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Responsibilities
- Ensures timely registration of applications and issuance of initial disclosures and/or revised disclosures ensuring Regulatory Compliance.
- Monitors sources applications are received (e.g., consultants, brokers, on-line lending system).
- Contacts applicants, consultants and/or mortgage brokers relative to missing information or documentation.
- Verifies loan terms meet Bank’s guidelines.
- Runs OFAC checks, DNA and Cenlar on all customers.
- Verifies broker/loan originator is registered with NMLS.
- Assigns applications to Processors.
- Implements the processing of Retail and Consumer loan applications by reviewing new applications submitted into the loan origination systems.
- Prepares Wholesale loan application for submission to Underwriting by ordering and evaluating credit reports to determine housing and debt ratios and any indebtedness not included in credit report, as applicable.
- Ensures appropriate forms as required have been appropriately obtained and are a component of all application packages.
- Provides back-up to perform daily financial transactions on Bank’s Core and Mortgage Origination Systems by making appropriate G/L entries for appraisal fees, credit report fees and points paid at time of application and/or Commitment.
- Verifies accuracy of bills for credit reports, flood certifications and tax transcripts prior to requesting and disbursing payment.
- Assists in maintaining proof and control of the department’s G/L accounts by running corresponding daily reports, keeping a control log and comparing the Mortgage Origination System data to that of Nautilus.
- Back-ups in paying fees due brokers by preparing vouchers after careful verification through comparison of Mortgage Origination reports and fees due broker sheets.
- Maintains broker registrations for receipt of complete processing package.
- Provides accurate and timely management reporting.
- Monitors non-delivered packages from Brokers until receipt of complete processed package.
- Assists in the processing of mortgage and consumer loan applications by contacting applicants and/or mortgage brokers relative to missing information or documentation.
- Helps out, where necessary, by performing other related duties which may be required from time to time.
Requirements
- Knowledge of the mortgage and consumer loan application processes including FNMA, Regulatory and Bank Guidelines.
- Strong knowledge of TILA/RESPA.
- Knowledge of good organizational and communication skills.
- Demonstrated knowledge of PCs.
- Demonstrated knowledge of basic accounting and analytical abilities.
- Ability to research differences and bring to resolution.
Salary/Compensations
- $43,400-$51,000/Annually