Mortgage Loan Processor II

North American Savings Bank; Kansas City (MO); On-site; USD 50,000 - 70,000; Full time

Job summary

North American Savings Bank seeks a Mortgage Loan Processor II for its Kansas City location. The role involves ensuring timely communication with borrowers, reviewing mortgage applications, and ensuring compliance with lending regulations. Candidates should possess at least three years of mortgage processing experience and excellent customer service skills. NASB offers a supportive work environment with growth opportunities.

Benefits

Comprehensive health insurance

401(k) retirement plan with employer match

Generous paid vacation and personal days

Exclusive mortgage and banking benefits

Paid holidays and volunteer time off

Employee referral bonuses

Internal training programs

Qualifications

• 3+ years of mortgage processing experience.
• Strong verbal and written communication, customer service focus.
• Detail-oriented with excellent problem-solving abilities.

Responsibilities

• Collect and verify information for mortgage loan applications.
• Ensure compliance with lending regulations and communicate with borrowers.
• Manage a pipeline to meet service deadlines.

Skills

Communication

Analytical Skills

Customer Service

Teamwork

Time Management

Education

High school diploma or equivalent

Bachelor’s degree or equivalent college coursework (preferred)

Tools

Microsoft Outlook

Microsoft Word

Microsoft Excel

Job description

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 it's 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 II to join our Residential Lending Operationsteam.

Job Summary

The Mortgage Loan Processor is an integral part of our team responsible for collecting and verifying the information necessary to process complete mortgage loan applications. The loan processor is responsible for ensuring compliance with lending regulations while communicating with borrowers and loan officers to successfully clear loan conditions. Consistent and timely communication directly with the borrower, any third parties, and real estate agents. Key accountability for all aspects of a file and own the successful borrower outcome and experience.

What you can expect to work on

• Partner with the Loan Officer to ensure a timely and seamless experience for our customers throughout the entire process.

• Provide weekly pipeline update/reviews to team; work proactively with support team to ensure all tasks are received.

• Thorough knowledge of all loan products including Conventional, FHA, VA & NASB’s Portfolio guidelines, with the ability to interpret and apply knowledge to help Loan Officer restructure loan scenarios and clear underwriting conditions.

• Ensure 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.

• Reviews complete files such as application, disclosures, credit, fraud report, assets and liabilities and calculate income prior to initial underwrite.

• Review credit prior to closing for undisclosed debt and address any additional debt not shown on the original credit report.

• Proactively manage a pipeline to key benchmarks including internal service level agreements, contractual dates, and lock expirations.

• 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 regard 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 loan’s ATR/QM status.

What you offer us

Education/Experience:

•A minimum of 3 years previous mortgage processing experience.

•High school diploma or equivalent required; bachelor’s 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 a consistent 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 require minimal supervision.
• Thrive in an environment focused on collaboration and innovation with the ability to implement, adapt to innovative technology and process workflows.

Knowledge:

• Residential Mortgage products, conventional, FHA, VA
• Income Calculations, employment verification
• Credit & asset review
• Microsoft products (Outlook, Word & Excel)

This position is primarily in-office with remote work one to two days per week.

This position will be based out of our Kansas City 435 & Holmes location.

What we offer you

NASB offers competitive compensation and excellent benefits packages, including:

• Comprehensive health insurance options including medical, dental, and vision coverage.
• 401(k) retirement plan with immediate employer match.
• Generous paid vacation, sick and personal days. Plus, enjoy a bonus day off for your birthday!
• Exclusive mortgage and banking benefits.
• Paid holidays, volunteer time off, and free parking at NASB facilities.
• Employee referral bonuses and internal training programs to help reach your career goals.

Note: This job description should not be construed to imply that these requirements are the exclusive standards of the position. Incumbents will follow any other instructions, and perform any other related duties, as may be required. The employer has the right to revise this job description at any time. The job description is not to be construed as a contract for employment. North American Savings Bank (NASB) is an Equal Opportunity/Veterans/Disabled employer.