Processor

Company: Evergreen Home Loans
Location: Yuba City
Posted on: May 4, 2020

Job Description:

Processor


Job DetailsLevel ExperiencedJob Location Yuba City Branch - Yuba City, CAPosition Type Full TimeEducation Level High SchoolJob Shift DayJob Category FinanceWhy you'd consider Evergreen Home Loans We're searching for some really great people who enjoy customers as much as we do.

If you're looking for one of those "places to work," start here. Seattle Business Magazine named Evergreen #1 in 2017 for Washington's 100 Best Companies to Work For in the large company category. We are also a certified Great Place to Work--- for 2017 and have placed 26th in the nation as a Best Workplace in Financial Services and Insurance.

In 2016, we were certified as a Great Place to Work--- and were named 19th in Best Medium Workplaces, and 33rd Best Workplaces for Women among other awards. That's because, at Evergreen Home Loans, our vision is centered on creating a "WOW" home financing experience for our customers. So it's not surprising we like to do the same thing for our associates.

Check out Great Place to Work rating and other awards here:

• 
  
  
• http://reviews.greatplacetowork.com/evergreen-home-loans
  
  
• https://www.evergreenhomeloans.com/awards-recognition/
  
  Learn more about what our own associates say about Evergreen here: https://www.glassdoor.com/Overview/Working-at-Evergreen-Home-Loans-EI_IE753502.11,31.htm
  
  Are YOU who we are looking for?
  
  We're looking for people who feel the same way we do about our customers, our associates and the work we do. In return, you'll be part of a growing, contemporary company that rewards creative thinking and believes in helping you get to where you want to be. You'll also enjoy a healthy salary, a comprehensive benefits package and have an attractive 401K plan with a company match to help you grow along with us.What we need (in addition to all that stuff above) We are seeking an experienced Mortgage Loan Processor, with a minimum of 2 years experience. The primary function of the Loan Processor is to ensure the timely and accurate packaging of all loans originated by our loan officers. Responsibilities include: Gather information and take each file from pre-approval to closing. Input proper loan information into the loan origination software. Responsible for ensuring that all loan documentation is complete, accurately verified and complies with company policy. Validate loan documents including; income, credit, appraisal, title insurance, etc. and prepare the application for submittal to underwriting. Review file documentation and make sure all items needed are requested. Order and coordinate loan documents. Meet crucial deadlines requested. Perform any additional duties/activities assigned by management.
  
  Essential Duties and Responsibilities:
  
  
  • 
    
    
  • Process FHA, VA, USDA and Conventional loans for assigned Loan Officer(s) within given time frames.
    
    
  • Obtain all required documentation, such as appraisal, title, escrow, verification of employment/income, asset verification, credit, insurance binders, etc.
    
    
  • Assist in gathering loan conditions assigned by the Underwriter that will satisfy the condition.
    
    
  • Prompt issuance of condition letters or needs lists to loan offices and/or borrowers
    
    
  • Assist with daily problem-solving and trouble-shooting.
    
    
  • Schedule and maintain regular pipeline review meeting(s) with assigned loan officer(s)
    
    
  • Effectively manage assigned loan pipeline and actively work these loan through the process to closing.
    
    
  • Order all required documentation, such as appraisal, title, escrow, verification of employment/income, asset verification, credit, insurance binders, etc.
    
    
  • Maintain and apply up to date technical knowledge of software and changes within the industry and loan guidelines.
    
    
  • Adhere to all industry compliance requirements and regulations
    
    
  • Issue needs list to Loan Officers and/or clients in a timely manner and assist our Loan Officers and customers with understanding of the loan requirements to guide the loan to closing.
    
    
  • Tracks receipt of order out items and follow up to ensure loan will close within allowed timeframes.
    
    
  • Assess income, credit and asset documents against guidelines to ensure feasible submissions to underwriting; effectively articulate calculations and any impact/concerns. Communicate all changes in file status to underwriter.
    
    
  • Proactively communicate and set expectations about what the process will or may potentially involve, including turnaround times for receipt of documents and impact of delays if applicable.
    
    
  • Manage customers' expectations for internal processing timelines and provide frequent status updates. Anticipate potential issues or delays and partner with internal colleagues (as necessary) to ensure the loan moves forward for a successful transaction.
    
    
  • Proactively identify and resolve issues related to the loan; appropriately escalate issues as needed while maintaining personal accountability for issue resolution and customer satisfaction.
    
    
  • Submit files for loan closing documents within time frames.
    
    
  • Provide back-up processing as necessary.
    
    
  • Other duties as assigned.
    
    Performance Expectations:
    
    
    • 
      
      
    • Perform all actions in accordance with the Mission, Vision, and convictions of EHL.
      
      
    • Provide a "WOW" experience and effectively communicate with associates, clients, partners, and vendors via phone, written communication and/or in person.
      
      
    • Seek Feedback: Host regular and timely communication with associates and Manager.
      
      
    • Be willing to assume additional responsibilities/duties/projects as they arise.
      
      
    • Have strong organization skills, the ability to learn quickly, and accuracy/timeliness in completing tasks.
      
      
    • Perform all actions in accordance with policies and procedures of the company.
      
      
    • Expected to meet productivity guidelines of the position.
      
      
    • Effectively use software specific for the position and Microsoft office products.
      
      
    • Work well with other members of the EHL team and be willing to fill in when needed.
      
      Specific Skills/ Knowledge/ Abilities Required for Position:
      • 
        
        
      • High school graduate or equivalent.
        
        
      • Proven work experience of 2 or more years in mortgage processing.
        
        
      • Must pass in-house Mortgage test with 70% or better.
        
        
      • Exercise good judgment and strong character, motivated, hard working.
        
        
      • Ability to work well with fellow associates, clients and vendors.
        
        
        
        • 
          
          
        • Ability to perform all tasks from start to finish and ensure loans eligible for purchase by our investors.
          
          
        • Attention to detail and minimal error/default ratio.
          
          
        • Good communication skills. Neat, clean, healthy work habits.
          
          Physical Requirements:
          • 
            
            
          • Ability to work in a fast-paced, occasionally noisy environment.
            
            
          • May be required to drive for business purposes and if so, must hold a driver's license in good standing and maintain personal auto insurance in compliance with EHL's Auto Insurance policy.
            
            
          • Must be able to speak and hear, lift and carry up to twenty-five pounds (25 lbs.) or occasionally more.
            
            
          • Requires all forms of dexterity and mobility throughout the shift.
            
            
          • Occasionally required to reach with hands and arms, sit climb or balance, stoop, kneel, crouch or crawl.
            
            
          • Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral, depth perception and the ability to adjust focus.
            
            Evergreen is an equal opportunity employer and E-Verify employer.
            
            www.Evergreenhomeloans.com
            
            Equal Housing Lender
            
            -- 2020 Evergreen Home Loans is a registered trade name of Evergreen Moneysource Mortgage Company-- NMLS ID 3182. Trade/service marks are the property of Evergreen Home Loans. All rights reserved. Licensed under: Alaska Mortgage Broker/Lender AK3182 and AK3182-1; Arizona Mortgage Banker 0910074; California Licensed by Department of Business Oversight under the California Residential Mortgage Lending Act 4130291; Colorado Mortgage Company Registration; Idaho Mortgage Broker/Lender MBL-3134; Nevada Mortgage Banker 3130; Nevada Mortgage Broker 4837; Licensed under the Oregon Consumer Finance Act ML-3213; Washington Consumer Loan Company CL-3182; Wyoming Mortgage Lender/Broker 3467.

Keywords: Evergreen Home Loans, Yuba City , Processor, Other , Yuba City, California