Mortgage Loan Processor

Overview Job Location: Mortgage Division Office - Lansing, MI 48912 All Dart Bank team members take ownership of their positions. They are proactive, flexible, and resourceful, with a focus on prioritization and customer satisfaction. A Processor works independently and as part of a team to share best practices and drive efficiencies in a changing environment. Ability to work standard business hours aligned with Eastern or Central Time Zones. Responsibilities Be fully engaged and consistently look for improvement measures and solutions to issues that hinder success. Process residential mortgage loans for all programs offered by Dart Bank in accordance with company policies, procedures, and regulatory requirements. Maintain a pipeline of loans and ensure timely and compliant flow through the process. Contact all borrowers within 24 hours of receiving the file to introduce yourself and request outstanding documentation. Obtain and review necessary loan documentation and update Encompass prior to submission to Underwriting for loan approval. Monitor and ensure closing dates and company deadlines are met. Follow company policies and procedures; avoid workarounds. Communicate with buyers, sellers, title companies, builders, and agents; and with borrowers and third parties to obtain loan documentation verbally and via email. Coordinate with Mortgage Bankers and assistants to ensure processing and underwriting components are completed in time to meet the closing date. Obtain and verify that all underwriting conditions are received, reviewed, and cleared by the underwriter; prepare the file for submission to the Closing Department. Identify and resolve discrepancies with data entry or documentation received. Provide excellent customer service through effective communication with internal and external customers. Stay current with changes in policies, procedures, standards, and regulations applicable to the company and mortgage industry; manage high volume and maintain production goals. Adaptability and candor: work with evolving mortgage technology and provide feedback to improve products. Maintain excellent verbal and written communication, handling delicate situations with diplomacy and tact. Actively participate in and advocate for the bank’s training and development programs and commitment to learning. Communicate effectively with the Underwriter regarding changes to the loan file. Ensure data integrity, completeness, accuracy, and timely management of e-folder/conditions. Bring issues to management or the team lead as they arise. Collaborate as a team to ensure best practices and continuous improvements. Adhere to all Federal and State laws and regulations, including the Bank Secrecy Act. Other duties as assigned. Essential Functions Must be able to perform the essential functions of this position with or without reasonable accommodation. Qualifications Skills Strong written and verbal communication skills Well-organized Strong customer relations skills Computer proficient Strong time management skills Education Minimum of High School diploma, college degree preferred. Experience 6 months to two years of prior mortgage loan processing experience Experience with web-based automated underwriting systems and loan origination systems, including Encompass and Blend is preferred. Experience working with correspondent lenders preferred. Government lending experience preferred but not required. Supervised by Mortgage Processing Manager Supervises None #J-18808-Ljbffr