Home Lending Advocate Sr

0101 The Huntington National Bank; Findlay (OH); Hybrid; USD 29,000 - 43,000; Full time

Benefits offered by this job

Health insurance

Wellness program

Life and disability insurance

Retirement savings plan

Paid leave and PTO

Job summary

The Huntington National Bank in Findlay, OH is seeking a Mortgage Loan Processor 2 to handle processing and pre-underwriting of residential loans, coordinating from receipt to closing. You will communicate with borrowers and loan officers to ensure timely closings.

You will review income, assets, credit, appraisals and insure compliance with RESPA, TILA, HMDA, and other guidelines, while managing a productive pipeline and multi-tasking in a team environment.

Qualifications

• High School Diploma or GED required.
• 1 year of residential mortgage processing experience or related role.
• Familiarity with FHA/VA/conventional loan programs preferred.

Responsibilities

• Process FHA, VA, Conventional, and Jumbo loans.
• Verify and analyze loan documentation including credit reports, income, assets, and appraisal.
• Ensure documentation meets underwriter and program requirements.
• Maintain a timely pipeline and communicate status to borrowers and loan officers.
• Coordinate with origination, underwriters, and clients to ensure timely closings.

Skills

Attention to detail

Multitasking

Communication

Teamwork

Time management

Education

High School Diploma

College degree

Tools

Microsoft Office

Mortgage software

Job description

Description Summary

The Mortgage Loan Processor 2 is a critical customer facing position that performs a wide range of duties related to the processing and pre‑underwriting of residential mortgage loans. Duties are both file and vendor level in nature. Maintains regular contact with both external and internal customers to ensure workflow deadlines are met. Assumes responsibility as the point person and coordinates processing the loan file from receipt in Fulfillment until submission to Closing. Proactively communicates status on the loan to borrowers and loan officer and maintains contact with external and internal partners to ensure expected closing deadlines are met. Primary responsibilities include reviewing and verifying loan documents including W‑2 income, IRS tax returns, self‑employed borrower income, assets, credit, appraisal, condo certification, homeowner’s insurance, title insurance, etc., and ensuring the information is complete, accurate and complies with underwriter and program details.

Must be able to communicate clearly and effectively with multiple people, multitask, work in a team environment, and manage an assigned pipeline. Exceptional attention to detail - the right candidate must be organized, able to multitask and have excellent time management.

Duties & Responsibilities

Processes FHA, VA, Conventional, and Jumbo loans. Financial Analysis – Knowledge of and ability to read, interpret and draw accurate conclusions from financial and numerical material.

Verify and analyze loan documentation including credit reports, income, asset, appraisal, title, homeowner’s insurance documents - as well as general ways to structure a loan.

Ensures a minimum level of documentation (e.g., credit worthiness, analyzing income and asset data) is submitted prior to delivering a loan file to Underwriting for review utilizing fraud and compliance tools, review alerts and clear conditions.

Demonstrate working knowledge of federal and state guidelines, rules and regulations such as RESPA, TILA, HMDA, etc.

Update fees based on the preliminary Closing Disclosure, corrected documents, and loan change requests and ensure any changes which require redisclosure have been accurately notated and checked in the loan origination system for compliance purpose.

Organizes and uploads documents to the image system, validating what has been provided and indexing items into the appropriate folders.

Nurture a pipeline of loans maintaining timely and compliant flow to meet internal and external service level agreements.

Prioritize and monitor daily workflow in order to ensure all loans are being worked on in accordance with expected timelines.

Effective communications – Understanding of effective concepts, tools and techniques; ability to effectively transmit, receive and accurately interpret ideas and information.

Contact borrowers to collect required documentation and be a liaison between origination, underwriters, relators, and borrowers. Borrowers include first time home buyers, private client group, existing and new bank customers, and customers seeking purchase or refinances.

Work closely with our Loan Officers and Personal Production Assistants to ensure a timely and accurate experience of the customer throughout the mortgage process.

Interact with mortgage professionals to obtain information from the borrowers or to seek clarification about documents in the loan files.

Manages an average pipeline of loans within assigned operations center.

Performs other duties as assigned.

Basic Qualifications

High School Diploma/GED Minimum of 1 year of demonstrated residential mortgage processing or previous experience fulfilling the roles of Processor, Loan Officer Assistant, Loan Officer, Closer, or equivalent mortgage operations position.

Preferred Qualifications

College degree.

Current working product knowledge of FHA, VA, Conventional and other loan programs such as Jumbo, Portfolio, construction to permanent, down payment assistance and bond programs.

Experienced in automated underwriting to include Fannie/Freddie (CONV/FHA/VA/RD).

Self‑motivated, self‑reliant person who can succeed in a remote position, working from home.

Excellent disposition, mindset, communication skills and work ethic.

Ability to multi‑task with strong attention to detail while meeting deadlines in a fast‑paced environment.

Strong listening and problem‑solving skills.

A commitment to integrity and customer service.

Demonstrate working knowledge of federal and state guidelines, rules and regulations such as TRID and Reg B.

Ability to analyze income and tax forms accurately and calculate income for all types of borrowers.

Strong knowledge of mortgage procedures, processes, and documentation.

Able to work independently on processing various loan applications.

Able to prioritize in order to meet loan closing deadlines.

Familiarity with Microsoft, mortgage, and banking applications/software.

Exempt Status

(Yes = not eligible for overtime pay) (No = eligible for overtime pay) No.

Workplace Type: Office

Our Approach to Office Workplace Type Certain positions outside our branch network may be eligible for a flexible work arrangement. We’re combining the best of both worlds: in‑office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote roles will also have the opportunity to come together in our offices for moments that matter. Specific work arrangements will be provided by the hiring team.

Compensation Range

$21.00 - $31.00 Hourly the compensation range represents the anticipated low and high end of the base compensation range for this position. Actual compensation will vary based on various factors including but not limited to location, experience, and education. Colleagues in this position are also eligible to participate in an applicable incentive compensation plan.In addition, Huntington provides a variety of benefits to colleagues, including health insurance coverage, wellness program, life and disability insurance, retirement savings plan, paid leave programs, paid holidays and paid time off (PTO). Huntington is an Equal Opportunity Employer.

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At Huntington, we look out for people. From reinventing banking with game‑changing innovations to building an internal culture that creates lifelong bonds, together, we can make people’s lives better. And amazing things happen when we look out for each other. We prove it every day. Whether it’s helping a colleague or collaborating on a new tool that will revolutionize the way we save money, our actions can have a huge impact.

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