Senior Processor

Job Summary

Required Qualifications

• •Work Authorization: Must be able to verify identity and employment eligibility to work in the U.S.
• •Must be able to lift up to ten pounds
• •Must be able to lift, carry, push, and/or pull light to moderate amounts of weight
• •Must be able to operate office equipment requiring repetitive hand movement and fine coordination including use of a keyboard
• •Must be able to verbally communicate to exchange information
• •Must be able to see in the normal visual range with or without correction
• •Must be able to hear in the normal audio range with or without correction
• •Must be able to work in the U.S. Remote location
• •Must be able to work 9am - 5pm CST hours
• •Must be able to work additional hours as needed
• •Must be able to process FHA, VA, Conventional and other loan programs such as USDA, Home Equity Lines of Credit, 2nd Mortgages, Home Improvement loans, Down Payment Assistance and Bond Programs as well as Reverse Mortgages
• •Must be able to accurately calculate income for all types of borrowers
• •Must be able to communicate clearly and effectively with customers, loan agents and other third parties involved in the mortgage loan transaction
• •Must be able to request, review and verify all loan documents such as income, credit, appraisal and title insurance, to ensure complete and accurate information is in the file before it is sent to underwriting
• •Must be able to obtain verification of deposit, verification of employment, credit report
• •Must be able to prioritize and monitor daily workflow in order to ensure all loans are being worked on in accordance with company's timeline expectations
• •Must be able to maintain constant communication with customers and loan agents on status updates and/or changes to the loan
• •Must be able to ensure any necessary and critical changes which require redisclosure have been accurately notated and checked in the loan origination system for compliance purposes
• •Must be able to coordinate loan closing with customers, title companies, and loan agents
• •Must be able to demonstrate advanced product knowledge of FHA, VA, Conventional and other loan programs such as Home Equity Lines of Credit, 2nd Mortgages, Home Improvement, down payment assistance and bond programs
• •Must be able to demonstrate working knowledge of federal and state guidelines, rules and regulations such as TRID
• •Must be able to analyze complex tax returns accurately calculate income for all types of borrowers
• •Must be able to demonstrate excellent written and oral communication skills
• •Must have 5-7 years' experience processing mortgage loans
• •Must have current experience processing purchase loans
• •Must be proficient with Encompass, or other paperless mortgage loan origination systems
• •Must have understanding of all compliance regulations and investor guidelines