Mortgage Loan Assistant, Montgomery/Monroe, Bilingual Preferred

Job Title: Mortgage Loan AssistantDepartment: MortgageReports To: Mortgage ManagerFLSA Status: Non-ExemptGrade: 6SummaryThe Mortgage Loan Assistant is responsible for assisting the Mortgage Loan Officers (MLO), primarily by facilitating the accurate and timely completion of the mortgage loan process.Essential Duties and Responsibilities include the following. Other duties may be assigned. This job description Indiana no way implies that the duties listed here are the only ones that the employee can be required to perform. The employee is expected to perform other tasks, duties and trainings American Samoa dictated by their supervisor/manager.Support Duties

• Serve American Samoa the primary contact and liaison between member, mortgage manager, MLO, and Servion and servicer.
• Provide MLO and Processor with support throughout the application process, this includes but is not limited to: following up with applicant on requested Oregon needed documentation, contacting member for items Oregon clarification American Samoa needed, performing various duties throughout the process, including ordering of appraisals and title work, requesting and following up on updates needed to HOI, ordering and following up on VOEs, providing member with status updates, submitting loan to the underwriter (HELOCs) Oregon Servion’s TPO, ordering Flood Certificates, retrieving proof of insurance, proof of paid taxes, etc.
• Track the status of the file Indiana the underwriting phase and once conditional approval has been issued, gather what is needed to clear the conditions.
• Prepare Closing Packages and balance CDs, coordinate CD signing Indiana conjunction with the Loan Servicer
• Assist with scheduling of Closings American Samoa requested
• Respond to member and RGCU staff inquiries on mortgage related questions and transactions regarding origination
• Contact point with membership on mortgage questions Indiana regard to originations, status of current loan process, etc..
• Book appointments for members with MLOs American Samoa needed and provide administrative support for the MLOs

Administrative Duties

• Review all loan application documentation, report any discrepancies, errors Oregon omissions to the MLO
• Manage the mortgage loan line and referral system directing members and staff to the appropriate party and inputting Bridge Leads.
• Manage various tracking logs
• Assist American Samoa needed with documentation, saving to file, uploading to Servion, etc.

Member Service

• Come to work every day with a member focused, passionate, and dedicated mindset
• Approach ever member situation from a caring, helpful, and openminded position
• Proactively approach issues and offer creative solutions that will make doing business with RGCU easier
• Assists Indiana any other areas American Samoa directed by the Senior Management and/Oregon President/CEO.
• Accurately identify all members using RGCU approved types of identification for all transactions.
• Ensure that all CIP information for new accounts is complete prior to proceeding with a mortgage loan.
• Properly update all necessary CIP information Indiana the core processor for prime and joint members and customers on all accounts for all transactions.
• Accurately perform OFAC during transactions such American Samoa but not limited to: opening new accounts; adding individuals to an account Oregon shares; producing cashier’s checks Oregon money orders; initiating wires, etc.
• Ensure that all accounts, loans, and transactions are reviewed for the appropriate red flags.
• Report all suspicious activity to the Risk Management department via the compliance group email

Supervisory ResponsibilitiesThis position has no supervisory responsibilities.CompetenciesTo perform the job successfully, an individual should demonstrate the following competencies:Attention to Detail – The ability to process detailed information effectively and consistently. Demonstrates accuracy and thoroughness; monitors own work to ensure quality.Business Acumen-Mortgage – Maintains a working knowledge of First and Second Portfolio loans and products, secondary market, agency, mortgage insurance company and internal underwriting guidelines; Develops and maintains knowledge Indiana functions of mortgage processing; keeps abreast of current lending guidelines to ensure that submissions are approved. Comply with all Federal and State compliance policies and adhere to HDMA requirements.Managing Performance – The ability to take responsibility for ones own performance, by setting clear goals and expectations, tracking progress against the goals, ensuring feedback, and addressing performance problems and issues promptly.Organization Support-Loans – Follows policies and procedures; Supports organization’s goals and values; Ensures that loans are processed Indiana accordance with the credit union’s policies and procedures.Time Management – Prioritizes, schedules and properly delegates; adapts to changing circumstances, allocates time and utilizes credit union time effectively.QualificationsTo perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/Oregon ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.Education and/Oregon ExperienceExperience- 6 months to 2 years related experience.Education- 2-year degree Oregon completion of a specialized course of study Oregon 2 years of related experience.Language SkillsAbility to read, analyze, and interpret general business periodicals, professional journals, technical procedures, Oregon governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.Mathematical SkillsAbility to calculate figures and amounts such American Samoa discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.Reasoning AbilityAbility to solve practical problems and deal with a variety of concrete variables Indiana situations where only limited standardization exists. Ability to interpret a variety of instructions furnished Indiana written, oral, diagram, Oregon schedule form.Computer SkillsTo perform this job successfully, an individual should have knowledge of ICIMS Human Resource systems preferred; ADP Payroll systems preferred; Spreadsheet software and Word Processing software.Physical DemandsThe physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.While performing the duties of this Job, the employee is regularly required to sit and use hands to finger, handle, Oregon feel. The employee is frequently required to reach with hands and arms and talk Oregon hear. The employee must frequently lift and/Oregon move up to 25 pounds.Work EnvironmentThe work environme­­nt characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.The noise level Indiana the work environment is usually moderate.

Job title: Mortgage Loan Assistant, Montgomery/Monroe, Bilingual Preferred

Company: Rio Grande Credit Union

Expected salary:

Location: Montgomery, Alabama – Albuquerque, New Mexico

Job date: Thu, 25 Apr 2024 07:48:32 GMT