Job Information
Happy State Bank - a division of Centennial Bank Mortgage Loan Processor II in Amarillo, Texas
The Mortgage Loan Processor II processes mortgage loans from application to closing. This position complies with all legal and regulatory guidelines related to the mortgage loan industry and improves customer service by processing all loans in a timely manner.
ESSENTIAL DUTIES AND RESPONSIBILITIES
Answer incoming phone calls and answer customer questions regarding mortgage loans in general or specific to a borrower's loan in process. This duty is performed daily, about 25% of the time.
Process FHA, VA, Conventional, Bond and RD loans after application, which includes, but not limited to, processing various types of verifications, pulling credit report, ordering appraisals, ordering title work, running loans through an automated system, pulling flood certificates, getting loan files ready and submitting them to underwriting, following up with underwriting and clearing all underwriting conditions. This duty is performed daily, about 40% of the time.
Correspond with customers, real estate agents, appraisers, and title companies as needed to obtain information necessary to getting the mortgage loan ready to close. This duty is performed daily, about 5% of the time.
Prepare month end reports to various banks and regulatory agencies. This duty is performed as needed.
Work directly with the Mortgage Loan Officer to ensure the utmost in customer service. This duty is performed daily, about 10% of the time.
Refer customers to other bank personnel as needed. This duty is performed daily, about 5% of the time.
Perform research onBankway, Fortis, Image Center and Dimension. This duty is performed daily, about 5% of the time.
Perform daily duties on all bank systems and Mortgage operating systems such as DO, DU, LP, Encompass and Doc magic. This duty is performed daily, about 5% of the time.
Identify Cross Selling opportunities. This duty is performed daily, about 5% of the time.
Review fields for completeness, qualification and Compliance. This duty is performed daily.
Communicate deficiencies to the loan officer and customer. This duty is performed daily.
Advise loan officer of any changes needed in the file to obtain loan approval. This duty is performed daily.
Communicate with realtor and customer of status as they change. This duty is performed daily.
Communicate with Underwriter once file is submitted for approval process. This duty is performed daily.
Clear underwriting conditions. This duty is performed daily.
Complete required BSA/AML training and other compliance training as assigned. This duty is performed annually.
The ability to work in a constant state of alertness and in a safe manner.
Perform any other related duties as required or assigned.
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily.The requirements listed below are representative of the knowledge, skill, and/or ability required.
EDUCATION AND EXPERIENCE
Knowledge of a specialized field (however acquired), such as basic accounting, computer, etc. Equivalent of four years in high school, plus night, trade extension, or correspondence school specialized training, equal to two years of college, plus 3 years related experience and/or training, and 12 to 18 months related management experience, or equivalent combination of education and experience.
COMMUNICATION SKILLS
Ability to read and understand documents such as policy manuals, safety rules, operating and maintenance instructions, and procedure manuals; Ability to write routine reports and correspondence.
MATHEMATICAL SKILLS
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts such as fractions, ratios, and proportions to practical situations.
CRITICAL THI KING SKILLS
Ability to utilize common sense understandingin order tocarry out written, oral or diagrammed instructions. Ability to deal with problems involving several known variables in situations of a routine nature.
REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS
Not indicated.
PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS
Not indicated.
SOFTWARE SKILLS REQUIRED
Intermediate: 10-Key, Accounting, Alphanumeric Data Entry, Word Processing/Typing
Basic: Contact Management, Database, Spreadsheet
WORKING CONDITIONS
Somewhat disagreeable working conditions. Continuously exposed to one or two elements such as noise, intermittent standing, walking; and occasional pushing, carrying, or lifting.
ENVIRONMENTAL CONDITIONS
The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job.Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate.
PHYSICAL ACTIVITIES
The following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations.
Semi-repetitive, low physical. Semi-repetitive type work which requires periods of concentration for varied time cycles as prescribed by the tasks.
While performing the functions of this job, the employee is continuously required to talk or hear; regularly required to sit, use hands to finger, handle, or feel, reach with hands and arms; frequently required to stand, walk; and occasionally required to stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.
ADDITIONAL INFORMATION
-High school diploma or its equivalent -3+ years of mortgage loan processing experience required -3+ years hands on experience processing Conventional, FHA, VA, RD, and Bond loans preferred. -1 yearexperience with Encompass Anywhere preferred -5+ years experienceusing personal computers -Experience using Microsoft Office Products -Proficient telephone and customer service skills -Ability to sit for long periods -Ability to lift 15 lbs. -Ability to multi-task