JOB SUMMARY: Responsible for performing initial appraisal of potential borrowers by thoroughly examining their applications; assessing the credit standings of applicants through background research; and interviewing applicants to evaluate their eligibility for loan or mortgage.

ESSENTIAL FUNCTIONS:

• Identify customer needs, explore all options, and suggest different types of loans. Review files for completeness and accuracy.
• Verify accuracy of system input. 
• Analyze file for program applicability. 
• Review necessary documentation, such as income and asset documentation, credit report, verifications, appraisal report, preliminary title report, etc.
• Follow up with clients to request additional documents as needed or to clarify important points. 
• Provide status updates to loan officers, borrowers, and agents.  
• Remain up to speed regarding lending and other financial services.
• Coordinate all aspects of submission to underwriting, documentation requests and satisfaction of closing/funding conditions. Coordinate closings as needed. 
• Submit files in a timely manner in accordance with company standards.
• Review pre-audit HUD-1 to ensure accuracy. Work with loan officer and title companies to resolve any discrepancies prior to closing.
• Prioritize workflow to ensure time sensitive files are handled in proper order.
• Assure compliance with all regulatory and governmental standards, guidelines, rules and regulations with all regulatory authorities, federal or state ordinances and administrative regulations and statues.
• Forge trust relationship and enhance customer dedication. 
• Ensures confidentiality of bank and customer information.
• Performs other duties as assigned.

Preferred Skills:

• Preferably 5 years or more processing conventional, VA and FHA loans. 
• Encompass experience preferred.

Requirements:

• Post TRID knowledge required. 
• Comprehension of direct/indirect lending procedures. 
• In-depth understanding of relevant rules and regulations.
• Strong organization skills and detail oriented.
• Excellent communication and sales skills.