Arvest Bank · 1 day ago
Mortgage Hybrid Processor - Bilingual
Overland Park, KS
Full-time
Hybrid
Entry, Mid Level
$22.50/hr - $28.10/hr
2+ years expArvest Bank is seeking a Mortgage Hybrid Processor who independently manages complex mortgage loan applications while ensuring compliance with program and regulatory guidelines. The role requires direct communication with stakeholders and demands high independence, efficiency, accuracy, and confidentiality in managing a pipeline of complex files.
BankingFinanceFinancial Services
Responsibilities
Analyze loan files to ensure all documentation adheres to program and regulatory guidelines across a diverse range of loan types to ensure compliance with the investor regulatory guidelines
Engage directly with borrowers, mortgage loan officers, title companies, insurance agents, realtors, and other relevant parties, fostering strong relationships with borrowers through ongoing communication, support through closing
Conduct initial reviews, update loan files with preliminary conditions, and directly communicate these conditions to borrowers. Proactively identify and obtain missing documentation from borrowers before loan submission for underwriting decisions
Review new loan files pre and post-underwriting, identify necessary items from existing documents in preparing the documentation to be forwarded for underwriting review and completion
Monitor and address all file alerts within the Loan Origination System (LOS) from receipt through closing. Reconcile and correct loan applications in the LOS as documents are received, resolve discrepancies, and rerun AUS for accurate findings
Monitor NOI (Notice of Incompleteness) and Regulation B dates to ensure compliance with regulatory deadlines, issuing NOI or closing files for incompleteness as required
Analyze and calculate qualifying income by thoroughly reviewing credit, income, asset, and tax documentation for various borrower types and determine the need for additional documents. Review customer and third-party documentation to determine the need for additional documents or clarifications
Monitor the assigned pipeline for required Verbal Verifications of Employment (VVOEs) to prevent delays in closing
Review files for flood certification and order if missing. Review flood certifications to determine if the subject property is located in a flood zone and print flood maps to identify the location of all structures, if applicable
Collaborate with the assigned mortgage loan officer to promptly order appraisals when required. Monitor, follow up on, review, and deliver appraisals in a timely manner, notifying the underwriter and appraisal team of any discrepancies
Manage all aspects of assigned pipelines, including verifications, to ensure compliance with service level agreements and timely follow-up and a high degree of independence. Achieve underwriting approval on the first Resubmission at least 90% of the time
Maintain a comprehensive understanding of investor guidelines, all loan programs, and regulatory requirements, and stay current with any updates
Independently make appropriate loan decisions that adhere to AllRegs/Selling Guides/Lender Handbooks and Arvest Policies and Procedures, with minimal supervision
Review and ensure the presence of case numbers and acceptable CAIVRS in government loan files
Run fraud reports, review for potential borrower and/or property fraud, and follow appropriate procedures for suspicious activity
Understand and comply with bank policy, laws, regulations, and the bank's BSA/AML Program, as applicable to your job duties. This includes but is not limited to: complete compliance training and adhering to internal procedures and controls; report any known violations of compliance policy, laws, or regulations; and report any suspicious customer and/or account activity
Qualification
Required
High School Diploma or General Education Degree (GED)
2 years of experience reviewing mortgage credit application files
2 years of mortgage processing experience or equivalent
1 year of processing government loan files or equivalent
1 year of detailed contact with customers, realtors and title companies
1 year of analyzing and calculating qualifying income
Working knowledge of all real estate regulations, including, but not limited to RESPA, TRID, TILA, Fair Credit Reporting Act, Fair Lending, Reg B (ECOA), Reg C (HMDA) and Flood Act, and Interagency Appraisal and Evaluation Guidelines
Relevant military experience is considered for veterans and transitioning service members
Preferred
Current experience as a Mortgage Sales Assistant
Recent mortgage processing experience
Bilingual English and Spanish Fluency
Arvest experience
Benefits
Comprehensive suite of benefits
Full range of health and life, financial, and wellness benefits
Competitive compensation
Benefits packages
Significant professional growth
Excellent benefits package
Company
Arvest Bank
Arvest Bank is a community-based financial institution serving more than 110 communities in Arkansas, Kansas, Missouri and Oklahoma.
5001-10000 employees
Funding
Current Stage
Late StageLeadership Team
M
Matt Machen
President & COO
Y
Yurik Paroubek
Chief Operating Officer
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