Mortgage Processor I

WHAT YOU WILL DO EVERYDAY

As a Mortgage Processor I, you will perform all administrative tasks for mortgage loan processing. You will be responsible for the loan process by verifying information in all loan files, ordering documents needed to complete the files, updating information on the computer system, collaborating with Mortgage Loan Originators (MLO) to provide a seamless delivery to the member/borrower and communicates with the member/borrower to expedite loan approvals.

Direct Reports: None

HOW YOU WILL MAKE AN IMPACT

40%         Performs administrative tasks for mortgage loan processing. Collects and prepares necessary information such as loan applications, credit documents, and appraisals to process and complete mortgage loan files. Verifies all documentation for accuracy and completeness. Updates verified information into computer system(s).

20%         Orders appraisals, surveys, flood certifications, title commitments, and other required documentation. Prepares verification forms for income, deposits and rent for mail, fax or telephone as requested.

20%         Updates computer system based on loan decision made by underwriter. Prepares commitment letters or adverse action letters as needed.

10%         Receives and follows up on outstanding documentation. Upon receipt of sufficient information to make a loan decision, assembles, updates and analyzes data in a timely manner for loan underwriter review.

10%         Interacts with members to answer questions on loan qualification process, sets appointments with loan officer, and promotes all services available at the company.

--              Must comply with all company policies and procedures, applicable laws, and regulations, including but not limited to, the Bank Secrecy Act, the USA PATRIOT Act, and the Office of Foreign Assets Control.

WHAT YOU WILL NEED TO SUCCEED

Experience

2+ years' loan processing experience in the financial industry or related field.

Education / Certifications / Licenses

A High School Diploma or equivalent. Must have a valid driver's license.

PREFERRED SKILLS

• Professional level of verbal and written communication skills are essential to the position.
• Advanced proficiency in Microsoft Office (Outlook, Word, Excel, PowerPoint).
• Demonstrated knowledge of Credit Union regulations, products, policies, procedures, and services.
• Ability to provide world class member service while executing Interra’s vision, mission, and delivery of Core Values.

INTERPERSONAL SKILLS

• Normal courtesy in dealing with others is required. Work involves minimal contacts, usually within the organization. Communications typically involve routine, non-sensitive issues.

COMPETENCIES

• Adaptable - Maintains effectiveness in reaching goals by adapting to changing circumstances, tasks, responsibilities, and people. Adjusts effectively to new work structures, processes, or requirements.
• Balance Stakeholders - Understands the needs of diverse stakeholders and the underlying motivations driving those needs, including cultural and ethical factors. Acts fairly in the decision-making process when faced with conflicting demands of stakeholders.
• Effective Communication - Utilizes a variety of communication modalities effectively and appropriately across multiple channels. Is effective in a variety of communication settings: one-on-one, small, and large groups, or among diverse styles and position levels. Adjusts to fit the message to the audience. Provides timely and helpful information to others across the organization.
• Functional Expertise - Possesses a sufficient level of technical and professional skill or knowledge in position-related areas; keeps up with current developments and trends in areas of expertise; actively seeks ways to grow and be challenged using both formal and informal development activities.
• Self-Motivated - Demonstrates initiative to address challenges, accomplish tasks, and seize opportunities, even when challenged. Demonstrates appropriate urgency and positive attitude while doing so.
• Teamwork - Effective team player who adds complementary skills and contributes valuable ideas, opinions and feedback; communicates in an open and candid manner and can be counted upon to fulfill any commitments made to others on the team.

ADA REQUIREMENTS

Physical Requirements

• Able to bend, sit, and stand in order to perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs.
• Must be capable of climbing / descending stairs in an emergency situation.
• Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators.
• Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary.
• Must be able to work extended hours or travel off site whenever required or requested by management.
• Must be capable of regular, reliable and timely attendance.

Working Conditions

• Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.

Mental and/or Emotional Requirements

• Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team.
• Must be able to read and carry out various written instructions and follow oral instructions.
• Must be able to complete basic mathematical calculations, spell accurately, and understand computer basics.
• Must be able to speak clearly and deliver information in a logical and understandable sequence.
• Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public.
• Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace.
• Must be able to effectively handle multiple, simultaneous, and changing priorities.
• Must be capable of exercising highest level of discretion on both internal and external confidential matters.

ACKNOWLEDGEMENT

Nothing in the position description restricts management’s right to assign or reassign duties and responsibilities to this job at any time.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This Job description is not a contract and should not be constructed as a guarantee of employment for any period of time.  Interra Credit Union is an Equal Opportunity Employer and does not discriminate against employees or applicants based on race color, religion, sex/gender, national origin, disability, age, or any other category protected by law.

Equal Employment Opportunity and Affirmative Action

Interra is an equal opportunity and affirmative action employer committed to creating a diverse workforce.
Qualified applicants will receive consideration without regard to their race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability, or status as a protected veteran among other factors.
Accessibility Accommodation
Interra Credit Union invites all qualified and interested applicants to apply for career opportunities. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity, please contact HR@interracu.com and one of our Human Resources Consultants will contact you within 48 hours.

Why JoinIN

Culture: We believe that a positive work environment is key to success. Staying engaged, informed, and keeping it fun, is how we achieve this.
Professional Growth: Our Learning and Development Team not only provide day 1 training but continuous improvement and career development for all levels.
Competitive Salary: Attractive compensation package with performance-based incentives and bonuses.
Benefits: Comprehensive health insurance, 401(k) matching, tuition reimbursement, company holidays, and generous PTO.
Community Involvement: Being an active member in communities that we are a part of is important to us. We live here, work here and stay involved here!
Visit our Opportunities page for more information.