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Senior Mortgage Loan Processor (Hancock Holding Company)
Ref No.: 16-07816
Location: Gulfport, Mississippi
Essential Duties And Responsibilities

JOB SUMMARY:
Verifies that the information received is accurate and acceptable. Requires a basic knowledge of mortgage documents, review underwriting conditions, acquire required documentation, and is responsible for the final presentation of the loan package to an underwriter for the final decision by performing the following duties.

ESSENTIAL DUTIES & RESPONSIBILITIES:
  • Reviews and inputs incoming documents (i.e. VOE, VOD, credit, etc.) into Mortgage Loan Operating System (LOS)
  • 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.
  • Reruns Automated Underwriting System (AUS) to ensure same automated decision is applicable
  • Recommends that loan not meeting standards be denied
  • Calls specified companies to obtain property abstract, survey, and appraisal if needed
  • Determines if appraisal is to be ordered and what type
  • Reviews appraisal for errors and meets underwriting criteria and notifies lender of any discrepancies
  • Informs supervisor of discrepancies in title or survey
  • Assembles file in electronic imaging system and reviews for completeness and accuracy
  • Notes the estimated closing date and type of transaction
  • Reads notepad for pertinent information not obvious in file, identifies missing items and notifies appropriate party
  • Orders updates to credit report
  • Requests needed documentation not previously requested
  • Reconciles LOS and AUS
  • Gathers all required documentation prior to closing and resubmits for final approval
  • Submits mortgage loan application file for underwriting approval
  • Orders flood determination
  • Types and mails approval and denial letters to applicants
  • Confirms closing date and location of closing
  • Sends out construction package if necessary to branch lenders
  • Prepares closing sheet and sends file to closing department for settlement
  • Notates denial or withdrawal status in LOS and prints appropriate package
  • Submits denied files to underwriting for review and signatures
  • Reconciles fees to determine if funds are missing
  • Records data on status of loans, including number of new applications and loans approved, canceled, or denied
Minimum Required Education, Experience, Licenses And Certifications

MINIMUM REQUIRED EDUCATION, EXPERIENCE, & KNOWLEDGE:
  • Required: High school diploma or general education degree (GED)
  • Four to six years of mortgage lending or similar financial experience and/or education.
  • Ability to communicate effectively orally and in writing using the English language
  • Ability to calculate figures and amounts such as discounts, interest, commissions, proportions and percentages
  • Working knowledge of, Microsoft Office products to include Word, Excel, Access, PowerPoint and Outlook
ESSENTIAL PHYSICAL & MENTAL REQUIREMENTS:
While performing the duties of this job, the employee is regularly required to sit, use hands to finger, handle or feel; and talk or hear. The employee is frequently required to reach with hands and arms. The employee is occasionally required to stand; walk and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision requirements are close, distance and color vision, ability to adjust focus and depth perception. Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. The noise level in the work environment is usually moderate.

Primary Location
: United States-Mississippi-Gulfport-GPTMN-Gulfport Main - OHP MS
Work Locations
:
GPTMN-Gulfport Main - OHP MS
2510 14th Street
Gulfport 39501
Job Category
: Mortgage
Organization
: Whitney Bank - Retail - Hancock Mortgage
Shift
: First Shift
Job Type
: Experienced
Job Level
: Individual Contributor
Travel
: No

ControlID: 14.234.89 SHR