Mortgage Loan Processor

Chubbuck, ID - USA

Monthly Salary: Not Disclosed

Posted on: Yesterday

Vacancies: 1 Vacancy

Job Summary

Handle mortgage loan files from application to closing and assist with processing all incoming mortgage loan files. Work together with Mortgage Loan Officers and Coordinators branch team members Underwriters and third-party vendors in achieving the goals of the department.

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 Officers 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Process denied and withdrawn loan applications.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:

Bachelors 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 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.).

This role offers benefits including:

Competitive Pay
Medical Dental & Vision Insurance
Generous Paid Time Off
Paid Holidays
Matching 401K AND Pension
Tuition Reimbursement
Employee Assistance Program
Employee Wellness Program
Paid Group Life and Disability Insurance
Awesome Culture
And More

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

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 Officers 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:

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.).

This role offers benefits including: