Mortgage HELOC Processor

Position Summary:

Mortgage Loan Processor dedicated to the processing of Home Equity Loans. Ensure that loan files are documented appropriately and meet the designated credit policy requirements. Ensures that all credit packages meet quality standards for completeness, accuracy and timelines established for the lien position and type of loan. Performs all duties in accordance with established lending objectives, policies and procedures as well as supports and upholds credit policy and all Federal and State Lending Regulations. Responsibilities are performed in a professional, mature matter, at all times maintaining customer confidence.

 

Responsibilities: 

•  Provide quality customer service by answering questions for external and internal customers in a timely and professional manner.
• Experience using Encompass as well as basic PC knowledge and skills, basic math ability, basic accounting and bookkeeping skills.
• Must be detail oriented and possess solid organizational and time management skills. Must be able to work independently and handle multiple priorities under pressure of deadline and time restraints. Promotes teamwork within the department and other departments.
• Will review file when received and order all appropriate documents including credit report updates, title work, appraisal, final inspections, hazard insurance, flood certification and flood insurance if required. Ensures that all hazard insurance and flood insurance meets investor requirements prior to the loan closing.
• Will analyze all aspects of the mortgage credit package including but not limited to: accuracy of file input, timely delivery of required application disclosures, title policy, assets and asset documentation, income figures and income documentation including personal and corporate tax returns, credit report/credit documentation and appraisal review as required for the approval of the home equity loan.
• Will document mortgage loan files within the Encompass processing system as required.
• Will ensure legal, and regulatory procedures are compliant and practices meet all Federal and State standards.
• Able to interface effectively and professionally with applicants/borrowers, realtors, builders, appraisers, title companies and others in department to insure efficient and timely workflow and perform related duties as required.
• Continually enhance and maintain a personal knowledge of products and services as well as the laws, regulation and internal policies and procedures appropriate to the position.
• Identifies problems and develops procedures to resolve or correct the situation; monitors and measures the results. Provides excellent customer service and solves customer-related problems quickly

Qualifications

• High School Diploma and commitment to continuing job related course work.
• Minimum 2-3 years of work with transferable skills.
• Proficient in Encompass, Microsoft Word, Windows and the use of the Internet. 
• Attention to detail and accuracy.
• Excellent customer service skills with strong verbal and written communication skills.
• Projects a professional image and collaborates with others in department to accomplish goals and demanding deadlines

This position can work hybrid or remote from any of our affiliate bank locations throughout the Holding Company in North Carolina, Missouri, Oklahoma, Kansas, Florida, or Illinois.