Mortgage Processor

Equity Bank•Wichita, KS

59d•Onsite

About The Position

Jump start your career at Equity Bank! We are currently hiring energetic, team oriented, and community focused individuals to join our team! With a team of best-in-class customer service experts, you'll help to build and expand on client relationships, deliver the banking products and services that meet the unique and individual needs of clients, and create and uphold an atmosphere of superior experience and service. At Equity Bank we'll help you invest in your community through volunteer opportunities which align with our company initiatives and core values. Equity Bank, a full-service, $6 billion community bank, is based in Wichita, Kansas, with 72 bank offices throughout Kansas, Missouri, Arkansas, and Oklahoma. At Equity Bank, you can find exciting opportunities to challenge you, expand your skills, and reward your contributions. Our employees receive competitive compensation and benefits, while working in an atmosphere that encourages personal and professional growth. We're searching for motivated individuals who are passionate about serving others, learning new technologies, and working as part of a team. Equity Bank offers a full range of financial solutions, including online and mobile banking, commercial loans, consumer banking, and mortgage loans, treasury management service, the best solutions for your business, and absolutely zero ATM fees, anywhere. We believe your benefits are an important part of your overall compensation package. We work year-round to ensure that we provide our employees with the most up-to-date, competitive program. We thoroughly evaluate our benefit plans and strive to provide quality benefits that support the physical and financial well-being of our employees and their families. The above statements are intended to generally describe the nature and level of work to be performed by most people assigned to this job. It is not intended as an exhaustive list of all responsibilities, duties, and requirements.

Requirements

Working knowledge of Encompass Loan Operating System (LOS) is a plus
1-2 years Loan Processing/Closing experience (FHA, VA, USDA, and Conventional) with strong agency guideline knowledge
TRID experience
Ability to make decisions in a time sensitive manner
Computer skills, Microsoft Office
Excellent interpersonal skills and professional manner
Knowledge of compliance and disclosure requirements

Responsibilities

Ensure loans are processed and closed in accordance with established agency and investor guidelines, policies, procedures, and clear to close conditions
Order property abstract/title, survey (if appl), appraisals, and other verifications as required
Review documents for accuracy and completeness prior to submitting to underwriting
Manage pipeline daily to ensure deadlines are met
Interact with the Lenders to resolve file discrepancies and, as necessary, request documentation
Act as liaison with borrowers, customers, other bank employees, outside entities to facilitate loan processes
Coordinate the smooth process of the loan closing with the title company and lender to ensure all loans are closed in a timely manner
Complete Processing/Closing Compliance checklist on all loans and upload to loan file
Disburse loan funds by initiating wire amount through bank wire program or disburse by check if needed
Assist in resolution of investor and/or Quality Control requests
Perform all duties in accordance with Equity Bank mortgage standards
Store all loan documents in Loan Operating System (LOS) as received
Review all documents for accuracy
Ensure loans are in accordance with state and federal regulations such as, but not limited to, RESPA, HMDA and Fair Lending Practices
Stay up to date on the changing rules and regulations pertaining to both private and government-insured mortgages
Work in accordance to published department service level agreement
Benchmark of less than 5% error ratio as documented through Quality Control reports, Internal Audits, External Audits and Regulatory Examinations
Employee is responsible for understanding and following the applicable laws and regulations for their job responsibilities including but not limited to Equity Bank Business Ethic and Conduct policy, Bank Secrecy Act, Information security, and Suspicious Activity reporting requirements
Perform other duties as assigned, required, or requested