Mortgage Loan Processor
- Possesses strong knowledge related to all aspects of residential lending
- Reviews all incoming mortgage and home equity/HELOC applications and determines what documents will be required for efficient processing of the application
- Accurately prepares and sends all required disclosures in compliance with TRID and other applicable regulatory guidelines.
- Processes Change of Circumstances and sends revised disclosures when necessary.
- Ensures the proper and requested documents have been provided before the file is sent to Underwriting
- Communicates and directly assists borrowers throughout the mortgage process.
- Responds to borrower questions and concerns and resolves any issues related to loan documents and e-signing.
- Able to independently perform accurate income assessment and calculations.
- Performs a preliminary underwriting assessment of each loan file to ensure the loan is viable.
- Obtains, monitors and processes incoming documentation, such as credit reports, appraisal reports, flood determinations, tax transcripts, verifications of employment, etc.
- Orders appraisals and title orders.
- Communicates file progress with updates as needed to the loan officer, underwriter and closer.
- Manages their daily pipeline duties with little to no supervision and ensures all contract dates are met.
- Ensure compliance with company policies, underwriting guidelines, and lending program requirements.
- Calculates APR’s for rate changes.
- Promote Polish National Credit Union’s Core Purpose of “Growing Lasting Relationships to Improve People’s Lives” while demonstrating PNCU’s Core Values.
- Responsible for completion of all required compliance training, as well as completion of ongoing compliance training which may be assigned throughout the year.
- Adhere to all credit union attendance policies and standards.
- Abide by all federal, state, and local laws including but not limited to: The Bank Secrecy Act, including the Office of Foreign Assets Control (OFAC) and Financial Crimes Enforcement Network (FinCEN); Uniform Commercial Code (UCC); Federal Reserve Bank; and National Credit Union Administration (NCUA).
- Perform additional duties as assigned.
- Two to five years of mortgage loan processing or related experience.
- NMLS/SAFE ACT compliant.
- Knowledge of lending compliance regulations (Reg. Z, RESPA, Truth in Lending, Reg. B, HMDA)
- Self-starter, self-reliant, dependable, ability to work within and meet specific time constraints.
- Team player with positive attitude and willing and able to work well with others.
- Able to successfully prioritize multiple tasks.
- Experience with the Encompass loan origination system preferred.
- Proficiency in Microsoft Office and Outlook
- Excellent verbal and written communication skills
- Strong interpersonal and communication skills
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