Education : High School Diploma Experience : 36 Hours per Week : 40 Description : Position SummaryThe mortgage loan processor is responsible for the management and processing of a residential mortgage loan application pipeline. The incumbent supports the sales and operations functions of the mortgage lending department through accurate, timely, and professional communication and record-keeping. Essential FunctionsManage a pipeline of up to 45 conventional, government, and/or portfolio mortgage loans.Evaluate all new loan documentation upon receipt to ensure accuracy and completeness.Review loan data in Encompass to ensure accurate, complete and timely information has been entered by the loan officers. Compile and send loan disclosure packages and follow-up with borrowers to ensure timely receipt of signed disclosures. Contact borrowers to communicate approval status after initial underwriting has been completed, and signed disclosure received. Order appraisal, title and other third party services. Collect and review all loan documentation and review all loan conditions prior to re-submission to underwriting for final approval.Communicate with mortgage sales and operations staff in order to maintain a high level of customer service. Support branch network by communicating mortgage loans status, policy, procedures and products.Liaise between realtors, title companies, attorneys and investors.Maintain current knowledge of all industry and bank policies and procedures.Additional FunctionsFollow up with customers to request post-closing loan documentation.Job Requirements and QualificationsJob requires strict attention to details and thoroughness in the completion of job duties.Job requires honesty, integrity, and ethical behavior.Education and ExperienceHigh school diploma or equivalent required. Three years of residential mortgage processing/underwriting experience. FHA experience.Licenses and CertificationsN/AKnowledge, Skills, and AbilitiesKnowledge of principles and processes to ascertain and assess customer needs, meet quality standards of customer service, and evaluate customer satisfaction.Knowledge of Encompass and Desktop Underwriter.Knowledge of administrative and clerical procedures and systems such as word processing, managing data, files, and records, designing forms, and other office procedures.Excellent oral and written communication skills.Excellent computer skills in a Microsoft Windows environment including proficiency in Word and Excel.Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages. Ability to apply concepts of basic algebra.Ability to effectively present information and respond to inquiries from senior management, attorneys, vendors, government agents, and the general public.Ability to write reports and business correspondence.Ability to speak and write clearly in order to effectively convey information so that others understand and as appropriate for the needs of the audience.Ability to apply common sense understanding to carry out written and oral instructions. Ability to deal with problems involving several concrete variables in standardized situations.Ability to work independently with little supervision.Physical RequirementsAbility to sit for long periods of time up to 75% of work hours. Ability to use hands to grasp, handle or feel.Ability to use computer keyboard and system to enter data and process information.Ability to talk, hear, and see. Ability to use telephone to communicate with customers and employees.Ability to use office equipment such as teller scanner, personal computer, telephone, mobile device, copier, fax machine, adding machine, etc.Ability to lift up to 10 lbs. at least 15% of work hours. Ability to read a computer screen at a close distance and type.Working ConditionsModerate sound as in business office with office machines, computers, and people traffic. Open floor County : Hunterdon Primary Phone : 9087134302 Fax Number : 9087134302 Email : Bridget.Walsh@unitybank.com URL : http://unitybank.com/careers