Mortgage Processor

Burke & Herbert Bank & Trust; Camp Hill (Cumberland County); Hybrid; USD 20,664 - 48,216; Full time

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

Job summary

Burke & Herbert Bank & Trust is seeking a Mortgage Loan Processor to handle secondary market and in-house portfolio loans. The role involves gathering borrower documents, reviewing disclosures, ensuring file completeness, and submitting to underwriting.

The position requires strong customer service, effective communication, and attention to privacy and regulatory compliance. Office-based with potential telework options; experience with AUS is a plus.

Qualifications

• Excellent customer service in person and on the phone.
• Ability to handle stressful situations calmly and courteously.
• Effective written and verbal communication.

Responsibilities

• Process secondary market and in-house portfolio mortgage loans.
• Prepare or review disclosures to TRID guidelines.
• Serve as liaison between underwriter, loan originator and client.

Skills

Customer service

Communication

Stress management

Bilingual (Spanish) preferred

Education

Associate's Degree preferred

Tools

MS Word

Excel

Outlook

Job description

Burke & Herbert Bank & Trust

CLASSIFICATION: Non-exempt

REPORTS TO: Manager of Mortgage Loan Operations

JOB DESCRIPTION

Summary/Objective

Responsible for processing all secondary market and in-house portfolio loans which includes gathering documents from borrowers, reviewing and/or preparing disclosures, ensuring application is complete and accurate, ordering all necessary reports for the file, and submitting to underwriting.

Essential Functions

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Process Secondary Market and In-house portfolio mortgage loans.
• Prepare or review disclosures to TRID guidelines.
• Customer Service
  • Act as a liaison between underwriter, loan originator and client.
  • Provide Originator with timely and periodic status updates of their loan application.
  • Return all inquiry calls within one business day.
• Customer Intake and Data Entry
  • Collect required documentation from Originator and client and follow up on missing items.
  • Establish, maintain, and update files, databases, records, and/or other documents for recurring internal reports.
  • Order title reports, verifications, flood certs and appraisals.
  • Analyze AUS with credit reports, income, and asset documentation.
• File System Management
  • Ensure that all customer files are complete and in compliance with regulatory guidance and internal policies.
  • Ensure customer privacy and security of files.
  • Index documents to Document Imaging System.
• Administrative Support
  • Prepare denial letter(s), withdraws, and cancel files when necessary.
  • Process the documents received for each file, verifying the accuracy and completeness of each document.
  • Participate in regular process/ system reviews to support a process on ongoing improvement.

Other Duties

• Other duties as assigned

Skills/Abilities

• Requires excellent customer service in person and on the phone.
• Must be able to handle stressful situations in a calm and courteous manner.
• Must be able to communicate effectively, both verbally and in writing.
• Requires excellent record-keeping and file management skills.
• Knowledge and experience using MS Word, Excel, Outlook
• Bi-lingual (Spanish) preferred.

Supervisory Responsibility

This position does not have supervisory responsibilities.

Work Environment

This job generally operates in an office setting; with a preference for candidates who can work out of our company locations. Telework and/or fully remote options may be considered on a candidate by candidate basis.

This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. Office environment with job duties conducted via telephone, face to face meetings, and on the computer.

Physical Demands

This position requires manual dexterity, the ability to lift files and open cabinets. This position requires bending, stooping or standing as necessary.

Travel

Limited local travel may be required for this position.

This position is classified as non-exempt, and as such it is paid on an hourly basis. The pay range for this position, which would encompass the job being performed in any location, would be $15.00 per hour to $35.00 per hour. Actual starting compensation would be based upon the qualifications of the selected candidate and their work location. Other compensation includes overtime paid at one and one-half times the normal hourly rate for any hours worked in excess of 40 in a workweek. This position is classified as full-time and the benefits package includes health insurance, dental insurance, vision insurance. Employees may select from coverage options which range from employee only to family coverage.

Education and Experience

• Associate's Degree preferred.

• Knowledge of basic lending, real estate contracts and language, foreclosure, short sales and delinquent accounts is preferred.
• Understanding of all mortgage loan products (FHA/VA/CONV/USDA/ In-House) and knowledge of mortgage procedures, processes and documentation requirements is preferred.
• Knowledge and experience using AUS (Automated Underwriting System), MS Word, Excel, Outlook is preferred.
• Knowledge of basic accounting processes and procedures is preferred.

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

This employer is an equal opportunity/affirmative action employer. All qualified applicants will receive consideration for employment without regard to sex, gender identity, sexual orientation, race, color, religion, national origin, disability, protected veteran status, age, or any other characteristic protected by law.

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