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Mortgage Loan Processor

West Community Credit Union Rock Hill, MO Full-Time
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Responsible for providing administrative support for all real estate loan processing activities.  Receives, evaluates, and reviews loan applications.  Obtains and verifies necessary information and prepares documents for underwriting and closing review.  Arranges flood zone certification as required.  Communicates loan status to all involved parties including buyer, seller, realtor, title company representatives, and Mortgage Loan Originator.  Obtains proof of insurance as required on mortgage loans.  Assists or refers members as necessary.  Performs post closing document review, uploads final document packages to Investors, and sends files to MCA for quality control reviews.


1.             Assumes responsibility for providing effective administrative support for all phases of mortgage loan activities.

a.             Reviews new loan applications.

b.             Prepares and issues conditional loan approvals for borrowers.

c.             Orders appraisals, credit reports, and title reports.  Verifies employment, salary, assets, and liabilities. 

d.             Resolves loan application problems.  Assists applicants with addressing credit report problems, low appraisals, low salary levels, and high debt ratios.

e.             Reviews information for completeness and accuracy.  Clarifies missing or questionable information.  Follows up with outside sources of outstanding documents.  Ensures that all necessary items are available for underwriting.  Tracks development of information to ensure compliance with underwriting guidelines.  Resolves conditions of underwriting.  Submits loans for final approval.

f.              Communicates loan status to all involved parties including buyer, seller, realtor, title company representatives, and Mortgage Loan Originator. 

g.             Prepares files for closing.  Checks current PR, appraisal, and interest rate lock.  Obtains records for homeowner's insurance and flood certification.

h.             Prepares monthly status report.

i.               Prepares miscellaneous correspondence and records.

                j.              Ensures deadlines are met.

                k.             Proactive in process improvement.

                l.              Cross Train to support Senior Mortgage Loan Coordinator for 3rd Party Broker Program.

              m.              Receives and reviews closed mortgage loan packages for all appropriate signatures and insures all documents needed for investor funding are appropriately completed.

               n.              Electronically uploads loan packages for all saleable secondary market loans to the investor.  Resolves any missing items on post closing purchase audit from Investor.

               o.              Assist Mortgage lending Department with annual Escrow Analysis, including rendering of payment to tax authorities and home owner insurance companies.

2.             Assumes responsibility for establishing and maintaining professional business relationships with members and mortgage professionals.

a.             Resolves (or refers) requests and problems promptly and courteously.  Answers member loan questions regarding applications in the process of approval.

b.             Keeps members and realtors properly informed of Credit Union policies and procedures.  Notifies members of additional information required.

c.             Maintains and conveys the Credit Union's professional reputation.

3.             Assumes responsibility for establishing and maintaining effective coordination and communication with Credit Union personnel and with management.

a.             Assists and supports Mortgage Loan personnel as needed.

b.             Completes reports and records promptly and accurately.

c.             Attends meetings as required.

d.             Keeps management informed of area activities and of any significant problems.

4.             Assumes responsibility for related duties as required or assigned.

a.             Performs miscellaneous clerical functions as needed.

b.             Ensures that work area is clean, secure, and well maintained.

c.             Replaces absent Mortgage Loan personnel as required.

d.             Professionally cross-sells Credit Union services.


Education/Certification:                     High school graduate or equivalent.  Some college level courses  is preferable.                                               

Required Knowledge:                            Understanding of mortgage loan processing functions, including FHA/VA and conventional lending.

                                                                         Knowledge of mortgage related requirements, procedures, and underwriting criteria.

Experience Required:                              Two years of related mortgage office experience.

Skills/Abilities:                                          Good verbal and public relations skills.

                                                                        Strong typing abilities.

                                                                        Good basic math skills.

                                                                        Able to use related computer applications.

                                                                        Well organized.

Please see full Job Description on Company Website.

Skills required

Unsecured Debt
Call Centers
Loan Origination
Mortgage Loans
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