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Home Loan Processor

The Judge Group

Home Loan Processor

Sacramento, CA
Full Time
Paid
  • Responsibilities

    Job Description

    LOCATION: Sacramento, CA DESCRIPTION: Our client is currently seeking a Home Loan Processor in the state of California for a fully remote position. 

    GENERAL DESCRIPTION: Organize, and execute processes related to 1st mortgage and equity loans. Effectively manage a pipeline of mixed product types including: conventional and jumbo products, purchase and refinance transactions, owner-occupied, and 2nd home and investment loan types including manufactured housing and condominiums. Partner with the internal and external Home Loan Advisors to ensure accurate, efficient and timely loan processing. THIS JOB WILL HAVE THE FOLLOWING RESPONSIBILITIES:

    • [TASKS, DUTIES, FUNCTIONS: 
    •  Coordinate and communicate information with Members, Home Loan Advisors and Vendors for loan transaction as it relates to loan processing.
    • Coordinate the ordering of all title reports, flood certificates and follow up on appraisal orders. Review all documentation received for accuracy and determine if additional research or documentation is required. 
    • Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including BSA, RESPA, TILA, TRID and AML laws appropriate to the position.
    • Review and calculate income, including tax returns, and funds verification (assets) from documentation received in accordance with investor guidelines as well as company's policies/procedures and update LOS (Loan Origination System) accordingly. 
    • Read and interpret Desktop Underwriter (DU) findings. 
    • Rerun/Update DU with all updated calculations, appraised value, available funds prior to final approval submission to underwriting, ensuring both DU and the LOS systems match the documentation in file. 
    • Review and evaluate credit documentation for compliance with investor & company policies.
    • Prepare and process general correspondence and document exchange updating LOS (Loan Origination System) with all details for complete tracking purposes. 
    • Manage pipeline to meet a) Company service levels including turn times and member service scores, b) minimum efficiency levels established for position and c) minimum required loan quality. 
    • Complete Home Mortgage Disclosure Act (HMDA) information. 
    • Maintain and respond to quality control issues. Acquire and maintain knowledge of FNMA, company equity products and related investor guidelines. 
    • Perform functions in accordance with company performance competency standards. 
    • Perform other tasks as assigned. 
    •  PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS: 
    •  Effective oral and written communication skills required to interact with members and vendor company staff on the telephone and to perform other clerical functions. 
    • Must possess sufficient manual dexterity to skillfully operate standard office equipment, such as financial calculators, personal computer, facsimile machine and telephone.
    • ORGANIZATIONAL CONTACTS & RELATIONSHIPS: 
    •  INTERNAL: Home Loan staff, Branch staff and various other staff at Corporate Headquarters. EXTERNAL: Title companies, appraisers, realtors, buyers, sellers, members, government agencies and various other vendors.

    QUALIFICATIONS & REQUIREMENTS:

    • EDUCATION: Successful completion of High School curriculum is preferred. Additional work experience may be considered in lieu of a High School diploma. 
    •  EXPERIENCE: A minimum of two years mortgage lending experience, processing experience preferred. 
    •  KNOWLEDGE/SKILLS: Strong analytical and research skills.
    •  Maintain knowledge of real estate industry, company policies/procedures & guidelines and various investor guidelines, including Fannie Mae. 
    • Strong oral and written communication skills. 
    • Strong interpersonal skills. 
    • Strong member relation skills. 
    • Accuracy in calculating income related to loan transactions. 
    • Ability to manage high volume telephone contact. 
    • Attend training provided through seminars, webinars and weekly coaching as compliance, policies/procedures, or work processes dictate.

    CONTACT: arotariu@judge.com This job and many more are available through The Judge Group. Find us on the web at www.judge.com

    Company Description

    The Judge Group, celebrating its 50th anniversary, is a leading professional services firm specializing in talent, technology, and learning solutions. We consult, staff, train, and solve. Through our work we make people and organizations better. Our services are successfully delivered through a network of more than 30 offices in the United States, Canada, and India. The Judge Group serves more than 50 of the Fortune 100 and is responsible for over 9,000 professionals on assignment annually across a wide range of industries. If you would like to learn more about The Judge Group visit www.judge.com or call toll free (800) 360-4474.