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Mortgage Loan Processor (1st Constitution Bank)
Ref No.: 16-07285
Location: Cranbury, New Jersey
Summary : Process mortgage loans in accordance withregulatory and secondary market guidelines in a paperless environment.

Collectand process all income, asset and credit information.
Contactcustomers by mail, email or phone to request any additional informationrequired to make a credit decision.
Completeappraisal review for accuracy and confirm that the value and property isacceptable.
Exploreall counter offers opportunities to declined applicants. Update loantracking system with verified information.
Acceptrate lock when received after application.
Addressany questions applicant may have during processing.
Checkthat all disclosures are in file and accurate.
Checkthat all required HMDA information is complete and accurate.
Submitloans to a mortgage insurance company if required.
Submitand re-submit files to Desktop Originator or Loan Prospector.
Submitto underwriting when processing is complete.
Receivesigned commitment and conditions from applicant.
Afterapproved, follow up on conditions that are required from the commitment inorder to close loan.
Completeand mail Adverse Action form if loan is denied.
Maintainconstant communications with loan representatives, others members of the teamand management.

Qualifications High school diploma Experience on basic office programs and equipment, Microsoft word, loan tracking systems, fax, copier, calculator, etc. Knowledge of FHLMC guidelines Good written and verbal communication skills Minimum 2 years mortgage loan processing experience.

The abovestatements are intended to describe the general nature and level of work beingperformed by people assigned to this job. They are not intended to be anexhaustive list of all responsibilities, duties, skills, or working conditions.
Inorder to provide equal employment and advancement opportunities to allqualified individuals, employment decisions at 1st Constitution Bank will bemade without regard to race, color, religion, sex, sexual orientation, nationalorigin, age, disability, ancestry, marital status, veteran status or any othercharacteristic protected by law. 1st Constitution Bank intends and desires toprovide for equal employment opportunities in wages, benefits, promotions andall other aspects of employment.

ControlID: 14.234.89 SHR