Job Description

The Mortgage Processor II is responsible for a full range of mortgage loan processing functions from accepting originated loan applications, through ensuring the loan package is fully prepared for closing. Interacts frequently with borrowers, real estate agents and third parties to ensure requirements are met and the loan funds on time, creating an outstanding borrower experience.

What you will do here:

Responsible for processing a larger loan pipeline which includes purchases. Reviews loan documents to ensure validity and/or substantiate income for cash levels in accordance with established guidelines and mitigate the potential for unnecessary loss. Calculate income from a variety of sources and income types.

Assess appraisal reports to ensure collateral eligibility. Review preliminary title report to ensure all necessary requirements are met for title insurance and lien perfection.

Ensure all borrower, credit, and collateral documents submitted are accurate, compliant, and relevant, with investor guidelines. Prioritize and assemble documentation in accordance with FHA, Fannie Mae and other investor requirements to ensure file is adequately documented and prepared for underwriting and loan approval.

Validate source data to verify completeness and accuracy by assessing the documentation and services necessary for approval. Relay any additional items needed if applicable. Ensure disclosures have been provided within the required timeframes and are accurate and within acceptable tolerances.

Maintain regular communication with borrowers, loan officers, internal staff, title companies, real estate agents and other third parties to respond to inquiries, problem solve, ensure the timely closing of loans, and provide an outstanding borrower experience.

Perform other job-related duties as assigned

What you will need:

High School Diploma or GED required.

2-4 Years’ experience in mortgage processing.   

Advanced understanding of Conventional and Government mortgage lending guidelines, principles and practices required.

Advanced communication skills – ability to effectively communicate and present information both in person and over the phone; effective written and verbal communication         required.

Advanced effective time management and follow-up skills with the ability to work in a fast-paced environment and multi-task throughout the day required.

Advanced ability to work under tight deadlines and to meet those deadlines effectively required.

Advanced Microsoft Outlook, Excel, Word software required.

Bilingual in Spanish preferred.

We are considered leaders in the local credit union space, and we are growing like crazy. We’ve got a culture focused on smarts, kindness, continuous learning...and our people love it. A full 93% of our employees would recommend us to their friends. Come find out why! Learn more at jobs.desertfinancial.com.

We are proud to be an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Application Instructions

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