Mortgage Processor (Hybrid)

Georgia United Credit Union is seeking a Mortgage Processor to support all mortgage loan processing activities. The role involves collecting and verifying information, preparing documents for underwriting, and communicating loan status to all parties involved.

Responsibilities

• Provides exceptional member service and acts as liaison to request required documentation from applicants and follow up on missing items
• Reviews preliminary documents to determine qualification for portfolio and investor products
• Communicates loan program features and benefits to members
• Provides members with timely and periodic status updates on their loan application
• Orders any necessary information such as appraisal, title, flood certs, verifications, insurance, etc
• Reads, understands, and interprets basic real estate contracts and language
• Coordinates activities with underwriters, attorneys, real estate agents and members
• Reviews information for completeness and accuracy
• Clarifies missing or questionable information
• Follows up with members on outstanding documents
• Ensures that all necessary items are available for underwriting
• Tracks development of information to ensure compliance with underwriting guidelines and resolves conditions of underwriting
• Compiles documents and enters data into mortgage loan origination system for assessment
• Submits loan for final approval
• Assures that all member files are complete and in compliance with regulatory agencies and internal policies and investor guidelines
• Communicates the status of loans to members and prepares any other miscellaneous correspondence and records as required
• Resolves or refers requests and problems promptly and courteously
• Answers member loan questions regarding the process of approval
• Keeps management informed of area activities and of any significant problems
• Stays informed of changes in lending standards, related legal requirements and trends in real estate
• Promotes and establishes strong, positive, and productive working relationships within the organization through commitment to the company’s purpose, mission and core values

Skills

• Provides exceptional member service and acts as liaison to request required documentation from applicants and follow up on missing items
• Reviews preliminary documents to determine qualification for portfolio and investor products
• Communicates loan program features and benefits to members
• Provides members with timely and periodic status updates on their loan application
• Orders any necessary information such as appraisal, title, flood certs, verifications, insurance, etc
• Reads, understands, and interprets basic real estate contracts and language
• Coordinates activities with underwriters, attorneys, real estate agents and members
• Reviews information for completeness and accuracy
• Clarifies missing or questionable information
• Follows up with members on outstanding documents
• Ensures that all necessary items are available for underwriting
• Tracks development of information to ensure compliance with underwriting guidelines and resolves conditions of underwriting
• Compiles documents and enters data into mortgage loan origination system for assessment
• Submits loan for final approval
• Assures that all member files are complete and in compliance with regulatory agencies and internal policies and investor guidelines
• Communicates the status of loans to members and prepares any other miscellaneous correspondence and records as required
• Resolves or refers requests and problems promptly and courteously
• Answers member loan questions regarding the process of approval
• Keeps management informed of area activities and of any significant problems
• Stays informed of changes in lending standards, related legal requirements and trends in real estate
• Promotes and establishes strong, positive, and productive working relationships within the organization through commitment to the company's purpose, mission and core values

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