Mortgage Loan Processor Job Forest City area,North Carolina USA,Finance & Banking

Description

ESSENTIAL FUNCTIONS

Reasonable Accommodations Statement

To accomplish this job successfully, an individual must be able to perform, with or without reasonable accommodation, each essential function satisfactorily. Reasonable accommodations may be made to help enable qualified individuals with disabilities to perform essential functions.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned:

Provides analytical and technical support by preparing, monitoring, and completing loan documentation for the Loan Officers and other staff members.

Receives complete application from lender and generates preliminary loan documents.

Reviews underwriting requirements and requests verifications from customers.

Orders title work, appraisal, flood certification.

Requests homeowner’s insurance from borrower or insurance agent.

Coordinates the file transition between Underwriter and Lender.

Post-closing duties include but are not limited to:

Funding loan

Disbursing funds

Record mortgage/deed package

Upload documents accurately to Synergy

Completes servicing duties including Payoff letter, AFT/ACH, daily maintenance

Balancing and auditing accounts

Ensures accuracy of bank records by maintaining knowledge of both state and federal bank regulations along with MBT Bank policies for the purpose of documentation, account information, and other services with current software program(s) for customer and internal customer needs.

Understands basic underwriting guidelines and servicing duties.

Inputs new account information and account maintenance on data base with accuracy and speed along with maintaining appropriate records.

Maintains customer files for completeness by originating, researching, and clearing ticklers.

NON-ESSENTIAL DUTIES

Builds customer relationships by assisting in non-essential duties involving fairs, parades, and other bank activities as required.

Provides additional financial services to customers by responding to customer questions with referrals to MBT Investment Department, Insurance Department, Retail Bankers, and other banking departments.

Requirements

POSITION QUALIFICATIONS

Competency Statement(s)

Accountability – Ability to accept responsibility and account for his/her actions.
Accuracy – Ability to perform work accurately and thoroughly.
Adaptability – Ability to accept ongoing changes.
Analytical – Ability to use thinking and reasoning to solve a problem. Ability to comprehend mathematical calculations such as addition, subtraction, multiplication, division, and calculations of interest and any other skills as needed.
Communication, Oral – Ability to communicate effectively with others using the spoken word.
Communication, Written – Ability to communicate professionally with interpersonal, concise, accurate verbiage along with the ability to write technical processes and procedures.
Confidentiality – Ability to maintain confidentiality of all customer & employee information.
Customer Service – Ability to identify customer needs.
Decision Making – Ability to make critical decisions while following bank policies and regulations.
Deductive Reasoning – Ability to apply principles of logical or scientific thinking to a wide range of intellectual and practical problems. Knows and understands general accounting procedures such as debits and credits.
Dependability – Ability to arrive at workstation on time and ready to work. Covers area according to break/lunch schedules. Consistently uses Timeclock to clock in/out for payroll purposes, if applicable.
Detailed oriented – Ability to pay attention to the minute details of a project or task.
Ethical – Ability to demonstrate conduct that conforms to a set of values and accepted standards which includes adhering to all policies, guidelines, and procedures.
Flexibility – Ability to accept changes in workload, location, schedules, or duties.
Leadership – Ability to influence others to perform their jobs effectively and to be responsible for making decisions.
Multi-tasking – Ability to work simultaneously on several tasks.
Productivity – Ability to maintain productivity standards with minimal staffing periods.
Reasoning Ability – Ability to develop…