Mortgage Loan Processor

We are seeking a detail-oriented Mortgage Loan Processor to join our team! This is an in-office position at our Grand Rapids office. Candidates with prior mortgage processing experience are strongly preferred. The Loan Processor is responsible for processing a residential mortgage loan from contract to closing, while acting as a liaison between the loan origination team, the Underwriter, the borrower(s), and the closing department. The Loan Processor reviews all borrower information and documentation, with the foresight and knowledge of underwriting requirements. In addition, they review all underwriting conditions, request additional documentation from involved parties, submit, clear, and coordinate the loan for closing. Essential Duties & Responsibilities:

• Manage and prioritize a pipeline of loans, based on closing date and lock expiration.
• Meet all closing dates.
• Communicate clearly with the borrower and Realtor, using the most effective medium to obtain additional information/documents and answer any questions or concerns throughout the whole process.
• Review and validate loan documentation (applications, credit, income, assets, property documents, title, etc.) for each loan file.
• Take initiative to investigate, research and solve any issues that may arise.
• Verify loan packages for accuracy, borrower signatures and anticipate underwriting conditions required for the loan.
• Submit loans to underwriting for approval and clear to close.
• Maintain confidentiality while processing loans and communicating with third parties.
• Review, address and complete all underwriting conditions.
• Submit a loan file to the closing department to request and approve closing disclosures.
• Provide final closing numbers to the borrower prior to their scheduled closing.
• Coordinate with the title company, Realtor, and borrower to schedule the closing date.
• Escalates issues when necessary to the Loan Officer, Loan Officer Assistant, Processing Manager, or Operations Manager.
• Maintain a working knowledge of underwriting guidelines.
• Stay up to date on Neighborhood Loans and Treadstone Funding policies and procedures.
• Perform other tasks as assigned.

Essential Traits and Values:

• 2+ years of experience in mortgage loan processing or underwriting is preferred.
• Personally demonstrates that customers are a high priority.
• Strong verbal and written communication skills – communicates accurately, effectively, appropriately and with a positive attitude.
• Establishes a record of producing work that is highly accurate.
• Strong organizational skills.
• Takes pride in a high quality of work with a thorough attention to detail.
• Be proactive – take initiative to resolve any possible issues that can arise.
• Personally commits to a high quality of work and encourages others to have similar standards.
• Ensures that quality of work does not suffer as quantity of work increases.
• The ability to prioritize and multitask throughout the day – managing interruptions until the highest priority tasks are accomplished.
• Identified customer needs and expectations and responds to them in a timely and effective manner.
• Manages time to ensure that deadlines are met.

We are an equal opportunity employer and value diversity. All employment decisions are based on qualifications, merit, and business needs.