Mortgage Junior Loan Processor - Alterra Home Loans Job at Panorama Mortgage Group
Job Summary:
The Junior Processor assesses the financial history of loan applicants to determine whether applicant is eligible to obtain the loan.
Responsibilities:
- Research and verify information about loan applicant as required.
- Examines assets given as security and determines whether assets are suitable.
- Helps to examine if the loan applicant has the capacity to repay the loan and ensures the loan applicant has reliable streams of income.
- Pipeline management of loans where disclosures have not been returned.
- Basic Office functions including, but not limited to: assisting LO with making copies, follow up phones calls, collecting and inputting data into system, ordering of items needed for completion of loan file.
- Able to comply with the policies and procedures outlined in the Company Handbook
Supervisory Responsibilities:
This position has no supervisory responsibilities.
Requirements:
- High School Diploma or Equivalent
- One (1) to Three (3) years prior Loan Processing/ Jr. Processing or Loan Set up experience in the mortgage industry is preferred
- Knowledge of Freddie Mac, Fannie Mae and FHA/VA guidelines
- Knowledge of general federal and state mandated consumer disclosure requirements
- Familiarity with automated underwriting technology i.e., Fannie Mae Desktop Underwriter and Freddie mac Loan Prospector
- Proficient in data entry and management
- Must be Familiar with TILA / RESPA Integrated Disclosure (TRID).
- Experience in the mortgage industry preferred
- Ability to deliver effective results
- Reliable transportation, valid drivers license and current automotive insurance
- Sound judgment and decision-making skills
- Ability to work under pressure and meet deadlines with minimal supervision
- Excellent service skills
- Excellent organizational skills
Physical/Sensory Requirements:
- Must be able to lift 25 pounds at a time
- Bend, stoop and stretch as needed
- Prolonged periods of sitting, standing and or ambulating (Employee has some control over the length of time)
- Prolonged use of computers, telephone, and other standard office equipment which includes reading, writing, listening or speaking
- Fluency in English language (written, oral, spoken); fluency in a second language desirable
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