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Job Opportunity: Residential Loan Processor:Job description:
Residential Loan ProcessorResidential Loan ProcessorJOB TITLE: &nb sp; Residential Mortgage ProcessorDEPARTMENT: Residential Lending REPORTS TO: VP Residential Lending FLSA CODE: Non-Exempt ; GRADE: PRIMARY FUNCTION: Perform various lending related tasks. ESSENTIAL JOB tasks AND RESPONSIBILITIES: At Loan Opening » Set up initial physical loan file » Evaluate credit histories for applications » Review loan application for accuracy and missing or erroneous information » Obtain property information regarding taxes and zoning » Prepare and send Loan Estimate (LE) Disclosure and other required disclosures within 3 business days of receipt of application » Order flood certifications » Submit file to underwriting Upon Receipt to LE Disclosure and other requested paper work » Process upfront fees from borrowers » Review contract of sale for completion and other transaction details » Order appraisal from the approved appraiser list » Order title insurance if applicable » Order and required verifications for loan files » Assist Loan agents in gathering requested documentation » Assist Underwriter and Loan agents in clearing commitment conditions » If necessary verify tax returns, employment with use of 4506T and the Work Number ADDITIONAL JOB tasks AND RESPONSIBILITIES: » Completion of Bank assigned online training classes. » Keeps informed of all industry trends. » Attends training programs, webinars, conferences and meetings as required to gain industry expertise and establish relationships with other professionals in the field of Lending. » Performs other tasks and special projects as assigned. EDUCATION, CERTIFICATION, practice: » High school diploma or equivalent certificate required. » Undergraduate degree or equivalent practice required. » A minimum of five years of practice in the residential or consumer lending is required. expertise, expertise, ABILITIES: » Excellent verbal and written communication expertise. » Good presentation expertise. » capability to effectively supervise staff and projects. » capability to multi-task and handle varying deadlines within a fast-paced work environment. » Excellent customer service expertise. » capability to understand and apply basic mathematical concepts. » Working expertise of MS Word and Excel. WORK ENVIRONMENT: » Typically the noise level in the work environment is moderate. » Will have high volume of interactions in person and over the telephone. » Fast-paced environment. » May practice occasional job stress in response to job demands. » There are no significant hazardous conditions. PHYSICAL DEMANDS: » capability to work long hours and handle stress. » Frequently required to sit for prolonged periods of time. » Normal range of vision, hearing, and speaking abilities are required. » The capability to skillfully operate a computer, telephone and other standard office equipment is required. » Occasionally travel outside of work location to attend meetings and training programs. » Occasionally lift and/or move up to 25 pounds. Skills:
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