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Form of workThe Senior Mortgage Processor works with conventional, FHA, VA, Non-Conforming and Conforming mortgage transactions.
Responsibilities include but are not limited to:
- Processes a pipeline of complex FHA, VA, Non-Conforming, and Conforming mortgage transactions.
- Ensures regulatory compliance with disclosure and verification requirements.
- Ensures all documents are prepared and finalized in compliance with policies and procedures.
- Opens and processes files: Ordering credit reports, appraisals, and verifications; conducting regular follow-up with outside sources of outstanding documents.
- Reviews and verifies application information to prepare the application file for underwriting.
- Notifying borrowers and applicable other sources of any underwriting decisions and reworking a file as needed.
- Provides excellent customer service to mortgage applicants, both verbal and written, maintaining an open line of communication with the applicant and professional partners throughout the processing period, assisting them with any questions and notifying them of additional information required.
- Provides feedback to management on loan activities based on loan level reporting.
Required Skills:
- Experience with Encompass required.
- Excellent verbal and written communication skills.
- Excellent analytical skills.
- Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists.
- Basic personal computer skills including electronic mail, word processing, spreadsheet, graphics, etc.
- Knowledge of Desktop Underwriter and Loan Prospector or similar software is preferred.
- Must be able to work in a fast-paced environment.
- Must handle multiple tasks simultaneously.
- Must have the ability to prioritize and organize competing assignments.
- Must be detail oriented.
Experience:
- Mortgage Underwriting: 5 years (Required)
- Encompass origination software: 2 years (Required)
This Company Describes Its Culture as:
- Detail-oriented -- quality and precision-focused
- Outcome-oriented -- results-focused with strong performance culture
- Team-oriented -- cooperative and collaborative
