junior loan processor resume

Acquisition, expansion, and retention of commercial relationships using a proactive calling strategy. Made sure the mortgagee clause reads correctly. This duty is performed daily, about 10% of the time, Perform research on Bankway, Fortis, Image Center and Dimension. - Select from thousands of pre-written bullet points. Credit Risk. Able to work with minimal supervision. CPR/AED and Local Anesthesia certified. Worked as a Junior processor, for the top producing team handling calyx point files prior to underwriter's review. Researches and solves problems relating to such payments and refunds. Compensation is comprised of base pay + variable incentive. Verify Desktop Underwriter (DU) accuracy, file set-up and order out, and status of all outstanding conditions. A Junior Processor is accountable for assessing the financial history of loan applicants and assessing if the applicants are eligible for obtaining the loan or not. title, escrow, insurance), Excellent organization skills and ability to demonstrate control, flexibility, and maintain quality and high productivity when dealing with clients and changing work demand, Overtime may be required based on business needs and is required to be pre approved by manager, Communicate with customers, providing excellent customer service and ensuring the customer relationship is maintained and the highest possible level, Review/set-up loan files for completeness and identify any missing documentation or potential problems, Prepare loan files for funding by reviewing the analysis for accuracy to ensure all regulatory information and loan terms are accurately input into the computer system to meet compliance requirements, Computer/Software Efficiency: Be proficient in financial analysis software, Microsoft Excel, Microsoft Office and other software programs as needed, Excellent organization skills and ability to manage multiple priorities, Knowledge of real estate lending products, regulatory compliance and secondary market guidelines (FNMA/FHLMC/FHA), University or Undergraduate degree preferred, Knowledge of and experience with affordable lending programs strongly preferred: IHDA (Illinois Housing Development Authority), WHEDA (Wisconsin Housing and Economic Development Authority), NHLP (National Housing Law Project) and Home Possible, Verify income, payoffs, home owners insurance, mortgage balance statements, trust agreements, verification of employment, etc, Order and complete detailed review of the title search and flood certificate, Held to a high standard of file documentation to support their loan condition review work and customer interactions, Responsible for compliance with Fair Lending practices of JPMorgan Chase, Adhere to daily quality/audit review standards thru pre-doc draw (PDD) process, Work through and resolve vendor work issues directly with customer and vendors, Accountable for meeting department targets including closing ratio, cycle time, customer satisfaction, etc, Handle outbound and inbound customer, vendor and banking center calls, Upon final approval, coordinate loan closing options with customer, banking center and document preparation, Cross sell other bank products including, but not limited to, DDA & automatic payment debit, Preferred experience as a mortgage or home equity loan processor, Experience in mortgage/processing/financial industry preferred, Proficient at pipeline management with emphasis on organizational and multi-tasking skills, Thorough knowledge of Home Equity policies and procedures, Ability to maintain high quality output while maintaining a pipeline of files at various levels of completion, Ability to work well with all business partners within underwriting, call center, vendor management and banking centers, Responsible for adhering to compliance and regulatory requirements, Effectively and efficiently monitors a pipeline of at least 50 loans with the goal of closing at least 25 loans per month, Obtains necessary customer documentation to support data provided in the applications, Reviews customer submitted documentation to ensure the documentation meets the program guidelines, Validates credit reports, orders appraisals, surveys and title insurance and requests payoffs from other mortgage companies. Get hired faster with Rocket Resume! Responsible for handling the beginning stages of the mortgage loan application process. Review and determine feasibility prior to re-submission to Underwriting, Validate Closing Agent information is added to CAV screen, confirm Agent is approved and in good standing, Complete/Update Net Tangible Benefits and escrow calculation fields, Clear any Customer Loan Processor III conditions using company approved procedures, Validate loan pricing and allocate Borrower, Lender and Seller paid fees following compliance guidelines, Determine if Change of Circumstance guidelines requirements apply and initiate the appropriate document redisclosure procedure, Schedule loan for Closing in accordance with required Ditech Policies. Highly analytical and organized with a demonstrated ability to improve efficiency and effectiveness of programs. Flexible hours may be required to accommodate customer needs, Excellent communication skills (written, verbal, listening), Excellent interpersonal skills and ready to provide customers with a world class mortgage experience, Ability to handle multiple priorities and produce results, Ability to work independently as well as part of a team, Demonstrated ability to process multiple loan products and adapt to new products, Proficiency in Microsoft word and excel application, Ability to confidently utilize technology, Ability to handle high pressure situations with calm assurance, Advocate of change and process improvement, Determine Net Tangible Benefit (when applicable), Set