to each and every member at all times: Make a good first impression, be dressed professionally and greet people with a smile and a firm handshake. Keep a smile in my voice as well as on my face. Answer the telephone by the third ring. Call people by name and thank them. Give people my full and undivided attention; focus on the person face to face and on the telephone. Take responsibility for solving the individual's problem instead of referring it to someone else. Deliver on commitments of action(s) to be taken, so excuses won't be necessary. Follow through on necessary action(s) to be sure the problem is solved. Know that what's important is not only who or what created the problem but how the problem can be corrected. Protect confidential information.
Other duties as assigned.