MORTGAGE PROCESSOR

American National Bank & Trust•Decatur, TX

22h•Onsite

About The Position

Responsible for the processing of residential real estate loans ensuring balance between growth objectives and credit quality objectives of the Bank. Is proactive in problem detection and resolution. Monitors customer service standards by assisting in problem solving and resolution of operational problems. Responsible for ensuring that the Bank complies with required laws and regulations.

Requirements

Ability to read and understand documents such as policy manuals, safety rules, operating and maintenance instructions and procedure manuals.
Ability to write routine reports and correspondence.
Ability to effectively communicate information and respond to questions in person-to-person and small group situations with customers, clients, the general public and other employees of the organization.
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference and volume.
Ability to apply concepts such as fractions, ratios and proportions to practical situations.
Ability to utilize common sense understanding in order to carry out written, oral or diagrammed instructions.
Ability to deal with problems involving several known variables in situation of a routine nature.
Under general direction, working from policies and general directives; rarely refers specific cases to supervisor unless clarification or interpretation of the organization’s policy is required.
Considerable responsibility with regard to general assignments in planning time, method, manner and/or sequence of performance of own work; in addition, the work operations of a group of employees all performing basically the same type of work.
Performs work operations which permit frequent opportunity for decision-making of minor importance and also frequent opportunity for decision-making of major importance, either of which would affect the work operations of medium organizational component and the organization’s clientele.
Relevant processing experience of 1-3 years.
Prior relevant experience in supporting customers with residential/consuming lending limits in the $1-2MM aggregate range as approved by Credit Risk Management.
Outstanding knowledge of mortgage documentation requirements.
Experience with processing jumbo loans and government products such as FHA, VA, and USDA.
Ability to communicate with multiple business partners within the organization.
Ability to handle heavy workload, multitask and meet stringent deadlines.
Superior written and verbal communication skills.
Excellent PC skills.

Nice To Haves

Bachelor's Degree Business Preferred

Responsibilities

Secures verification of all information as reflected on the application and directed by the origination team.
Assist in gathering all loan package documentation from all parties involved in the transaction to upload to the loan package.
Communicate with origination teams daily to provide to update on files and keep them informed at all times on progress, issues, and items needed.
Verifies that all incoming documents are sufficient for qualifying the applicant and update the loan file as new information is received.
Communicates with origination, underwriting, closing, and funding departments regarding file status and remaining items that need attention.
Compiles all necessary documents for loan approval including PMI, VA, FHA, Investor, and permanent loan file requirements.
Regularly update loan applications with most recent, correct information.
Communicates with borrowers, builders, and realtors of each transaction on the status of their loan file.
Orders out files and stays in touch with surveyors, title companies, appraisers, and all parties related to each file to make sure closing deadlines are met.
Orders out file within 24 hours of receiving; this includes sending the origination team a follow up email of documents that are still needed for the file.
Submits file for a full underwrite two weeks before closing to ensure there is ample time to complete conditions.
Performs other related duties as by the Loan Operations Manager and Lead Mortgage Processor.