Sr. Mortgage Loan Processor

GEM Mortgage, a division of Golden Empire Mortgage (GEM) is proud to hold ourselves as one of the most respected lenders in the mortgage industry for over 30 years. The GEM business philosophy holds true that all consumers deserve access to credit, where “our customers are our business” is the cornerstone for excellence.

Golden Empire Mortgage isn't just about mortgages and home lending - GEM is about people, and building lasting customer relationships.

At GEM we understand that the lending process can be intimidating, that’s why we ensure that all of our employees hold to the highest level of client satisfaction. We pride ourselves on integrity, knowledge and state of the art technology all in an effort to provide our customers with excellent customer service and the best rates possible.

Under general supervision of the Branch Manager, the Sr. Loan Processor is responsible for preparing mortgage documents for loan
approval, advising mortgage lenders of needed documents according to established regulations and procedures and working with
the title/escrow company towards “closing.”

Essential job functions

• Set up new files
  - Ordering appraisals
  - Order title commitments, flood certifications, and other property certifications as required
  - Customer contact regarding conditions required on loan approval
  - Send for verifications as needed
• Process active files for final approval
  - Re-submit for automated approval after verification of assets and income
  - After loan approval, call customers and realtors with any conditions
• Issue closing instructions to closing department
  - Order survey
  - Order final inspections
  - Follow up on underwriting conditions still outstanding
  - Check loan amount, interest rate, etc. in computer for accuracy
  - Have evidence of POC’s
• Constantly monitor lock expirations and close dates
  - Inform loan officer immediately of any change in closing date, etc.
• Coordinate closings with title/escrow company
• Follow up on missing conditions
• Other duties as assigned

FLSA Status: Non-Exempt

Minimum requirements

• Advanced knowledge of processing FHA,VA and Conventional loans preferred
• High School or GED required

Knowledge, Skills and Abilities

• Ability to produce detailed and accurate documents
• Ability to communicate effectively
• Ability to work independently without direct supervision
• Ability to perform work timely and accurately in a fast paced office environment
• Organizational ability and problem solving critical
• Ability to use various computer software