• 10-May-2018 to 09-Jul-2018 (EST)
  • Mortgage
  • York, PA, USA
  • Hourly
  • Full Time

Position Summary 

Responsible for ordering appraisals and flood certifications, pulling tax transcripts, uploading appraisal files to the Uniform Collateral Data Portal, analyzing financial documentation and calculating Housing to Income, Debt to Income and Loan to Value ratios, verifying loan documentation meets secondary market or bank guidelines. Ensure loans are complete and ready for underwriting, complete file checklist and re-disclose necessary disclosures when required.  Assist borrowers in clearing pre-closing conditions.

Essential Requirements, Duties, and Responsibilities

  1. Review and process information from mortgage loan files for accuracy and validity.
  2. Communicate with borrowers, Realtors, Builders and Title Companies any missing information required for processing of the file.
  3. Proficient knowledge of financial analysis which includes ability to calculate Housing to Income, Debt to Income and Loan to Value ratios.   Strong knowledge of secondary market guidelines for conventional, FHA, VA and USDA Mortgages.
  4. Work closely with the Loan Originator, Underwriter, Closer and other mortgage professionals to insure a smooth transaction for the borrowers.
  5. Review files and insure compliance and secondary market guidelines and/or investor requirements are satisfied. Files are monitored by internal audit, compliance and the supervisor and repeated offenses result in appropriate disciplinary action.
  6. Maintain high level of customer service and communication with internal and external customers.
  7. Adhere to the BRAVO Initiative by taking personal responsibility to deepen client relationships by developing cross-divisional partnerships and using the Encore system to record all client sales and service touches.
  8. Understands the Bank's BSA/AML Policy, including satisfactory completion of required annual BSA/AML training as applicable to position and appropriately applying this knowledge to daily activities and responsibilities, specifically understanding that any suspicious activity must be reported to the BSA Officer immediately.
  9. Performs other duties as assigned.


Educational & Other Requirements

  1. High school graduate or equivalent
  2. Knowledge of secondary market guidelines for conventional, FHA, VA, and USDA Mortgages
  3. Ability to analyze, recognize, and resolve problems
  4. Experience with Microsoft Office suite
  5. Must be bondable.
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