Mortgage Loan Processor

Kansas City, KS - USA

Monthly Salary: Not Disclosed

Posted on: Yesterday

Vacancies: 1 Vacancy

Job Summary

Mortgage Loan Processor

Our mission is to create exceptional experiences for our customers that help them achieve their dreams and we seek extraordinary individuals with the talent and passion to help us bring those dreams to life.

Are you looking for a fulfilling career with a dynamic company culture growth opportunities and the chance to make a real impact At North American Savings Bank (NASB) we pride ourselves on delivering top-notch customer service and financial solutions to support our customers achieve their dreams whether its buying their first home or planning for retirement. We believe exceptional customer service starts with an outstanding work culture that rewards hard work provides the right tools for success and values a healthy happy team. With over 92 years of success and continued growth NASB is seeking new team members eager to grow with us!

Wearecurrently looking for a Mortgage Loan Processor to join our Residential Lending Operationsteam.

Job Summary

The Mortgage Loan Processor is entrusted with the critical responsibility of managing and verifying all requisite information to process mortgage loan applications. This role ensures strict adherence to regulatory compliance and facilitates effective communication among borrowers loan officers and third parties to achieve successful loan outcomes.

What you can expect to work on

Collaborate closely with loan officers to ensure timely and seamless communication with borrowers third parties and realtors throughout the loan process.
Analyze credit packages review applications disclosures credit assets liabilities and income calculations to ensure accuracy and compliance with lending regulations.
Ensure file accuracy by reviewing and analyzing all aspects of the mortgage credit package including but not limited to: Read and analyze AUS (DU/LP) and obtain any further requirements based on the findings Accuracy of system input reviewing asset and income documentation including personal and business tax returns credit report and credit documentation.
Review credit prior to closing for undisclosed debt and address any additional debt not shown on the original credit report.
Proactively manage the loan pipeline to meet service levels contract dates lock expirations and deadlines.
Possess a thorough understanding of various loan products including VA Conventional FHA and Portfolio Underwriting guidelines to assist in restructuring loans and clearing underwriting conditions.
High level of responsiveness to internal and external customers; willingness to go above and beyond taking extra steps if necessary to ensure completeness and a smooth process for all.
Responsible for heeding any system warnings with regards to the CFPB ATR/QM rules. Reporting any information to UW and/or the Loan Originator that they may find out during the processing of the loan that could impact the loans ATR/QM status.

What you offer us

A minimum of 2 years recent mortgage processing experience required. A high school diploma or equivalent required; a bachelors degree or equivalent college coursework preferred.

Skills:

Excellent verbal and written communication skills with a strong customer service focus. Ability to navigate difficult conversations through both internal and external groups to achieve a positive outcome.
Strong analytical detail oriented problem-solving ability to exercise good judgement and to help find resolution to problems independently while also considering the downstream impact.
Ability to effectively collaborate within a teamwork environment and build strong working relationships across functional partners maintain effective communications required to enhance customer experience and compliance with company policies and procedures.
Ability to effectively manage pipeline and contract closing dates while delivering exceptional customer experience.
Ability to work on multiple transactions simultaneously and meet service level turnaround deadlines.
Self-motivated entrepreneurial persona with excellent time-management and organization skills which requires minimal supervision.
Thrive in an environment focused on collaboration and innovation with the ability to implement adapt to innovative technology and process workflows.

Knowledge:

Strong understanding of Residential Mortgage products such as VA Conventional & FHA
Non-QM mortgage product knowledge is a plus
Income Calculations employment verification
Credit & asset review
Microsoft products (Outlook Word & Excel)
Credit and background checks will be required.

What we offer you

NASB offers competitive compensation and excellent benefits packages including:

This position will be based out of our Kansas City office with flexibility for remote work one to two days per week.
Comprehensive health insurance (medical dental and vision coverage)
401(k) retirement plan with a 50% employer match on the first 6% of your contribution
Generous paid time off (PTO) including 11 holidays your birthday and volunteer time
Exclusive mortgage and banking benefits.
Employee referral bonuses
Internal training and development programs to help reach your career goals.

If you have any questions please contact .

Note: This job description should not be construed to imply that these requirements are the exclusive standards of the position. The employer has the right to revise this job description at any time. North American Savings Bank (NASB) is an Equal Opportunity/Veterans/Disabled employer.

Mortgage Loan ProcessorOur mission is to create exceptional experiences for our customers that help them achieve their dreams and we seek extraordinary individuals with the talent and passion to help us bring those dreams to life.Are you looking for a fulfilling career with a dynamic company culture...