Mortgage Processor

Mortgage Processor Martinsburg, WV, US Classification: Non-exempt Reports to: Manager of Mortgage Loan Operations Summary / Objective Responsible for processing all secondary market and in‑house portfolio loans which includes gathering documents from borrowers, reviewing and/or preparing disclosures, ensuring application is complete and accurate, ordering all necessary reports for the file, and submitting to underwriting. Essential Functions Process secondary market and in‑house portfolio mortgage loans. Prepare or review disclosures to TRID guidelines. Act as a liaison between underwriter, loan originator and client. Provide originator with timely and periodic status updates of their loan application. Return all inquiry calls within one business day. Collect required documentation from originator and client and follow up on missing items. Establish, maintain, and update files, databases, records, and/or other documents for recurring internal reports. Order title reports, verifications, flood certificates, and appraisals. Analyze AUS with credit reports, income, and asset documentation. Ensure that all customer files are complete and in compliance with regulatory guidance and internal policies. Ensure customer privacy and security of files. Index documents to Document Imaging System. Prepare denial letter(s), withdrawals, and cancel files when necessary. Process the documents received for each file, verifying the accuracy and completeness of each document. Participate in regular process/system reviews to support ongoing improvement. Other Duties Other duties as assigned. Skills / Abilities Excellent customer service in person and on the phone. Ability to handle stressful situations in a calm and courteous manner. Strong verbal and written communication. Excellent record‑keeping and file management skills. Knowledge and experience using MS Word, Excel, Outlook. Supervisory Responsibility This position does not have supervisory responsibilities. Physical Demands Manual dexterity; ability to lift files and open cabinets; bending, stooping or standing as necessary. Travel Limited local travel may be required. Education and Experience Associate’s Degree preferred. Knowledge of basic lending, real estate contracts and language, foreclosure, short sales, and delinquent accounts. Understanding of all mortgage loan products (FHA/VA/CONV/USDA/In‑House) and knowledge of mortgage procedures, processes and documentation requirements. Knowledge and experience using AUS, MS Word, Excel, Outlook. Knowledge of basic accounting processes and procedures. #J-18808-Ljbffr