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Senior Mortgage Processor

Raymond James Financial, Inc. St. Petersburg, FL
  • Posted: July 25, 2019
  • Full-Time

Sr. Mortgage Processor
Department: Raymond James Bank
Location: Raymond James Bank, Corporate Headquarters: St. Petersburg, FL
Relocation/Telecommuter: Relocation assistance will not be provided; Telecommuting will not be available.
Job Summary & Responsibilities:
Raymond James Bank is hiring an experienced Mortgage Processor to process residential and/or retail loans and prepare all documents in accordance with Fannie Mae and Freddie Mac underwriting guidelines.
The ideal contributor will:

  • Follow established procedures required for loan completion, in accordance with lending compliance rules and stay abreast of changing regulation related to residential lending/mortgage processing.
  • Communicate frequently with members of the Private Wealth Management team, to include loan officers, underwriters, collateral specialists, mortgage and correspondent lending consultants.
  • Recommend solutions to moderately complex problems and refers more complex processing issues to a higher level.
  • Have regular contact with internal and external customers is required to obtain, clarify, or provide facts and information and/or identify, research, and resolve problems.
Essential Duties and Responsibilities:
  • Obtains required documentation and processes more complex loan applications.
  • Orders credit verifications and third party services.
  • Tracks receipt of and reviews post-closing legal documents.
  • Follows up on missing documentation.
  • Verifies loan applications and supporting documents for accuracy and completeness.
  • Prepares and compiles documents for loan closing.
  • Prepares or reviews for accuracy, Good Faith Estimates of Closing Costs, Regulation Z disclosures, and other disclosures required by consumer regulation.
  • Performs initial credit analysis submission via automated underwriting, as requested.
  • Schedules, coordinates loan closings, and clears for disbursement of loan proceeds.
  • Prepares compliance and accounting records and reports, as required by management and regulatory agencies.
  • Performs routine loan calculations.
  • Assists customers with moderately complex inquires or problems.
  • Performs pre-closing, post-closing, or whole loan due diligence review of legal agreements and other closing documents to terms of loan commitment.
  • Maintains currency in loan processing policies and procedures.
  • Performs other duties and responsibilities as assigned.

Knowledge, Skills, and Abilities:
Knowledge of:
  • Intermediate level concepts, practices and procedures of commercial and retail loan processing and documentation.
  • Basic principles of banking and finance.
  • Financial markets and products.
  • Fannie Mae and Freddie Mac Underwriting guidelines
  • Multi-state real estate, closing, and title practices.
  • Federal and State lending laws.
  • Loan origination software packages.
Skill in:
  • Processing more complex loan applications.
  • Verifying loan applications and supporting documents.
  • Preparing loan closing packages.
  • Preparing records and reports.
  • Performing routine loan calculations.
  • Operating standard office equipment and using required software applications.
  • Reviewing and interpreting commercial loan documentation and terms.
  • Reviewing and interpreting residential and consumer documentation and terms.
  • Reviewing and personal financial statements and supporting documents.
Ability to:
  • Read, interpret, analyze and apply information from loan application documents
  • Interpret and apply policies.
  • Organize, manage and track multiple detailed tasks and assignments with frequently changing priorities in a fast-paced work environment.
  • Communicate effectively, both orally and in writing.
  • Work independently as well as collaboratively within a team environment.
  • Handle stressful situations and provide a high level of customer service in a calm and professional manner.
  • Establish and maintain effective working relationships.
  • Maintain currency in loan processing policies and procedures.
Educational/Previous Experience Requirements:
High School diploma and one (1) year of loan processing experience.
~or~
An equivalent combination of education, training or experience
Licenses/Certifications:
None required. Truth In Lending Disclosure (TRID) experience and/or training strongly preferred.
For more information about Raymond James Bank, please visit:
http://www.raymondjamesbank.com/
Raymond James Bank is an EOE/AA and VEVRAA Federal Contractor
Priority will be given to protected veterans
EOE/AA: Female/Minorities/Disabled/Protected Veterans/LGBT
About Raymond James Bank:
Raymond James Bank, N.A. offers innovative and diversified banking products and services to the public and to clients of Raymond James Financial and partners with other institutions for commercial loan business.
By doing so, Raymond James Bank enables its affiliates to go beyond traditional brokerage services by offering clients not only investment products, but also a comprehensive array of personal and commercial banking services.
Raymond James Bank is a wholly-owned subsidiary of Raymond James Financial, Inc. (NYSE-RJF). Raymond James Financial is a Florida-based diversified holding company providing financial services to individuals, corporations and municipalities through its subsidiary companies.
Raymond James Bank is a nationally chartered entity and federally-regulated by the Office of the Comptroller of the Currency.

Job: Banking
Organization: RJ Bank
Title: Senior Mortgage Processor
Location: FL-St. Petersburg-Saint Petersburg
Requisition ID: 1902202
Raymond James Bank is an EOE/AA and VEVRAA Federal Contractor
Priority will be given to protected veterans
EOE Protected Veterans/Disability

Raymond James Financial, Inc.

Address

St. Petersburg, FL
USA

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