(Mortgage) Loan Processor Junior

Company: Hilltop Holdings
Location: Richland
Posted on: January 9, 2022

Job Description:

Under the direction of the Branch Manager, the Operations Manager and/or the Processing Supervisor, provides general assistance to loan processors and loan officers in the file set up of mortgage loans. Essential Functions Maintains knowledge of all policies and modifications to the guidelines and standards of the company, federal housing programs, investors, and private mortgage insurers. Opens files, orders credit reports, appraisals and sends out verification forms; conducts regular follow-ups with outside sources regarding outstanding documents. Verifies the data collected, documents communication through the conversation log; ensures loan application is in compliance with underwriting, investor, RESPA, and HMDA guidelines. Reviews all disclosures for completeness and compliance. May assist in the calculation of income, review assets and liabilities. May prepare, when applicable, "Declination Letters." Ensures accurate disclosure of the reason(s) for the adverse action as soon as it is determined that applicants do not qualify. Meets customer service standards as outlined by management. Maintains a professional image and adheres to standards consistent with company policies and procedures. Other functions as needed. The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company. Job Requirements High school diploma or equivalent required. Minimum of 1 year mortgage banking experience required. Valid driver's license and current automobile liability insurance, if driving is required. Excellent written and verbal communication skills. Excellent organizational and time management skills. Demonstrated ability to interact effectively with branch, regional and corporate personnel, as well as realtors, sales agents, builders, appraisers, title companies, etc. Demonstrated judgment and decision making ability. Proficient in Excel, Word, Outlook, with the ability to learn other mortgage-related programs. Must be available to work all regularly scheduled hours; arriving at scheduled reporting time and at the prescribed time after any breaks or lunch periods. Must be able to work overtime, as required. About the Company

Keywords: Hilltop Holdings, Richland , (Mortgage) Loan Processor Junior, Other , Richland, Washington