Job Description
About the position
Ensures timely and accurate processing of residential mortgage loans by preparing and verifying documentation and monitoring data flow. Manages a dynamic loan pipeline with efficiency and accuracy, assists in completing the mortgage process, and supports operational excellence through process improvements and exceptional customer service.
- Responsibilities
- Guides residential mortgage loan applicants through the application process with professionalism and confirms the accuracy and completeness of data received, including employment, income and assets.
- Focuses on timely processing of loans and commitment issuance while maintaining adherence to the department turn time expectations and communication standards.
- Prepares and delivers re-disclosures within applicable regulatory timeframes.
- Orders and tracks third-party documentation including appraisals, credit reports, verifications of employment and deposit, flood certifications, and any other required items.
- Prepares files for the underwriter, ensuring all conditions are met and all necessary information is readily available for review.
- Drafts and sends standard loan correspondence and commitment letters under direction of the underwriter.
- Resolves issues with third-party vendors to ensure timely and compliant loan closings in accordance with internal policies and regulatory requirements.
- Provides prompt, knowledgeable responses to customer inquiries and offers guidance when needed to assist the processing team in resolving off-track loans.
- Identifies and recommends process enhancements to improve efficiency, accuracy, and customer satisfaction.
- Updates loans statuses regularly in required systems to ensure transparency across all relevant business channels.
- Maintains strict confidentiality of all customers, financial, and bank-related information.
- Provides the highest level of customer service in a positive and courteous manner to colleagues, clients and the community.
- Requirements
- Proven ability to manage a large, dynamic pipeline of mortgage loans.
- Outstanding communication and customer service skills.
- Strong analytical skills and attention to detail.
- Highly proficient in Microsoft Office Suite and mortgage industry software with the ability to learn new applications.
- Ability to perform multiple tasks and manage workflow in a fast-paced, deadline-driven environment.
- In-depth knowledge of state and federal lending regulations.
- Associate Degree in Business Administration or equivalent years of experience.
- 2 years of residential mortgage loan processing experience.
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