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Huntington National Bank · 14 hours ago

mortgage loan processor-2

Charlotte, NC

Full-time

Hybrid

Entry Level

1+ years exp

Huntington National Bank is a financial institution seeking a Mortgage Loan Processor 2. This role is essential for processing and pre-underwriting residential mortgage loans, maintaining communication with customers, and ensuring compliance with various guidelines.

Asset ManagementFinanceFinancial Services

No H1B

Responsibilities

Processes FHA, VA, Conventional, and Jumbo loans

Financial Analysis – Knowledge of and ability to read, interpret and draw accurate conclusions from financial and numerical material. Verify and analyze loan documentation including credit reports, income, asset, appraisal, title, homeowner’s insurance documents - as well as general ways to structure a loan

Ensures a minimum level of documentation (e.g., credit worthiness, analyzing income and asset data) is submitted prior to delivering a loan file to Underwriting for review utilizing fraud and compliance tools, review alerts and clear conditions

Demonstrate working knowledge of federal and state guidelines, rules and regulations such as RESPA, TILA, HMDA, etc

Update fees based on the preliminary Closing Disclosure, corrected documents, and loan change requests and ensure any changes which require redisclosure have been accurately notated and checked in the loan origination system for compliance purpose

Organizes and uploads documents to the image system, validating what has been provided and indexing items into the appropriate folders

Nurture a pipeline of loans maintaining timely and compliant flow to meet internal and external service level agreements

Prioritize and monitor daily workflow in order to ensure all loans are being worked on in accordance with expected timelines

Effective communications – Understanding of effective concepts, tools and techniques; ability to effectively transmit, receive and accurately interpret ideas and information

Contact borrowers to collect required documentation and be a liaison between origination, underwriters, relators, and borrowers. Borrowers include first time home buyers, private client group, existing and new bank customers, and customers seeking purchase or refinances

Work closely with our Loan Officers and Personal Production Assistants to ensure a timely and accurate experience of the customer throughout the mortgage process

Interact with mortgage professionals to obtain information from the borrowers or to seek clarification about documents in the loan files

Manages an average pipeline of loans within assigned operations center

Performs other duties as assigned

Qualification

Mortgage processingFinancial analysisLoan programsAutomated underwritingFederalState guidelinesCustomer serviceMicrosoft applicationsCommunication skillsAttention to detailProblem-solving skills

Required

High School Diploma/GED

Minimum of 1 year of demonstrated residential mortgage processing or previous experience fulfilling the roles of Processor, Loan Officer Assistant, Loan Officer, Closer, or equivalent mortgage operations position

Preferred

College degree

Current working product knowledge of FHA, VA, Conventional and other loan programs such as Jumbo, Portfolio, construction to permanent, down payment assistance and bond programs

Experienced in automated underwriting to include Fannie/Freddie (CONV/FHA/VA/RD)

Self-motivated, self-reliant person who can and is willing to work in the office four days per week

Excellent disposition, mindset, communication skills and work ethic

Ability to multi-task with strong attention to detail while meeting deadlines in a fast-paced environment

Strong listening and problem-solving skills

A commitment to integrity and customer service

Demonstrate working knowledge of federal and state guidelines, rules and regulations such as TRID and Reg B

Ability to analyze income and tax forms accurately and calculate income for all types of borrowers

Strong knowledge of mortgage procedures, processes, and documentation

Able to work independently on processing various loan applications

Able to prioritize in order to meet loan closing deadlines

Familiarity with Microsoft, mortgage, and banking applications/software