Home Loan Processor

Position

Home Loan Processor

Job Code-3239

req5210

Peachtree City (Wisdom Rd.)

Full Time

Job Description

Delta Community is one of the largest and fastest growing credit unions in Georgia. Our rapid growth has created additional career opportunities within the organization. We are looking for energetic, flexible, and service oriented individuals for the following position.

The Home Loan Processor is responsible for reviewing and verifying mortgage loan documentation related to residential first and second mortgages. The Home Loan Processor must apply knowledge of Fannie Mae and Delta Community Credit Union underwriting guidelines and federal and state mortgage compliance regulations in the accurate and timely processing of each mortgage loan file. They must efficiently prioritize tasks and effectively communicating with other Residential Lending team members, third party vendors, and all borrowers is an integral part of this position.

Practices safety-conscious behaviors in all operational processes and procedures.

Essential Functions :

• Review and verify all documentation in mortgage loan file including information related to calculation of income, assets, liabilities and the credit report of each borrower.
• Initiate and follow up on requests for required documentation such as appraisals, title reports, flood certificates, home owner's insurance, verification of employment, tax transcripts, fraud checks, mortgage insurance certificates and other applicable documentation.
• Ensure mortgage loan files meet underwriting submission guidelines for Fannie Mae, Delta Community Credit Union, or various industry investors.
• Submits mortgage loan files for underwriting approval using Fannie Mae Desktop Underwriter or manual underwriting methods.
• Responsible for maintaining current policies, guidelines, and compliance related to federal and state mortgage regulations, mortgage insurers, investors, and Delta Community Credit Union.
• Maintains ongoing lines of communication with internal team members, third party vendors, and borrowers by answering questions regarding loan qualifications, approval, or denial of each mortgage loan file.
• Ensure specified closing timelines are met on each mortgage loan file.

Other

Position may offer work from home opportunities, pending specific performance and departmental needs.

Job Qualifications

Must be legally authorized to work in the United States without the need for employer sponsorship, now or at any time in the future.

Required Minimum Qualifications :

Preferred Qualifications :

Employee benefits include :

PDN-9d175216-e030-4687-a3a2-1420d46692e6