Description

Summary:
The Mortgage Loan Processor 2 is a critical customer facing position that performs a wide range of duties related to the processing and pre-underwriting of residential mortgage loans. Duties are both file and vendor level in nature. Maintains regular contact with both external and internal customers to ensure workflow deadlines are met. Assumes responsibility as the point person and coordinates processing the loan file from receipt in Fulfillment until submission to Closing. Proactively communicates status on the loan to borrowers and loan officer and maintains contact with external and internal partners to ensure expected closing deadlines are met. Primary responsibilities include reviewing and verifying loan documents including W-2 income, IRS tax returns, self-employed borrower income, assets, credit, appraisal, condo certification, homeowner’s insurance, title insurance, etc., and ensuring the information is complete, accurate and complies with underwriter and program details. Must be able to communicate clearly and effectively with multiple people, multitask, work in a team environment, and manage an assigned pipeline. Exceptional attention to detail - the right candidate must be organized, able to multitask and have excellent time management

Duties & Responsibilities:

Processes FHA, VA, Conventional, and Jumbo loansFinancial Analysis – Knowledge of and ability to read, interpret and draw accurate conclusions from financial and numerical material. Verify and analyze loan documentation including credit reports, income, asset, appraisal, title, homeowner’s insurance documents - as well as general ways to structure a loanEnsures a minimum level of documentation (e.g., credit worthiness, analyzing income and asset data) is submitted prior to delivering a loan file to Underwriting for review utilizing fraud and compliance tools, review alerts and clear conditionsDemonstrate working knowledge of federal and state guidelines, rules and regulations such as RESPA, TILA, HMDA, etc.Update fees based on the preliminary Closing Disclosure, corrected documents, and loan change requests and ensure any changes which require redisclosure have been accurately notated and checked in the loan origination system for compliance purposeOrganizes and uploads documents to the image system, validating what has been provided and indexing items into the appropriate folders. Nurture a pipeline of loans maintaining timely and compliant flow to meet internal and external service level agreements Prioritize and monitor daily workflow in order to ensure all loans are being worked on in accordance with expected timelinesEffective communications – Understanding of effective concepts, tools and techniques; ability to effectively transmit, receive and accurately interpret ideas and informationContact borrowers to collect required documentation and be a liaison between origination, underwriters, relators, and borrowers.  Borrowers include first time home buyers, private client group, existing and new bank customers, and customers seeking purchase or refinancesWork closely with our Loan Officers and Personal Production Assistants to ensure a timely and accurate experience of the customer throughout the mortgage process. Interact with mortgage professionals to obtain information from the borrowers or to seek clarification about documents in the loan filesManages an average pipeline of loans within assigned operations center Performs other duties as assigned.

Basic Qualifications:

High School Diploma/GEDMinimum of 1 year of demonstrated residential mortgage processing or previous experience fulfilling the roles of Processor, Loan Officer Assistant, Loan Officer, Closer, or equivalent mortgage operations position 

Preferred Qualifications:

Bi-lingual SpanishCollege degreeCurrent working product knowledge of FHA, VA, Conventional and other loan programs such as Jumbo, Portfolio, construction to permanent, down payment assistance and bond programs.Experienced in automated underwriting to include Fannie/Freddie (CONV/FHA/VA/RD)Self-motivated, self-reliant person who can succeed in a remote position, working from homeExcellent disposition, mindset, communication skills and work ethicAbility to multi-task with strong attention to detail while meeting deadlines in a fast-paced environmentStrong listening and problem-solving skillsA commitment to integrity and customer serviceDemonstrate working knowledge of federal and state guidelines, rules and regulations such as TRID and Reg BAbility to analyze income and tax forms accurately and calculate income for all types of borrowersStrong knowledge of mortgage procedures, processes, and documentation Able to work independently on processing various loan applicationsAble to prioritize in order to meet loan closing deadlinesFamiliarity with Microsoft, mortgage, and banking applications/software

#LI-Hybrid

#LI-NA1

Exempt Status: (Yes = not eligible for overtime pay) (No = eligible for overtime pay)

No

Workplace Type:

Office

Our Approach to Office Workplace Type

Certain positions outside our branch network may be eligible for a flexible work arrangement. We’re combining the best of both worlds:  in-office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote roles will also have the opportunity to come together in our offices for moments that matter. Specific work arrangements will be provided by the hiring team.

Huntington is an equal opportunity and affirmative action employer and is committed to providing equal employment opportunities for all regardless of race, color, religion, sex, national origin, age, disability, sexual orientation, veteran status, gender identity and expression, genetic information, or any other basis protected by local, state, or federal law.

Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details.

Agency Statement: Huntington does not accept solicitation from Third Party Recruiters for any position

Huntington will not sponsor applicants for this position for immigration benefits, including but not limited to assisting with obtaining work permission for F-1 students, H-1B professionals, O-1 workers, TN workers, E-3 workers, among other immigration statuses. Applicants must be currently authorized to work in the United States on a full-time basi