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As a Home Lending processor, you will be responsible for reviewing mortgage loan packages to ensure applications are complete and compliant.
Complete file reviews of all mortgage loan packages making sure applications are complete and consistent.
Review Net Tangible Benefits and Loan Programs for accuracy.
Collect all documentation and runs loan through automated underwriting and gathers loan condition.
Ensure loan disclosures are delivered on time and are accurate.
Order electronic appraisals.
Submit file into loan center so file can be validated and processed quickly.
Assist with marketing and other requests made by the Mortgage Loan Officer.
Ensure correct combination of documents will be prepared/received for each loan package to secure legal interests of the company.
Review and monitor loan documents for accuracy, completeness and adherence to approval conditions.
Resolve a variety of customer problems/issues regarding bank products and services.
Monitor existing mortgage loans to ensure complete conformity with terms.
Follow up with customer to obtain all necessary information and clarification on financial analysis materials and resources.
Provide customer service, sales support and marketing support for assigned region.
Comply with all Federal, State, and local consumer protection laws governing loan origination including the SAFE Act, the Truth in Lending Act (TILA), their implementing regulations (Regulations G and Z), and SAFE Act registration and renewal rules as defined by the bank.
Demonstrate compliance with all bank regulations that apply to your position, and keep up to date on regulation changes.
Maintain working knowledge of our policies and procedures regarding the Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations that apply to your position.
High school diploma or GED required.
2-5 years of Administrative/clerical, Retail Banking and/or Mortgage experience required.
Strong knowledge of Home Lending department/function, documentation, and processes, plus proficiency in preparing related reports and documents preferred.
Possess strong customer service and interpersonal skills, with ability to work effectively with individuals and groups across the company to manage internal and external customer relationships. Strong verbal and written communication skills.
Must be registered as a MLO as per the S.A.F.E. Act requirements.
Registered Mortgage Loan Originator (MLO)
This position requires you to act as a Bank MLO, which is defined as an individual authorized by the Bank to take mortgage loan applications, offer a mortgage, arrange a mortgage, assist a consumer in obtaining or applying to obtain a mortgage, negotiate a mortgage, otherwise obtain or make a mortgage for another person, represent to the public (through advertising or other means of communication) that such person can or will perform any of these activities, or refer a consumer to a loan originator (Note: Except those employees of the Bank who do not discuss particular credit terms available and do not refer the consumer, based on the employee's assessment of the consumer's financial characteristics to a particular Bank MLO) for compensation or gain. All MLOs will be required to register as an MLO complying with the SAFE Act requirements.
This position IS authorized to act as a Bank Closed-End MLO, which is defined as any position designated to perform the activities of a Bank MLO for closed-end transactions, and therefore this position is limited to acting as a Bank MLO for open-end transactions (i.e., home equity lines of credit) only.
Physical Requirements and Working Conditions
Ability to work store hours to include weekends and occasional evenings.
Prolonged Standing (5-8 hours per day), frequent use of hands to manipulate/grasp objects, occasional bending and lifting from floor height, frequent forward reach, frequent lifting of 1 - 10 lbs., occasional lifting of up to 30 lbs.
Exposed to potential hazard of robbery - receives detailed instruction to minimize risk.
No relocation is offered.
We do things a little differently here at Company. Our retail stores serve as community hubs, our associates are given up to 40 hours of volunteer time each year, and we're never satisfied with the status quo. It's no wonder we've made "Fortune's 100 Best Companies to Work For" eight years in a row. But greatness has no finish line, so we continue every day to keep people at the center of everything we do. We focus on building relationships, understanding our customers' needs and connecting to people in new and innovative ways -- always staying true to our mission of providing personalized banking for all people, whenever and however they prefer to bank.
Company is committed to employing a diverse workforce. Qualified applicants will receive consideration without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, gender expression, protected veteran status, or disability. We maintain a drug-free workplace and may perform pre-employment substance abuse testing.
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