Job Title

Provides highly skilled professional assistance in the processing of residential mortgage loans. Identifies and analyzes all required documentation required to facilitate mortgage loan approvals from Mortgage investors and underwriters. Able to accurately spread and calculate self-employed income from tax returns including personal, corporate or business returns. Ensures that all credit packages meet quality standards for completeness, accuracy and timelines established for the loan type. Prepares the loan file for submission to underwriting and includes required documentation and figures for the mortgage loan closer to prepare the required closing disclosure. Ensures that all credit packages comply with regulatory requirements and corporate guidelines. Supports and upholds credit policy and all Federal and State Lending Regulations. Will assist and actively participate in training a Mortgage Loan Assistant if one has been assigned. Essential Duties/ Responsibilities Solid knowledge of FNMA, FHLMC, FHA, USDA, and VA. Knowledge of State sponsored down-payment another assistance programs. Basic PC knowledge and skills, basic math ability, basic accounting and bookkeeping skills. Ability to use a financial calculator. 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. Reviews file when received and orders 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. Ensures accuracy by reviewing and analyzing 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. 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 and 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