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Verifies, compiles, and types application information for mortgage loans by performing the following duties.
Essential Duties and Responsibilities include the following.
Reviews residential loan application file to verify that application data is complete and meets establishment standards, including type and amount of mortgage, borrower assets, liabilities, and length of employment.
Review and correct data within LOS to accurately reflect loan terms and costs.
Submits loan data through LOS to Automated Underwriting System (AUS) to determine likelihood of loan acceptability and approval.
Reconciles credit information provided by borrower(s) with credit report(s).
Calls borrower(s) to discuss or confirm accuracy of credit report information.
Calls or writes employer to verify accuracy of information provided by borrower(s).
Review and correct all data within LOS relating to credit, debts, income and assets based on verified documentation.
Records data on status of loan documents needed.
Informs supervisor of discrepancies in title.
Submits mortgage loan application file for underwriting approval.
Requests and gathers conditions requiring review prior to closing, and submits for underwriting approval.
Communicates loan approval.
Gathers all necessary hazard insurance information and assists borrower in clearing title exception issues.
Other duties may be assigned.
This job has no supervisory responsibilities.
To perform the job successfully, an individual should demonstrate the following competencies :
Analytical - Collects and researches data.
Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Works well in group problem solving situations.
Customer Service - Manages difficult or emotional customer situations; Responds promptly to customer needs.
Interpersonal Skills - Maintains confidentiality.
Oral Communication - Listens and gets clarification; Responds well to questions.
Written Communication - Presents numerical data effectively; Able to read and interpret written information.
Motivation - Sets and achieves challenging goals; Demonstrates persistence and overcomes obstacles; Measures self against standard of excellence.
Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently; Sets goals and objectives; Organizes or schedules other people and their tasks.
Quality - Demonstrates accuracy and thoroughness; Looks for ways to improve and promote quality; Monitors own work to ensure quality.
Quantity - Completes work in timely manner; Strives to increase productivity; Works quickly.
Attendance/Punctuality - Is consistently at work and on time; Ensures work responsibilities are covered when absent.
Dependability - Follows instructions, responds to management direction; Takes responsibility for own actions.
Initiative - Seeks increased responsibilities; Asks for and offers help when needed.
Innovation - Generates suggestions for improving work.
Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education and/or Experience
High school diploma or general education degree (GED); and three years related Loan Processor experience and/or training; or equivalent combination of education and experience. Knowledge of Loan Origination Systems and familiar with DU and LP preferred. Candidates must speak English and be bi-lingual in Cantonese or Mandarin.
ControlID: 14.234.89 SHR
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