Mortgage Loan Processor - Exp. Required.

Reports to: VP of Finance and Operations

Time Requirements: 40 hours per week

Status: Non-Exempt

GENERAL DESCRIPTION:

The Mortgage Loan Processor is responsible for assisting the Loan Processing Manager to collect necessary documentation from applicants, educate applicants through the closing process including recertifying income and creditworthiness, and assisting in preparing all contract, loan, and closing documentation.

CORE RESPONSIBILITIES: Mortgage Loan Processor

· Collect and verify information for all incoming documents from applicants including credit documentation and monitor program compliance.

· Assist with processing qualification files as needed.

· Notify the Processing Manager of credit or financial issues by completing DTI calculations.

· Provide excellent customer service to future and current homeowners by answering questions and responding to requests about documents and the Closing process.

· Meeting with applicants where necessary to walk them through documents needed or assisting them with signing documents completely and correctly.

· Assist in preparing all necessary disclosures for each closing through the Loan Origination System

· Ensure all documents are scanned and saved to the loan processing server.

· And other duties assigned by the VP or Manager

KNOWLEDGE, SKILLS, ABILITIES:

· Ability to maintain detailed and accurate correspondence logs.

· Exceptionally organized and detail-oriented.

· Advanced in word processing, spreadsheets, and database management

· Ability to quickly learn loan origination software.

· Excellent written and verbal communication skills.

· Solid foundation of mortgage experience

Flexible.

· Knowledge, acceptance and ability to work with diverse populations.

· Ability to communicate with current and future homeowners with compassion and patience.

EDUCATION AND EXPERIENCE:

· 3 years’ minimum experience in loan processing, underwriting or origination preferred.

· Familiarity with loan documents

· Ability to maintain confidentiality.

PHYSICAL REQUIREMENTS NECESSARY TO PERFORM THIS JOB:

· This position will require sitting at a desk for most of the day and the ability to type.

· Throughout the day, employee will move around the office building to perform various tasks and access files.

· This position requires that the individual be on the telephone and at a computer for extended periods of time.

WORK ENVIRONMENT AND CONDITIONS:

· This position is mostly indoors at the Habitat office.