Sr. Loan Processor

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Job description

OUR MISSION

First and foremost Certainty Home Loans is about people. We're about doing whatever it takes to find the right home mortgage for you. We are about personal attention, about simplifying the process through our expertise and transparency. Because in an industry where many of the products stay the same, it is the team of individuals helping you and the service they provide that make the difference.

OUR HISTORY

In January 2000-armed with passion, ethics, and experience-we wanted to create a successful company built on forming solid partnerships with real estate agents and builders who shared a similar vision; to make home ownership a reality by putting people first. At the time, it was a unique concept in the home mortgage industry. We opened the doors to the public on March 1, 2000 as WR Starkey Mortgage, LLP.

Today, our name has changed to Certainty Home Loans, LLC but our core belief in treating people right while providing unparalleled customer service and mortgage expertise remains. We are nationally recognized with a reputation for offering a wide range of loan products and a commitment to the communities we serve.

OUR CULTURE

We never want to lose sight of our values and the importance of the individual. We hire talented, entrepreneurial individuals to run our day-to-day operations. These individuals are selected because of their abilities to grow our company while maintaining exceptional customer support. People are our #1 asset at Certainty Home Loans. Our approach is to involve all employees in the direction of the company by allowing them to provide direct feedback to management. This provides the incentive for all employees to manage the business as if it were their own.

As a Sr. Loan Processor, a typical day might include the following:

The Sr. 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. Pro-actively maintains control of the loan file, monitors dates for approval, appraisals, purchase deadlines 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.

* Obtain documentation from borrowers to assemble a complete loan package prior to underwriting.
* Orders supporting documentation, such as appraisals, verifications of employment, verifications of deposits, etc.
* Evaluates loan applications for reasonableness and, if needed, escalates files for further evaluation
* Communicates with title company, appraiser, and other vendors as required
* Examine documentation prior to submission to underwriting. Address any potential issues.
* Work in concert with the Loan Originator, customer, buyer's agent, and underwriter throughout the loan process.
* Prepares and sends approval and denial letters
* Applicant must possess strong oral and written communication skills
* Performs such other duties as required by management.

This job might be for you if:

* 3 years of experience processing single-family residential loans, including Conventional, FHA, VA, and Brokered loan applications
* Expert knowledge of standard loan practices, documents, and real estate terminology
* Understanding of salaried and hourly income calculations and have the ability to accurately analyze self-employed income
* Experience with common GSA's (FNMA, FHLMA, FHA, VA, USDA)
* Knowledge of AUS systems (LP & DU)
* Excellent written and verbal communication skills.
* Excellent organizational and time management skills.
* Demonstrated ability to interact effectively with branch, regional and corporate personnel, as well as title companies, appraiser, etc.
* Demonstrated judgement and decision making ability.
* Must be able to work all regularly scheduled hours; arriving at scheduled reporting time and at prescribed time after any breaks or lunch periods.

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