Document Control Assistant

Overview Originate portfolio loans, secondary market conventional, FHA, VA and RD loans that comply with investor requirements and all State and Federal laws and regulations. Promote Bank products and services to existing and potential clients in the community. Responsibilities Provides expert mortgage advice to potential borrowers Stays current with Bank underwriting policies, investor guidelines, applicable State and Federal laws and regulations, and changes in other aspects of the mortgage industry Develops and maintains referral networks of Bank associates and external referral sources such as Realtors, builders, friends, family and others in the community Manages a clean pipeline of loans in process coordinating with processors, underwriters and closers on a daily basis Delivers all compliance documents and disclosures in a timely manner Additional Duties Takes a complete application and collects all required documentation (e.g., income tax return, bank account information, purchase agreement, property description, etc.) for verification. Prepares the borrower(s) for the process and keeps all parties involved updated on important developments and current status of the application. Informs applicant of closing costs such as appraisal, credit report and notary fees. Coordinates the closing with the borrower(s), closing agents, Realtors and others involved in the transaction. Interviews loan applicants to document income, debt and credit history. Determines if applicant meets establishment standards for further consideration. Answers applicant's questions and obtains signatures on information authorization forms. Submits application forms to Mortgage Loan Processor for verification of application information. Calls applicant or other persons to resolve discrepancies, such as credit report showing late payment history. Informs applicant of loan denial or acceptance. Keeps Bank associates updated on changes in the industry and works as a team member with other lines of business. Maintains all compliance requirements and stays current on products and services provided by other lines of business and Bank affiliates. Complies with all applicable federal, state and local banking and industry-related laws and regulations, including but not limited to the Bank Secrecy Act. Supervisory Responsibilities None. Minimum Required Education, Experience & Knowledge Bachelor's Degree preferred. 2 years of sales experience required. 2+ years of Mortgage origination experience preferred. Requires National Mortgage Licensing System and Registry (NMLS) registration under the SAFE Act of 2008. Employment is contingent upon successful registration upon start date and annual renewal thereafter. Knowledge of all Mortgage laws, procedures, rules, regulations, etc. on a federal, relevant state, local and bank-wide basis. Proficiency with Microsoft Office products including Word, Excel, PowerPoint, Access and Outlook. Excellent communication, analytical, customer service and organizational skills. Ability to work effectively with all levels of personnel. Essential Mental & Physical Requirements Ability to travel if required. Ability to work under stress and meet deadlines. Ability to operate related equipment to perform essential job functions. Ability to read and interpret documents if required. Ability to lift/move/carry approximately 10 pounds if required. Accommodations will be provided if lifting is not possible. Equal Opportunity/Affirmative Action Equal Opportunity/Affirmative Action Employers. All qualified applicants will receive consideration for employment without regard to race, color, religious beliefs, national origin, ancestry, citizenship, sex, gender, sexual orientation, gender identity, marital status, age, physical or mental disability or history of disability, genetic information, status as a protected veteran, disabled veteran, or other protected characteristics as required by federal, state and local laws. #J-18808-Ljbffr