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Bilingual Mortgage Processor I

Bilingual Mortgage Processor I

USA JobsRochester, NY, US
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Bilingual Mortgage Processor I

The Bilingual Mortgage Processor I is responsible for processing, coordinating, and managing residential and retail loan processing with direction from the Mortgage Processing Manager.

Essential Functions :

  • Process residential real estate loans while interfacing with Loan Officers, Underwriting, outside vendors (e.g., title insurance, mortgage insurance companies) and Borrowers.
  • Provide excellent customer service involving residential real estate loan processing.
  • Maintain knowledge of the secondary market automated systems for loan processing.
  • Submit loans for approval via automated underwriting systems.
  • Review files for compliance including RESPA, Equal Credit and Fair Lending.
  • Assist Loan Officers, Underwriters and Closers with loan origination, underwriting, and closing of all loan files. Follow loans from application to closing; follow up on appraisal and underwriting conditions.
  • Regularly provide updates to borrower, attorneys, and realtors involved in the transaction.
  • Cross sell Bank products, or refer to a Bank Specialist when appropriate.
  • Keep up to date on Bank Policies, Laws and Regulations that govern residential mortgage lending.
  • Utilize encompass to communicate effectively following the mortgage playbook requirements and by using the processor landing page to send status emails timely.
  • Active participation in demonstrating the behaviors outlined in the GRB Experience.
  • Manage a pipeline of approximately 30+ loans each month (Conventional, USDA, VA and FHA). This includes but is not limited to the initial review process of a loan, the submission of a loan into underwriting, the issuing of the initial commitment letter and moving the loan into the closing department.
  • Respond to emails, voicemails, and all customer requests within 24 hours.
  • Able to calculate all income sources for all income @types such as wage earners, self-employment, retirement and rental income.
  • Close and fund on average approximately 15+ loans each month.
  • Maintain an average of 92% or higher service score on 5 file reviews completed by your manager each month.
  • Maintain an average of 92% or higher on monthly file quality score card.

Secondary Functions :

  • Assist with Bank related assignments.
  • Other duties as assigned.

    • Education and Experience :

  • High School diploma (Associates degree highly preferred) and a minimum of 1-year mortgage processing experience preferred, or the equivalent combination of education and experience.
  • Bilingual in English and Spanish, with the ability to speak, read, and write in both languages.

    • Competencies :

  • Provide a remarkable client experience. Greet clients with warmth, genuine interest and a smile.
  • Lead by example. Identify current or potential problems, take ownership and see them through to resolution.
  • Act as a unified team. Possess strong interpersonal skills including the ability to proactively communicate with and help others, within and across departments.
  • Ability to work independently. Seek and incorporate feedback on your performance from management, coworkers and clients.
  • Ability to work in a fast-paced, deadline driven environment.
  • Demonstrated PC literacy.
  • Ability to manage multiple priorities.
  • Demonstrated verbal and written communication skills required.
  • Organizational skills and attention to detail are required.

    • Physical Demands :

    The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

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    Mortgage Processor • Rochester, NY, US