Our employees enjoy working in a friendly, collaborative and professional environment. We first consider our high-performing, qualified employees for internal job opportunities. We recognize employees who identify and master challenges. We are an EEO/AA employer: women, minorities, the disabled and veterans are encouraged to apply.
As a full-time employee you will receive 10 paid holidays, generous vacation (15 days in the first year), sick leave, health, life and dental insurance, flexible spending or health savings accounts, access to supplemental life/AD&D insurance and disability benefits, discounted banking services, and a 401(k) plan with an employer match.
The Mortgage Division works together to have fun while making a positive impact within our local communities. We strive to provide professional and friendly service while exceeding the expectations of our customers as well as our marketing and referral partners.
POSITION SUMMARY
This position requires 12-24 months lending experience and is responsible for processing of mortgage loan files and pre-underwriting prior to submitting for final underwriting. Good organizational skills, along with substantial knowledge of guidelines and procedures for all types of mortgage loans offered by the bank, are critical. Interpersonal skills are critical as this position is customer and Realtor focused and also works with other staff within the department. This position requires face to face and phone interaction with customers and referral sources. The incumbent must be able to communicate with these individuals with respect, courtesy, and appreciation for doing business with the bank. Incumbent must demonstrate knowledge of the industry in terms of laws and regulations including the Bank Secrecy Act relative to the job responsibilities.
ESSENTIAL DUTIES AND ACCOUNT-ABILITIES
1 Open loan application files within designated time frame and update LOS daily to ensure accuracy of reporting. Gathers necessary documents to process loans and analyzes credit, capacity and collateral to investor requirements.
2 When additional information is needed from borrower, Loan Originator, or Realtor the Processor is to be proactive in contacting necessary parties to obtain information to insure commitment and closing dates are met.
3 Responsible for completely pre-underwriting loans utilizing Underwriting Condition Sheet and AUS findings prior to submission for final underwriting. Proactively researches investor guidelines to ensure accurate processing of the file.
4 Accountable for delivering a complete file to closing with all prior to closing conditions cleared in a timely manner and the necessary pre-closing documents requested.
5 Responsible for clearing suspense issues and responding to Quality Control issues related to their job function.
6 Effectively communicate with team members and liaison between departments to ensure timely and accurate processing of loans; find resolutions to issues that arise with both internal and external customers treating all clients with respect.
7 Responsible for assisting other departments and fellow team members with their workloads to ensure a smooth flow of production of loans, which are eligible for sale to investors.
COMPETENCIES - REQUIRED KNOWLEDGE AND SKILLS
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 can be made to enable individuals with disabilities to perform the essential functions.
- Must show strong initiative and be flexible and adapt to change quickly
- Must have strong problem solving and critical thinking skills
- Effectively manage multiple tasks in a fast paced working environment
- Communicates in a positive and professional manner at all times
- Exercise independent judgment and ability to work independently
- Participate in proactive team efforts to achieve departmental and company goals.
- Comply with all safety policies, practices and procedures.
- Report any potential or actual violations of such policies, practices or procedures to VP – Mortgage Compliance
EDUCATION , EXPERIENCE, AND CERTIFICATION REQUIREMENTS
A minimum of High School Diploma or equivalent required. Some college preferred. Requires a minimum of 1-2 years of recent mortgage lending experience or related field. Must be reliable, detail oriented and hard working individual. We require at least one year of experience as a Processor, Underwriter or similar position in the Residential Mortgage Industry.
ENVIRONMENTAL FACTORS AND CONDITIONS / PHYSICAL REQUIREMENTS
Must be available and able to work during regular Office Hours: 8:30 a.m. to 5:00 p.m. Monday through Friday in the posting Branch's location / office / building. Requirements include being able to sit and work for extended periods of time on a computer. Must possess the ability, with or without reasonable accommodation, to initiate or respond, orally or in writing, to requests for information received verbally or in writing from internal or external sources. Must possess the ability, with or without reasonable accommodation, to input and retrieve information by using the keyboard and number pad of a personal computer.
KEY COMPETENCIES AND BEHAVIORS
1 Professionalism / Dependability / Quality of Work: Works effectively under pressure, ability to maintain work volume and accuracy, carry out instructions and fulfill responsibilities acceptably Treats co-workers and others with respect and shows a willingness to cooperate; exhibits sincerity with others to achieve objectives Receptive to constructive feedback, accepts and responds to change in a positive manner Adheres to attendance & punctuality guidelines, observes prescribed work break/meal periods
2 Job Knowledge / Ongoing Skill Improvement: Knows and demonstrates a clear understanding of all work instructions, processes, equipment and materials required to perform the job function. Consistently attempts to expand knowledge; accepts assignments and additional duties willingly and takes responsibility for own performance
3 Customer Focus (internal and/or external) / Attitude: Knows and properly identifies customers/clients including co-workers, subordinates, superiors, and/or outside contacts. Communicates effectively; shares information appropriately, timely with tact and diplomacy
4 Time Management Skills / Initiative / Quantity of Work: Sets and carries out priorities exhibiting proper time management; completes assigned work efficiently in established time frame Exhibits logical and creative problem solving skills, makes sound and intelligent decisions and appropriate choices; considers current workload
