Job Title: Mortgage Loan Processor

Reports to: Director of Mortgage Operations

Direct Subordinates: None

Basic Functions: Perform day-to-day operations for mortgage loan processing, including all tasks related to new loan applications through origination or denial/withdrawal. This includes all aspects of servicing our existing mortgage loan customers & accounts.

Duties & Responsibilities:

Loan Processing: Including, but not limited to any task necessary to ensure the accurate and timely processing of mortgage loans.

• Request title work, consumer real estate appraisals, & flood certifications
• Review consumer real estate appraisals
• Prepare all consumer real estate loan documents, including pre-closing disclosures
• Record all consumer real estate mortgages and release all paid off consumer real estate mortgages
• Filing IN-Real
• Underwrite mortgage loans as needed
• Book & fund completed consumer real estate loans on the Bank’s computer system
• Review the file for completeness prior to sending file for scanning

Loan Servicing:

• Process/analyze escrow accounts as required. This includes reanalysis due to escrow errors & processing escrow refunds & shortages, as well as insurance and property tax payments.
• Process investor loan payments and draws as required
• Process consumer construction and/or home equity draw requests for existing loan customers
• Prepare monthly analyses and remittance to third party vendors for products pertaining to consumer real estate loans
• Address inquiries from telephone calls and walk-in customers, as well as take new applications as needed
• Review all notices and statements sent to consumer real estate mortgage loan customers

Loan Administration:

• Utilize systems in place to track and report all consumer real estate mortgage loans in process
• Process and package documents to be sent to the secondary market (FHLB)
• Quote and process consumer mortgage loan payoffs
• Daily/monthly balancing of accounts which include any mortgage processing GL’s
• Pull reports as needed
• Monitor/maintain insurance on existing loans
• Other duties as assigned by bank management and/or supervisor

Description of Physical Demands and Work Environment:

• The work environment for this job is typical of an indoor office environment. The noise level is usually moderate. Sitting, standing, speaking, listening, writing, typing, and exerting up to 50 lbs. of force may be necessary to fulfill the essential functions of this job.

These are essential functions of this position, in conjunction with the Americans with Disabilities Act. Note: Reasonable accommodation may be made to ensure individuals with disabilities are able to perform the essential functions of this position. The Hicksville Bank is an Equal Opportunity Employer.

Job Type: Full-time

Pay: From $20.00 per hour

Expected hours: 40 per week

Benefits:

• 401(k) matching
• Dental insurance
• Employee assistance program
• Flexible spending account
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Referral program
• Tuition reimbursement
• Vision insurance

Schedule:

• 8 hour shift
• Day shift
• Monday to Friday

Work Location: In person