Mortgage Loan Processor; BR 92

Texana Bank; United States; A distancia; USD 36.000 - 50.000; Jornada completa

Descripción de la vacante

Texana Bank Mortgage is seeking an experienced Mortgage Operations professional to conduct initial appraisal of loan applicants, assess credit standings, and interview borrowers to determine loan eligibility. This on-site role reports to the Mortgage Processing Manager and supports underwriting coordination.

Candidates should have TRID knowledge, familiarity with conventional, VA and FHA loans, and strong attention to detail along with excellent communication and sales skills.

Formación

• Post TRID knowledge required.
• Comprehension of direct/indirect lending procedures.
• In-depth understanding of relevant rules and regulations.
• Strong organization skills and detail oriented.
• Excellent communication and sales skills.

Responsabilidades

• Identify customer needs, explore all options, and suggest different types of loans.
• Review files for completeness and accuracy.
• Verify accuracy of system input.
• Coordinate all aspects of submission to underwriting, documentation requests and satisfaction of closing/funding conditions.
• Submit files in a timely manner in accordance with company standards.
• Review pre-audit HUD-1 to ensure accuracy. Work with loan officer and title companies to resolve any discrepancies prior to closing.
• Prioritize workflow to ensure time sensitive files are handled in proper order.
• Forge trust relationship and enhance customer dedication.
• Ensures confidentiality of bank and customer information.

Conocimientos

Loan processing

Regulatory knowledge

Sales skills

Communication skills

Herramientas

Encompass

Descripción del empleo

Position Type: Full-Time, Hourly Non-Exempt

Department: Mortgage Operations

Reports To: Mortgage Processing Manager

Salary Range: $26.44-$36.05 per hour

JOB SUMMARY: Responsible for performing initial appraisal of potential borrowers by thoroughly examining their applications; assessing the credit standings of applicants through background research; and interviewing applicants to evaluate their eligibility for loan or mortgage.

ESSENTIAL FUNCTIONS:

• Identify customer needs, explore all options, and suggest different types of loans. Review files for completeness and accuracy.
• Verify accuracy of system input.
• Analyze file for program applicability.
• Review necessary documentation, such as income and asset documentation, credit report, verifications, appraisal report, preliminary title report, etc.
• Follow up with clients to request additional documents as needed or to clarify important points.
• Provide status updates to loan officers, borrowers, and agents.
• Remain up to speed regarding lending and other financial services.
• Coordinate all aspects of submission to underwriting, documentation requests and satisfaction of closing/funding conditions. Coordinate closings as needed.
• Submit files in a timely manner in accordance with company standards.
• Review pre-audit HUD-1 to ensure accuracy. Work with loan officer and title companies to resolve any discrepancies prior to closing.
• Prioritize workflow to ensure time sensitive files are handled in proper order.
• Assure compliance with all regulatory and governmental standards, guidelines, rules and regulations with all regulatory authorities, federal or state ordinances and administrative regulations and statues.
• Forge trust relationship and enhance customer dedication.
• Ensures confidentiality of bank and customer information.
• Performs other duties as assigned.

Preferred Skills:

• Preferably 5 years or more processing conventional, VA and FHA loans.
• Encompass experience preferred.

Requirements:

• Post TRID knowledge required.
• Comprehension of direct/indirect lending procedures.
• In-depth understanding of relevant rules and regulations.
• Strong organization skills and detail oriented.
• Excellent communication and sales skills.

Equal Opportunity Statement: Texana Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, age, disability, veteran status, or any other protected status under applicable law.

Texana Bank Mortgage

1680 Keller Parkway

Keller, Texas 76248