Mortgage Loan Processor

Additional Considerations (if any):

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At Midwest Heritage, the core of our culture is taking care of the customer and taking care of each other. Our employees appreciate that their contributions make a direct impact on the success of our business as well as their own personal and professional growth.

Midwest Heritage Bank

Job Title : Mortgage Loan Processor

Department: Banking

FLSA: Non- Exempt

General Function

Performs processing of real estate mortgage loans within full guidelines of secondary market and regulatory compliance.

Core Competencies

- Mortgage Loan Processing
- Loan Closing
- Organization
- Attention to Detail

Reporting Relations

Accountable and Reports to: AVP, Loan Operations Manage r

Positions that Report to you : None

Primary Duties and Responsibilities:

- Obtains complete credit package, appraisal and title documentation.
- Assists loan officers with rate locks for secondary market real estate loans.
- Prepares underwriting packages to send to secondary market investors.
- Coordinates mortgage loan closings with branches and closer.
- Ensures that all closing conditions and requirements have been met.
- Ensures accurate printing of preliminary real estate loan documents.
- Provides processing support to loan officers .
- Performs other job-related duties and special projects as required .

Knowledge, Skills, Abilities, and Worker Characteristics:

- Excellent internal and external customer service skills required .
- Ability to work in a fast-paced environment essential.
- Attention to detail required .
- Must be able to prioritize workload.
- Ability to work independently with stringent guidelines.
- Computer friendly skills required .

Education and Experience:

- College degree preferred.
- Minimum 2 years in mortgage experience.

Physical Requirements:

- This position is classified sedentary/light and requires the ability to sit for long periods of time.
- Visual requirements include: ability to see detail at near range with or without correction.
- Must be able to perform the following physical activities: sitting for long periods , talking (in person and by telephone), hearing and repetitive motions.

Working Conditions:

- The duties of this position are normally performed in a general office setting. This is a fast paced work environment.
- There is frequent pressure to meet deadlines and handle multiple projects in a day.
- Minimal Travel .

Equipment Used to Perform Job:

Computer (PC with Microsoft Office programs), telephone, calculator, telephone, copier, f ax, and printer .

Contacts:

This position works with Midwest Heritage employees, customers, Hy-Vee employees, vendors and outside agents doing direct business with Midwest Heritage

Confidentiality:

This position has the responsibility to protect the privacy and confidentiality of customers, employees and bank/insurance/financial information at all times.

In the performance of their respective tasks and duties all employees are expected to:

- Follow all state and federal regulatory requirements and complete assigned training courses within the required timeframes .
- Perform quality work within deadlines.
- Interact professionally with other employees, customers and suppliers.
- Work effectively as a team contributor on all assignments.
- Work independently while understanding the necessity for communicating and coordinating work efforts with other employees and organizations.