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Mortgage Loan Processor

Academy Mortgage Corporation

This is a Contract position in Raleigh-Durham, NC posted December 1, 2021.

Academy Mortgage Corporation is currently seeking a Mortgage Loan Processor to join our team! The Loan Processor works with loan officers, borrowers, and third-party providers to obtain documentation and submit a thorough, accurate, and complete loan package to Underwriting. The Loan Processor maintains control of the loan file, monitors dates for approval, appraisals, and closing, and ensures that all deadlines are met in a timely and efficient manner. Recognizes and resolves challenges early in the process, and provides excellent customer service. Delivers a complete loan file to the Closing Department within established company deadlines.

Essential Job Functions & Responsibilities:

  • Reviews residential loan application files to verify that application data is complete and meets company standards, including type and amount of mortgage, borrower assets, liabilities, and length of employment; in some cases, recommends a loan application not be sent to Underwriting.
  • Prepares necessary documents and submits mortgage loan application files for underwriting approval.
  • Calls specified companies to obtain property abstract, survey, and appraisal.
  • Orders FHA case numbers, and tax transcripts, as appropriate.
  • Submits conditions to Underwriter to clear loan for approval.
  • Follows up on all outstanding orders to third parties and borrowers within established company deadlines
  • Calls or writes credit bureau, employer for verification of employment, (VOE) and any other third party necessary to verify the accuracy of information.
  • Prepares file for closing and submits to Closer.
  • Mails approval and denial letters to applicants.
  • Produces loan documents, reports, and new accounts in a timely fashion, with zero unresolved errors.
  • Accurately prepares file for processing and/or processes loan files within established branch timelines.
  • Provides friendly, accurate, professional service to customers and employees by responding to messages and correspondence in a timely manner.
  • Performs other duties as assigned.

Education and Experience: 2-3 years current mortgage processing experience; experience must be within the last two years. A High School Diploma or equivalent education and work experience is required. Encompass experienced is required. Experience reviewing and calculating income is also required.

Interpersonal Skills: Work normally involves contacts with persons beyond immediate associates, generally regarding routine matters for purposes of giving or obtaining information, which may require some discussion. External contacts take the form of service to the public (customers or vendors) and requires ordinary courtesy in providing assistance or exchanging factual information.

Other Skills: Basic word processing and computer skills are required.

Physical Requirements: Requires effective communication with customers and/or other employees using common telecommunications equipment and computer equipment. Must be able to read, examine, and organize documents in English. May require the ability to sit, stand, and walk around for extended periods of time. May also require the ability to lift up to 25 pounds.

Work Environment: Position will often be in a busy office environment. The ability to multitask and focus in this environment is essential.

Disclaimer: This Job Description is not a complete statement of all duties and responsibilities comprising this position.

Academy Mortgage Corporation is an EEO Employer, who participates in E-Verify. Reference checks are a prerequisite of employment. All offers are contingent on successful completion of a criminal background check and credit checks, as required by state regulation. All successful candidates must provide original documents that will establish their identity and eligibility to work in the United States as required by the Immigration Reform and Control Act.

We thank all individuals for their interest in Academy Mortgage however, only those selected for interviews will be contacted.

AA/EOE/M/F/D/V

Job Type: Full-time

Benefits:

  • 401(k)
  • 401(k) matching
  • Dental insurance
  • Disability insurance
  • Employee assistance program
  • Flexible spending account
  • Health insurance
  • Health savings account
  • Life insurance
  • Paid time off
  • Parental leave
  • Retirement plan
  • Vision insurance

Supplemental Pay:

  • Bonus pay

Experience:

  • Recent Mortgage Processing: 2 years (Required)
  • Recent FHA, VA, and Conventional Loan: 2 years (Required)
  • Recent Bond or USDA: 1 year (Preferred)
  • Encompass: 1 year (Preferred)

Work Location:

  • Multiple locations

Work Remotely:

  • Yes