Role:
Effectively carry out the essential duties and responsibilities of this position in a manner that consistently demonstrates Heart of Louisiana's mission and core in a positive manner.
Essential Functions & Responsibilities:
Process and prepare loan applications for Underwriting by reviewing and verifying all required loan documents are complete and compliant.
Collect required documentation from members and other third-party vendors.
Order title reports, flood certificates, appraisals, and other documentation as requested with appropriate third-party vendors.
Review all documentation received for accuracy and determine if additional research or documentation is needed.
Proactively identifies, communicates, and resolve loan issues early in the process to prevent delays, while effectively managing pipeline volume to meet turn time expectations.
Communicate regularly with Mortgage Loan Originators, members, title companies, realtors, builders, and all other internal/external partners during the loan process.
Track loan statuses from application to closing to meet closing deadlines.
Consistently reviews pipeline to ensure loan notes, statuses and dates are accurate.
Ensure adherence to federal, state, and investor guidelines (ex: TRID, RESPA, HMDA).
Complete final verifications, clear closing conditions, and coordinate closings with title agencies and members to ensure the closing process runs smoothly.
Maintain current knowledge of guidelines, policies and regulations.
Perform other related job duties.
Performance Measurements:
1. Support Heart of Louisiana's mission and values. Show professionalism, empathy and respect in all interactions with members, internal and external.
2. Ability to understand complex written and verbal communications and respond with professionalism and tact by phone, in person, and/or in written format.
3. Ensure all documentation is completed with a high level of accuracy.
4. Require a working knowledge of office practices and procedures, including data processing and the ability to make mathematical computations.
5. Ability to read and comprehend loan applications, insurance policies, appraisals, credit reports manuals, etc.
6. Preserve member confidentiality at all times.
Knowledge and Skills:
Experience
Three or more years of Mortgage Lending experience. Processing and servicing experience preferred. Member services, loan processing and originating preferred.
Education
A high school diploma required. Associate or bachelor's degree in business or finance preferred.
Interpersonal Skills
Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution and building relationships. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.
Other Skills
1.Familiarity with computers and public contact background preferred.
2. Must be detail oriented and accurate.
3. Must have good communication skills.
Physical Requirements
Works requires sitting for the majority of the day. Work also occasional lifting of up to 35 pounds. Occasional bending, squatting, reaching and kneeling in order to access credit union records. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.
