Mortgage Loan Processor
Company: GreenState Credit Union
Location: Dubuque
Posted on: January 12, 2021
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Job Description:
GreenState Credit UnionMortgage Loan ProcessorUS-IA-DubuqueJob
ID: 2020-2612Type: Regular Full-Time# of Openings: 1Category:
MortgageGreenState Credit UnionOverviewResponsible for processing
of all secondary and in-house mortgage
loans.ResponsibilitiesPerforms essential duties and
responsibilities in the following areas which may include but are
not limited to those listed and are subject to change.Adheres to
the Credit Union's core values and Service Standards in carrying
out GreenState's mission and vision.Demonstrates a positive member
service (internal and external) focus at all times, greeting
members and guests with a smile and eye contact immediately upon
their arrival. Consistent usage of the members name during contact
and always thanking them for their business.Demonstrates teamwork
in all interactions with coworkers and in the completion of all
duties and responsibilities.Plays a vital role in enriching the
community by participating in community service organizations
and/or Credit Union sponsored events on an annual basis.Ensures
confidentiality of member information.Builds and maintains
relationships in the real estate community, which includes but is
not limited to realtors, attorneys, abstractors, and insurance
companies.Fields and returns phone calls from the mortgage group
line and returns phone calls/emails from borrowers regarding their
mortgage loan. Orders final inspections, flood determination,
credit report, pre-closure credit report, verification of deposit,
verification of employment, verification of mortgage or rents and
other documents necessary to support the loan application and
ensure complete documentation of the loan file. Sends a copy of the
appraisal to the borrowers at least 3 days prior to closing.Reviews
and verifies title work is clear to close and works with all
parties involved to clear title objections. Sends a copy of the
title to the borrowers to review prior to closing. Requests HOA
letters as needed.Collects and verifies completeness of requested
credit documents. Processes documents by correctly entering
information into on-line computer system and scans original
documents into loan software system as needed.Orders and reviews
both the compliance report and fraud report for accuracy and
discrepancies and makes any necessary corrections.Submits file
information to automated underwriting system when necessary and
verifies accuracy of the findings.Organizes documents in the LOS
System in appropriate order and submits final applications to
underwriting for approval.Follows up on any approval conditions for
secondary market and in-house loans.Following approval, sends
approval letter to borrowers and realtors, orders payoffs, property
surveys, and orders any other required documentation to prepare
closing documents.Requests homeowners insurance and flood insurance
if applicable (personal and association) and requests mortgagee
clause change prior to closing. Verifies the completeness and
accuracy of the binder for effective dates, coverage, and
address.Organizes documents in the LOS system in appropriate order
in a timely manner to ensure prompt delivery to investors and
prompt recording of the mortgages.Resolves any secondary market
suspensions or deficiencies and follows-up on any missing
documentation in mortgage file in a timely manner.Assists in
year-end verification of HMDA reporting and 1098/1099
statements.Assists in all other necessary mortgage duties and
projects when needed.Adheres to all state, federal and credit union
regulations, policies and guidelines.QualificationsReports to work
punctually, works all scheduled hours, and works overtime as
necessitated by business demand.Interpersonal skills to represent
the Credit Union in a positive way during member
contact.Interpersonal skills necessary to gather data from a number
of sources and to represent positively the Credit Union during such
contacts.Ability to provide quality service to members by phone or
in person or by email.Ability to develop and maintain effective
working relationships with co-workers.Ability to prioritize
assignments and organize work efficiently, to handle large volumes
of details.Ability to operate related computer applications,
on-line terminal and other standard office equipment such as a
calculator and typewriter.Accuracy and attention to detail
required.Lending policies and Real Estate knowledge helpful.High
school diploma or equivalent (i.e. GED) with a minimum of one year
previous related work experience.Must be bondable.Reporting
RelationshipReports to Mortgage Sales and Loan Support
Supervisor.Supervisory ResponsibilitiesThis position is not
responsible for the supervision of other employees.Equal
Opportunity Employment StatementGreenState Credit Union is an Equal
Opportunity Employer. All qualified applicants will receive
consideration for employment without regard to race, color,
religion, sex, sexual orientation, gender identity, national
origin, or protected veteran status and will not be discriminated
against on the basis of disability.Apply Here:
Keywords: GreenState Credit Union, Dubuque , Mortgage Loan Processor, Other , Dubuque, Iowa
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