Mortgage Loan Processor II

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Full Time Clerical Albany, Latham, NY, US

30+ days ago Requisition

Salary Range: $24.00 To $27.50 Hourly

Since 1999, Premium Mortgage Corporation has been providing residential mortgages across New York State and beyond, offering competitive interest rates and a wide variety of loan programs to fit the needs of home buyers. Headquartered in Rochester, NY we have offices throughout New York and Florida, and are licensed in AL, CT, FL, MA, NE, NJ, NY, OH, PA, SC, TN, TX, and VT.

As a mortgage lender, our number one goal is for every customer to feel comfortable, informed, and well taken care of.
After all, a mortgage isn’t just a transaction to us. It's a partnership for life.

We accomplish this level of customer satisfaction by employing top tier talent—all of whom take part in our employee engagement program called the Premium Experience
. This program allows our team members to live out our core values, while supporting them with opportunities for professional and personal growth. With hundreds of team members living out the Premium Experience every day, they are the driving force in making Premium Mortgage Corporation a leading lender in the communities we serve.

All positions with Premium Mortgage operate on a hybrid work schedule unless an exception has been granted by Upper Management.

This posting is an evergreen posting. While the posting is open for applications, we may not be actively filling this roll.

The Processor obtains, processes, and reviews all required loan documentation in compliance with the company’s established deadlines.

Job Duties:

• Currently (or will be within the first year of hire) trained and approved to process loan types:
  Conventional, FHA, USDA, VA, Construction END loans, Jumbo, and Portfolio.
• Reviews all documentation necessary for Loan Approval for accuracy, completeness, and tracks all data in origination software (Encompass).
• Quickly and efficiently answers questions from consumer throughout the mortgage process.
• Stays up to date on changing rules and regulations pertaining to Conventional, Government‑insured mortgages, and all other products offered by Premium Mortgage.
• Processes verifications for credit items, including, but not limited to:
  Employment, Asset information, Rental history, Credit reports, etc.
• Works closely with Underwriting and Closing departments to ensure timely processing and quality of loan file flow.
• Reviews conditions and ensures Borrower(s) provide correct information needed to get their loan cleared to close.
• Training as needed.

The following qualifications are required of the Processor.

• A college degree with two years related experience and/or training. A combination of equivalent education and experience is acceptable.

• Previous experience in the mortgage industry with understanding of loan processing.

• Team player
• Multi‑tasking
• Detail orientated
• Organizational skills
• Customer service skills
• Time management skills
• Written communication skills
• Verbal communication skills
• Problem solving skills
• Independent judgement

The Processor is primarily in an office setting and may be exposed to outdoor conditions. Premium Mortgage adheres to a hybrid work model with a requirement of 3 days in office.

The working conditions are classified as sedentary work:

• Sedentary work - Exerting up to 10 pounds of force occasionally, and/or a negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time.

The following is a description of the physical requirements on a daily basis for the Processor. While performing the duties of the job the employee is regularly expected to:

• Stand
• Sit
• Hear
• Walk
• Talk
• Stoop or kneel
• Engage in repetitive motion

This is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job. While this is intended to be an accurate…