Mortgage Processor

Mortgage Processor

Martinsburg, WV, US

Classification:
Non-exempt

Reports to:

Manager of Mortgage Loan Operations

Responsible for processing all secondary market and in‑house portfolio loans which includes gathering documents from borrowers, reviewing and/or preparing disclosures, ensuring application is complete and accurate, ordering all necessary reports for the file, and submitting to underwriting.

• Process secondary market and in‑house portfolio mortgage loans.
• Prepare or review disclosures to TRID guidelines.
• Act as a liaison between underwriter, loan originator and client.
• Provide originator with timely and periodic status updates of their loan application.
• Return all inquiry calls within one business day.
• Collect required documentation from originator and client and follow up on missing items.
• Establish, maintain, and update files, databases, records, and/or other documents for recurring internal reports.
• Order title reports, verifications, flood certificates, and appraisals.
• Analyze AUS with credit reports, income, and asset documentation.
• Ensure that all customer files are complete and in compliance with regulatory guidance and internal policies.
• Ensure customer privacy and security of files.
• Index documents to Document Imaging System.
• Prepare denial letter(s), withdrawals, and cancel files when necessary.
• Process the documents received for each file, verifying the accuracy and completeness of each document.
• Participate in regular process/system reviews to support ongoing improvement.

• Other duties as assigned.

• Excellent customer service in person and on the phone.
• Ability to handle stressful situations in a calm and courteous manner.
• Strong verbal and written communication.
• Excellent record‑keeping and file management skills.
• Knowledge and experience using MS Word, Excel, Outlook.

This position does not have supervisory responsibilities.

Manual dexterity; ability to lift files and open cabinets; bending, stooping or standing as necessary.

Limited local travel may be required.

• Associate’s Degree preferred.
• Knowledge of basic lending, real estate contracts and language, foreclosure, short sales, and delinquent accounts.
• Understanding of all mortgage loan products (FHA/VA/CONV/USDA/In‑House) and knowledge of mortgage procedures, processes and documentation requirements.
• Knowledge and experience using AUS, MS Word, Excel, Outlook.
• Knowledge of basic accounting processes and procedures.