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

Position Summary
Responsible for ordering appraisals, 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. Place appraisal orders through Oasis system in accordance with the Home Valuation Code of Conduct (HVCC) guidelines.
  3. Communicate with borrowers, Realtors, Builders and Title Companies any missing information required for processing of the file.
  4. 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.
  5. Order flood certifications, verbal employment verifications, and tax transcripts.  Verify that title insurance and homeowners insurance has been ordered.
  6. Work closely with the Loan Originator, Underwriter, Closer and other mortgage professionals to insure a smooth transaction for the borrowers.
  7. 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.
  8. Maintain high level of customer service and communication with internal and external customers.
  9. Answer questions from the Rate Line and Loan Originators regarding loan rates, pricing and product guidelines.
  10. Satisfactorily complete required annual BSA/AML training appropriate for this position by achieving a score of 85% and     appropriately apply this knowledge to daily activities and responsibilities.
  11. Responsible for understanding the Bank's BSA/AML Policy and following the provisions of the policy, specifically understanding that any suspicious activity must be reported to the BSA Officer immediately.
  12. 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".
  13. 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 Reverse Mortgages
3. Ability to recognize, evaluate and resolve problems
4. Experience with Microsoft Office suite
5. Must be bondable.

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