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

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Mortgage Loan Processing

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Loan Closing

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Organization

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Attention to Detail

Reporting Relations

Accountable and Reports to: AVP, Loan Operations Manager

Positions that Report to you:None

Primary Duties and Responsibilities

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

Knowledge, Skills, Abilities, and Worker Characteristics

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

Education and Experience

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

Physical Requirements

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• This position is classified sedentary/light and requires the ability to sit for long periods of time.
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• Visual requirements include: ability to see detail at near range with or without correction.
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• 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

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

Equipment Used to Perform Job

Computer (PC with Microsoft Office programs), telephone, calculator, telephone, copier, fax, 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

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