up required Tax and Insurance Escrow accounts with the appropriate premiums, cushions Disbursement amounts and due dates in accordance with RESPA guidelines, Submit a well-documented and complete file to Underwriting that is ready for approval or denial decision, Send written requests or make phone calls to customers, Title Companies/Attorneys, Realtors, and other third parties to obtain additional information required to fulfill the loan, Issue customer correspondence in a timely manner: Incomplete application letters, Adverse Action notices, Commitment letters, required Re-disclosures and any agency or state specific documents, Review Underwriting decision. Process mortgage loan applications to include disclosure review, ordering and verifying title binders, appraisals, verifications of employment, tax. Guide the recruiter to the conclusion that you are the best candidate for the loan processor job. Interface between loan processor, senior loan officer/ mortgage loan originator, underwriter, mortgage lender or mortgage banker, and realtors on behalf of the applicant as needed to ensure a . Credit Credit Analysis Loans Underwriting Mortgage Lending Banking Build your CV now with our simple recruiter-approved CVs & templates. Basic knowledge of accounting, processing terminologies are also needed. To land a role as a loan processor, your resume must articulate your experience, skills and professional achievements in a way that will impress a hiring manager. Ability to respond to credit disputes using the e-oscar system, Title processing: Proficient in title processing and member follow up using the VINtek Title System, Post payments for settlements and bankruptcies, Code bankruptcies and send out dismissal letters, Knowledge of credit application verification process and related documents, Communicate any and all loan changes to Sales, Coordinate closing through the borrower, Title Company and Sales, and request closing through the appropriate department, Communicates actively w/ any third parties, Processes all loan files pursuant to the NPF pre-closing checklist, Prepares loan for Processing Manager sign-off review, Prepares loan file for final clear to close with Underwriting, Communicates any and all loan changes to Sales, Communicates with Sales team in a timely manner, Works in conjunction w/ Sales to ensure every loan in their pipeline is moving through the process, Coordinates all closing requests from Sales to the appropriate departments, Participates in a structured, hands-on training and development program with advancement opportunities, When applicable order third party documents and other pertinent documents, Complete and send 10 Day Letter with appropriate loan documentation and disclosures that meet compliance and regulatory requirements, Responsible for managing assigned pipeline of loan transactions, Reviews and prepares dealer statements and reserve checks, Reconciles / balances daily work station activity, Provides elite customer service to internal and external customers, Applies standards to preserve quality, and timeliness of customer service, Provides elite customer service to the Helpline, Processes maintenance and advance transactions on the loan system, Modifies procedures to ensure processes stay compliant and follow regulations, Meet credit history and criminal background requirements associated with Nationwide Mortgage Licensing System and Registry registration process, to include FBI fingerprint criminal history and review of credit report.Minimum of three years mortgage operations experience, Computer literate with experience using Microsoft Office, Google Mail and other software and applications, Capable of effectively communicating information in a professional manner to customers and internal partners, Able to maintain confidentiality and exercise discretion in the evaluation of information and actions taken, Detail oriented and results-focused, able to organize and prioritize actions to achieve objectives, Able to work successfully within a collaborative environment to meet deadlines and departmental goals, Knowledge of Conventional, FHA, VA, Construction Perm guidelines and compliance guidelines, Ensures the proper and timely completion of loan applications, collecting supporting documentation, pulling credit, documenting assets and liabilities and preparing a comprehensive loan package in preparation for underwriting, Provides best in class service to both the prospective borrower(s) and the sales team partners by delivering consistent and timely feedback throughout the lending process, anticipating borrower needs and vigilantly maintaining service level agreements, Assists borrower in understanding the loan product selected, obtains an interest rate lock from the sales channel and ensures accurate pricing, Ensures the POS and LOS systems are populated with the required application data and that loan/processing statuses are accurately maintained, Coordinates the ordering of appraisal, title, tax, flood and all other documentation, verification or certification required to appropriately decision the loan, Dispositions loans according to the underwriting decision, preparing approved loans for submission to closing or coordinating adverse action notices to applicants, Maintains strict adherence to all compliance and regulatory requirements as well as department policies and procedures, Review loan file to verify procedures per guidelines, Clear prior to close conditions (with signature), Partner with underwriting on difficult/exception issues, Review the Closing Disclosure with the customer prior to the scheduled closing, NOTE** The information listed within this description summary is intended to indicate the general nature and level of work.

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