Mortgage Loan Processor – Remote

As America’s first billion-dollar black-owned bank, Liberty Bank and Trust is a part of history, and we don’t take that success or the privilege to serve our customers lightly. Liberty and our legacy institutions, with branches in 11 states, have stood steadfastly with underserved and often-forgotten communities for over 100 years.

We are growing and building our team with people who want to expand their horizons and surround themselves with inclusive, mission-driven peers looking to impact communities and families positively. If you have customer service experience or banking experience, we’d love to hear from you! To learn more about us, please visit our website at www.libertybank.net

Our mission is to carry on the important work of generations of black-owned bank operators by preserving and providing access to affordable financial products and services to traditionally underserved markets. Liberty has been a lifeline for many who have pursued dreams of homeownership, growing businesses, providing for college, or even starting lifelong careers.

We strive to be as resilient as the people we serve. Whether it’s a community, a burgeoning business, or untapped talent, we believe in the possibility of financial freedom.

As a Mortgage Loan Processor, you’ll be responsible for processing and closing a minimum of 10 loans monthly while maintaining a pipeline conducive to meeting the minimum requirement. You must maintain a quality pipeline with a 30-day average to final disposition and will be responsible for the secure and accurate accumulation of loan documentation. Additionally, you will ensure the timely and compliant closing of all types of residential mortgage loans within established deadlines.

Responsibilities:

• Maintains a secured environment to process loan files.
• Procures verifications for credit items which include, but are not limited to employment, asset information, rental history, credit reports, etc.
• Researches and verifies account information and resolves problems for customers as needed.
• Liaisons with third party vendors (appraisal, title, insurance, etc.) to obtain necessary documentation for loan approval.
• Reviews documentation and provides conditions for loan approvals needed to comply with underwriting guidelines: borrower documentation, credit, and collateral documentation.
• Analyzes and interprets financial data to fit established parameters set by industry.
• Understands and uses computer programs and systems for the tracking and processing of loans in the loan operating system (LOS).
• Provides support duties for management and Mortgage Consultants as needed.
• Ensures that all necessary disclosures (state, federal and company specific) are provided to client as required.
• Communicates any concerns on possible misrepresentation or fraudulent documentation/activity to Management, if necessary.
• Communicates all issues affecting loan process and approval with applicable Mortgage Consultant.
• Works with underwriting and closing departments to ensure that quality of loan submissions is consistent with maintaining the efficiencies of the loan file flow.
• Communicates concerns or suggestions on improving overall systems to Management when appropriate.
• Assists with problem-solving when issues arise that involve the successful closing of requested residential loan.
• Maintains necessary pipeline management to ensure timely closings of all loans.
• Participates in proactive team efforts to achieve departmental and company goals.
• Participates in a positive teamwork environment through example and sharing of knowledge and skill.
• Complies with all compliance policies, practices, and procedures.

Education/Experience:

• High school diploma or general education degree (GED) required; or 2 to 3 years related experience and/or training; or equivalent combination of education and experience.
• Demonstrated success in working with FHA, VA, and Conventional Loans is required.
• Understanding in how to read multiple types of underwriting guidelines and be able to do Full Document Processing.
• Industry experience within the past 12 months and current understanding of compliance and regulatory issues.
• Familiar with DU, LP, FHA connection preferred.
• Working knowledge of Microsoft Office software, including Word, Excel, PowerPoint, and Outlook.
• Working knowledge of Encompass, CALYX, and other mortgage software.
• Some travel may be required.

Benefits

As you might expect, we value every member of our team. That's why we offer competitive pay and an extensive benefits package, including:

• Paid vacation and holidays, personal and sick days
• Medical, Dental and Vision
• FSA
• Adoption Assistance
• Life Insurance
• Educational Reimbursement
• 401K and match
• EAP/Health and Welfare Assistance
• Training and Development
• Online Marketplace* discounts on a variety of goods and services
• Leadership Development
• ERG/ Ambassador Group
• Free and reduced-rate bank services

Weareanequalopportunityemployer,andallqualifiedapplicantswillreceiveconsiderationforemployment without regardto race, color, religion, sex, national origin, disability status, protectedveteranstatus, orany other characteristic protected by law.