Senior Home Loan Processor (Fort Pierce)

Company: AAA
Location: Fort Pierce
Posted on: April 5, 2021

Job Description:

IntroductionA career at The Auto Club Group (ACG) can be satisfying, exciting and rewarding. By aligning your professional development with our business objectives, ACG can help you attain your career goals - and make a difference. Get started by choosing the career that's right for you.OverviewThe Auto Club Group (ACG) provides membership, travel, insurance, and financial services offerings to approximately 9 million members and customers across 11 states and 2 U.S. territories through the AAA, Meemic, and Fremont brands. ACG belongs to the national AAA federation and is the second-largest AAA club in North America.ResponsibilitiesThe Auto Club Group is seeking prospective Senior Home Loan Processors who will review and complete processing of all information submitted on complex, highly detailed, and/or high profile residential mortgage loan applications.In this position, you will have the opportunity to:* Complex loans/files include investor loans, loans associated with special government programs, and/or complicated accounts with short turn-around purchase transactions.* Gather missing information to complete the loan submission process.* Initiate and maintain contact with clients and Home Loan Originator throughout the processing period. Ensure that all documentation is complete and meet all requirements.* Calculate debt-to-income and loan-to-value ratios and assemble a completely documented loan file for submission to underwriting within established timeframes.* Submit loans through a desktop underwriting system (secondary market loan).* Meet all conditions required by the automated loan origination system and/or the home loan underwriter. Prepare required loan disclosures in accordance with regulatory requirements.* Review underwriting conditions when received to ensure documentation meets secondary market loan requirements.* Monitor the overall pipeline to identify triggers that require review.* Work with mortgage loan officers to establish closing dates and meet standards for closing percentages of loans processed.* Perform final review of completed applications packages and prepare files for approval.* Alert underwriter to produce Decline/Withdrawal letters and assist underwriting with the reason(s) for action.* Maintain necessary records to ensure compliance with HMDA reporting requirements and follow-up with title companies for the receipt of recorded documents.* Serve as a lead/resource by proving assistance to lower-level staff.* Handle more advanced/complex items and/or escalated disclosure issues.* Utilize advanced knowledge and methods to identify issues in order to formulate and implement loan-level solutions.* Participate in large projects or lead components of projects.* Ensure an understanding of departmental processes.* Proactively work to identify, recommend, and assist in the implementation of means to enhance department operations.* Maintain ongoing knowledge of industry standards and develop higher-level working knowledge necessary to be successful in the current role and possible progression within a given field.With our powerful brand and the mentoring we offer, you will find your position as a Senior Home Loan Processor can lead to a rewarding career at our growing organization.RequirementsEducation:* High School Diploma or equivalent* Associate Degree in related fieldExperience:* Five years of experience in/with residential mortgage lending of first mortgages sold on the secondary market in a Processor, Closer/Funder or Post Closer capacity to include the following:* Processing conventional, FHA, VA and/or USDA loans in a Processor, Closer/Funder or Post Closer capacity* Processing second mortgages and home equity lines of credit in a Processor, Closer/Funder or Post Closer capacity* Working with and analyze pipeline reports to prioritize pipeline workflow ensuring timely completion of files* Utilizing math concepts including fractions, ratios, statistics, etc.* Processing in-house first and second mortgage loans as well as HELOC s in a Processor, Closer/Funder or Post Closer capacity* Working with underwriters and borrowers for resolution of underwriting issues* Working with secondary market investors to ensure the timely purchase of loans that are sold* Analyzing mortgage loan credit package (income, assets, credit and collateral)Knowledge and Skills:Advanced Knowledge of:* Mortgage loan products, services, pricing, tax and regulatory issues* Mortgage loan processing and closing procedures* FCRA, ECOA, HMDA, REG Z as well as other state and federal consumer/lender regulations regarding the extension of credit* Automated Underwriting and Loan Origination systems, particularly EncompassDemonstrated skills in/with:* Analyzing and solving complex loan processing issues* Organization and planning* PC software applications including Word and Excel* Maintaining accurate recordsAbility to:* Provide input and assistance to less-experienced staff* Professionally communicate with others in a work environment* Adhere to mortgage loan processing and closing procedures* Assist in the development of loan processing process and procedures* Work effectively with Manager, IT, and vendors in regard to the Loan Origination System* Complete detailed tasks accurately and in a timely manner* Prioritize work properly to meet deadlines* Work well under pressure* Work flexible hours including after hours and weekends.Successful Senior Home Loan Processor will possess effective communication skills, ambition, motivation, and drive!Important Note:The above statements describe the principal and essential functions, but not all functions that may be inherent in the job. This job requires the ability to perform duties contained in the job description for this position, including, but not limited to, the above requirements. Reasonable accommodations will be made for otherwise qualified applicants, as needed, to enable them to fulfill these requirements.The Auto Club Group, and all of its affiliated companies, is an equal opportunity/affirmative action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender identity, sexual orientation, national origin, disability, or protected veteran status. Associated topics: collections officer, credit, loan clerk, loan collections, loan processor, mortgage, mortgage clerk, mortgage process, mortgage processor, verification

Keywords: AAA, Fort Pierce , Senior Home Loan Processor (Fort Pierce), Other , Fort Pierce, Florida