Mortgage Processor

REV; Summerville (SC); On-site; USD 45,000 - 60,000; Full time

Job summary

REV in Summerville, South Carolina, is seeking a Mortgage Loan Processor to ensure quality processing of mortgage loans according to credit union policies. Candidates should have a minimum of 4 years' experience in processing conventional and government loans, a high school diploma, and strong communication skills. Responsibilities include preparing loan packages, coordinating communications, and ensuring compliance with regulatory standards. This role offers growth opportunities and the chance to make a significant impact in the organization.

Qualifications

• Minimum 4 years of experience processing conventional and government loans.
• Knowledge of real estate lending criteria, compliance, and federal/state regulations.

Responsibilities

• Provide quality mortgage loan processing according to credit union policies.
• Prepare loan underwriting package for submission to underwriter.
• Obtain all needed deposit, income & employment verifications.
• Order appraisals, flood determinations, and private mortgage insurance.
• Coordinate communications between members and other parties.
• Request payoffs and insurance declaration pages.
• Comply with Credit Union Policies and Procedures.
• Provide back-up to other Real Estate Lending staff as needed.

Skills

Organizational skills

Oral communication

Written communication

Microsoft Word

Microsoft Excel

Experience with Calyx Point

Experience with Meridian Link/Loans PQ

Experience with Encompass Software

Education

High school diploma or equivalent

Job description

Responsibilities

• Provides members and Real Estate Lending personnel with quality mortgage loan processing according to the credit union's policies, practices, and procedures. Keeps abreast of all Fannie Mae underwriting guidelines as required.
• Prepares loan underwriting package for submission to underwriter.
• Obtains all needed deposit, income & employment verifications for loan packages.
• Orders appraisals, if applicable, flood determinations, and private mortgage insurance.
• Coordinates communications between members, realtor, attorney, seller, and appraisal management firm.
• Requests payoffs and updated insurance declaration pages showing the desired mortgagee clause.
• Complies with Credit Union Policies and Procedures, as well as regulatory compliance.
• Provides back-up to other Real Estate Lending staff as needed.
• Assumes other duties and responsibilities as required or assigned.

Education & Certification & Experience

• Minimum 4 years of experience processing conventional and government loans
• High school diploma or equivalent
• Knowledge of real estate lending criteria, compliance, and federal/state regulations

Skills & Abilities

• Excellent organizational, oral, and written communication skills
• Ability to perform in a fast-paced environment typical of Mortgage Banking
• Experience with Microsoft Word & Excel
• Experience with Calyx Point, Meridian Link/Loans PQ, or Encompass Software

Preferred Qualities

• Team Player: Works well as a member of a group
• Detail Oriented: Capable of carrying out a given task with all details necessary to get the task done well
• Dedicated: Devoted to a task or purpose with loyalty or integrity
• Enthusiastic: Shows intense and eager enjoyment and interest
• Self-Starter: Inspired to perform without outside help
• Growth Opportunities: Inspired to perform well by the chance to take on more responsibility
• Goal Completion: Inspired to perform well by the completion of tasks
• Ability to Make an Impact: Inspired to perform well by the ability to contribute to the success of a project or the organization

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
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