Sr. Loan Processor

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Job description

About Us

Churchill Mortgage began in 1992 with the core value of providing the highest level of integrity to each and every customer, meaning we tell our customers what is best for them even when it means we won't close their loan. We have found over and over again that treating people the way we want to be treated is not only the right thing to do, but it builds lasting relationships. Churchill Mortgage proudly embraces the sound financial principles, as heard on the Dave Ramsey Show.

Basic Function

As a Senior Mortgage Processor, you will be responsible for timely processing of mortgage loan applications in compliance with Churchill's investor guidelines. You will collect and review loan documents to satisfy loan conditions as well as ensure completeness of mortgage loan documentation and meet department service and quality standards. Overall, you will be preparing the loan file for underwriting review.

We are targeting a January 2022 start date for this role.

Responsibilities

(Note: The following duties are typical of those performed by this role. Other related duties may also be performed. Incumbents may not necessarily perform all of the duties listed.)

• Prepare mortgage loan file by reviewing loan application; clarifying or obtaining additional information.
• Confirms mortgage loan application information by mailing verification forms; contacting verification sources.
• Validate loans in automated underwriting systems including DU or LP and submit to Underwriting in required time frames
• Ensure accurate, complete, and timely loan data on processing system (Encompass)
• Review exception reports to ensure all tasks are completed and Loan is on target to meet Closing Expectations
• Proactively communicate loan status to the borrower and the Loan Originator
• Other duties as required or assigned

Qualifications

• High School diploma or General Education Degree (GED); College degree preferred but not required.
• Minimum 5 years of direct processing experience required
• Proficient in Encompass
• NMLS licensing is required to process in certain states.
• Prior experience with automated underwriting (to include Freddie and Fannie).
• Exceptionally strong analytical skills.
• Strong understanding of multiple investor guidelines.
• Strong problem solving and multi-tasking skills.
• Excellent verbal and written communication skills.

Computer Skills

Encompass experience is required. Experienced in Microsoft Office (Word, Excel, Outlook, etc.) and company information system applications required. Experience working with CMS software and database and document management preferred.

Must be able to pass a criminal history information background check. Other duties may be applicable as business needs may dictate and as assigned by management. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. If you are working remotely, you must have access to reliable, high-speed internet (not satellite; minimum 25 Mbs download speed & 15 Mbs upload speed).

Benefits

Churchill Mortgage's generous benefits package is available to all full-time employees. This includes Medical, Dental, Vision, HSA, FSA, Life, Disability, Accident, Cancer, Critical Illness, Paid Time Off, 401(k) & ESOP (Employee Stock Ownership Program).

Employees Own the Company

Our ESOP was established by founder and president, Mike Hardwick, in 2013. It gives all current and future Churchill Mortgage employees ownership of the company in the form of company stock. Churchill Mortgage is the first privately-owned mortgage company to offer an Employee Stock Ownership Program (ESOP).

Churchill Mortgage Corporation is an Equal Opportunity Employer