Mortgage Junior Processor

This position assists with processing all mortgage loans assigned under the direction of the Branch Manager, VP Processing and/or Operations Managers by performing the following essential duties and responsibilities.

Primary Duties:

• Assist processing on the review of all new loan applications to ensure compliance with all investor agency/federal compliance guidelines.
• Update loan files, the mortgage computer system, and the tracking system as information is received.
• Assist in the review of credit documents for accuracy and compliance with investor/ agency guides. Identify potential problems and discusses them with processor and/or supervisor.
• Follow and monitor the schedule of closing with title companies.
• Assist/prepare loan file for underwriting and closing, secure MDIA compliance review and hazard insurance binder, H06 for condominiums and PUDs, complete TRID checklist.
• Remain informed of all aspects of investor/agency/compliance policies that affect the processing of mortgage loans.
• Remain knowledgeable of all loan programs offered.
• Know by name and face as many customers and employees as possible, calling them by name as often as possible.
• Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards.
• Know, understand, and live the company values and bottom line.
• Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable state and federal laws and regulations.
• All employees are responsible for information security, including compliance with policies and standards which protect sensitive information.
• Prompt and reliable attendance.
• Perform other duties as assigned.

Job Skills Required:

• One to two years of mortgage experience preferred.
• Basic understanding of FHA/VA, FNMA, FHLMC, FDIC Compliance, ATR/QM, mortgage audit underwriting, appraisal and investor guidelines.
• Proficient computer and accurate typing skills.
• Ability to function efficiently and effectively under deadlines and stress while maintaining a professional and mature profile.
• Ability to manage time, prioritize and multi-task.
• Ability to work extremely well with internal and external customers using excellent written and oral communication skills.
• Detail oriented with the ability to put puzzle pieces together.
• Ability to work well with people with diversified personalities.
• Ability to work as a team member.
• Self-motivated to research and problem solve.