Processor (US Based)

Role and Responsibilities: ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

• Perform loan processing administrative items including file setup, preparing image flow, appraisal/title/survey ordering, 4506 execution, flood certifications, income analysis and credit verifications.
• Maintain confidentiality of all file information to ensure the integrity of the Branch.
• Assist Loan Officers with setup on loan files. Assist the Loan Officer in monitoring of lock expirations and lock management. Communicate as necessary to ensure no locks inadvertently expire.
• Request any missing or additional documentation needed from customers, realtors or loan officers. Review each file to ensure RCD’s (Required Closing Documents) are in order.
• Submit file to underwriting for review.
• Upon receiving the file back from underwriting, collect any conditions needed on the file and resubmit as necessary.
• Maintain excellent communication between customers, Loan Officers, funders and all other parties involved in each loan transaction to provide a superior level of customer service.
• Other duties as assigned.

This job has no supervisory responsibilities.

Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience: High School Diploma/GED; one to three years of experience in the mortgage industry and familiarity of documents included in the loan credit package.

Skills: Ability to effectively present information, both orally and written, and respond to questions from managers, clients, customers, and the general public.

Ability to use Microsoft Office Excel and Word at beginner level. Able to send and receive emails. Able to use a calculator to calculate figures and amounts such as discounts, interest, commissions and percentages.

Able to multi task in a fast-paced environment, striving for 100% accuracy on every file. Must keep records neat and organized to ensure clear representation of work. Must be able to adapt to change in the work environment and is able to deal with frequent change, delays or unexpected events. Strong problem- solving and decision-making skills. Ability to manage multiple tasks/projects and deadlines simultaneously.

Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to sit and use hands to finger, handle, or feel. The employee is occasionally required to stand, walk, and reach with hands and arms. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, and ability to adjust focus.

Comments: This job description is an outline of the major recurring responsibilities of the job. It is not intended to be all-inclusive of the work to be performed. Other related job objectives, special assignments and less significant responsibilities will be performed by the incumbent(s).