Mortgage Loan Processor

Duties and Responsibilities:

• Review and process all incoming mortgage loan applications.
• Perform various preliminary reviews on loan files such as title reports, flood determinations, hazard binders, and appraisals.
• Review the loan for basic required investor overlay requirements.
• Handle required disclosures following the Real Estate Settlement Procedures Act and Fair Lending requirements, and Equal Credit Opportunity Act.
•  Assist in the completion of the loan with orders, verifications, and any other requirements throughout the loan closing process. Assist Loan Officer's with obtaining necessary required items prior to closing.
• Process denied and withdrawn loan applications.
• Prepare, complete and accurate loan packages for final underwriting submission.
• Prepare accurate and timely closing disclosures and closing packages.
• Review completed, signed, closing packages for accuracy and completeness
• Work with title companies to balance mortgage transactions and complete the disbursement of monies for the transaction.
• Assist with various mortgage loan duties as required.
• Communicate with internal and external members including vendors throughout the entire loan process.
• Perform various post-closing duties on loan files such as following up on the receipt of final title policies and deeds, paying fees, and quality control

Qualifications:

Bachelor’s Degree Preferred. One or more years of loan processing experience preferred. Excellent communication and people skills with an eye for detail. Able to work under pressure and multi-task in an organized manner.Performance Standard:

Must take pride in department by processing loans in a timely and efficient manner with a high attention to detail. Must be professional and courteous in manner, with a strong sense of urgency as well as focuses on attendance, quality and quantity of work performed. Must be willing to comply with the Bank Secrecy Act and USA Patriot Act as implemented by Idaho Central Credit Union.

Physical Requirements:

· Perform tasks requiring manual dexterity (processing paperwork, filing, stapling, sorting, collating, typing, counting cash, etc.).

· Sit for extended periods of time.

· Lift 20-40 pounds of applicable supplies including but not limited to copy paper, cash drawers, marketing material, etc.

· Repetitive motion using wrists, hands, and fingers.

· Reach keyboards.

· Ability to operate basic office machines (calculator, computer, telephone, copy machine, fax machine, etc.).

The above statements reflect the general details considered necessary to describe the essential functions of the job and should not be construed as a detailed description of all the work requirements that may be inherent of the job.

Must be eligible for membership at ICCU to obtain employment.

ICCU is an Equal Opportunity Employer. Employment decisions are made without regard to race, color, religion, national or ethnic origin, sex, age, disability, protected veteran status or other characteristics protected by law