Senior Mortgage Loan Processor

The Mortgage Loan Processor is responsible for obtaining and preparing loan documents, credit documents, appraisals, etc. to complete loan files. This position maintains and updates records and files for processing of each mortgage loan, verifies files for accuracy and completeness and performs data entries. The Mortgage Loan Processor works closely with Mortgage Loan Officers and Underwriters to ensure guidelines, compliance laws and regulations are met and timely closing of the loan.STATEMENT OF EXPECTATIONSChickasaw Community Bank (CCB) expects all employees to comply with the responsibilities of their assigned position to the highest degree of performance. Expectations include but are not limited to:Adhere to the bank’s policies and support management decisions and goals in a positive, professional mannerRepresent CCB with a high level of integrity and professionalismMaintain knowledge and understanding of banking rules, regulations, laws, and all policies and proceduresKnowledge of applicable bank software, programs, and proceduresDemonstrate a willingness to adapt to changing business needs and deadlinesPossess a work ethic that includes neatness and punctualityExhibit a professional, business-like appearance, and demeanorAnswer all voicemails and emails within 24 hours of receiptConfer with management concerning questions, procedures, necessary information, forms completion, and problem resolutionsComplete and attend all required CCB trainingMaintain satisfactory attendanceReview new files within 48 hoursClose all loans on or before expected closing dateKeep accurate and updated notes on every loan file in our Loan Origination SystemESSENTIAL FUNCTIONSManage assigned Pipeline daily in LOS to ensure dates ECD (Expected Closing Dates) are correct and updated.Monitor receipt of appraisals, credit reports, preliminary title information, case numbers and other loan documentation needed for underwriting submission for the processing of the fileMaintain contact will all parties including customers, loan officers and real estate agentsReview each loan file to verify accuracy of 1003 ensuring accuracy and completeness before submission to underwritingGather all documentation needed from the customer, verifying accuracy and completeness prior to submission to underwritingPre-underwrite all loans to ensure proper supporting documentation before submission to underwritingConfer with borrowers concerning questions, procedures, necessary information, etc.Collect, submit, and clear all underwriting conditions related to the processing processCoordinate closing date and location between Loan Officer, Closing Department, customer and closing agentManage key data, including but not limited to lock expiration, contingency dates, contract dates, credit documentation expiration, ECOA, MDIA and other compliance related issuesAct as a trouble-shooter for problem loans, interacting between the Loan Officer, customer and UnderwriterMaintain current knowledge of underwriting guidelines for various investors and internal software systems usedADDITIONAL RESPONSIBILITIESPerform other duties as assigned.ENVIRONMENT AND INTERACTIONWork areas are inside, in a climate-controlled environment, with moderate background noise. Position may involve occasional travel to branch locations. Position may involve exposure to potentially hazardous conditions (e.g., robbery).Reports To: Mortgage Loan Processing ManagerPHYSICAL ACTIVITIES REQUIRED TO PERFORM ESSENTIAL FUNCTIONSNormal office environment.This work is sedentary and requires the following physical activities:Sitting for long periods of time; occasional bending, squatting, kneeling, stooping; good finger dexterity and feeling; frequent repetitive motions; talking, hearing, and visual acuity.Frequent lifting (up to 10 pounds of paper supplies or minor office equipment).PROFICIENCIESGood written and oral communication skills; ability to communicate effectively and project a professional image when giving and taking information in writing, in person and over the phoneSuperior customer service skillsAbility to multi-task and remain professional in a challenging environment with constant deadlinesAbility to learn and navigate computer systems and websites necessary to complete job description and other duties as assignedAbility to work independently and as part of a teamAbility to take initiative and prioritize tasks; excellent time-management, organizational, problem-prevention and problem-solving skillsKnowledge and understanding of banking rules, regulations, laws and all policies and procedures pertaining to them including but not limited to the Bank Secrecy ActAbility to work accurately with close attention to detailAbility to maintain confidentiality of sensitive informationAbility to study and apply new informationAdvanced knowledge of the mortgage department’s Loan Operating System (LOS)Ability to learn products, services and procedures quickly and accurately; explain concepts clearly to customersAbility to establish credibility and rapport, be friendly and personable and look for ways to benefit the customerExcellent customer contact skills; comfortable asking questions/interviewing customers about their financial situation; strong listening skillsMust be self-motivated, assertive, and perform well in a team environmentMust be organized and maintain a positive demeanor in all situationsEDUCATION AND EXPERIENCEHigh school diploma or equivalent.Minimum of 3 years of mortgage lending experience preferred. #J-18808-Ljbffr