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Mortgage Processor

Company: PFCU
Location: Philadelphia
Posted on: December 7, 2017

Job Description:

Job DescriptionPHILADELPHIA FEDERAL CREDIT UNION=====================================================================================POSITION DESCRIPTIONPosition Title: Mortgage Processor Department: Mortgage DepartmentClassification: Non-Exempt Salary: $14.43 - $24.04------------------------------------------------------------------------------------------------------------------------------------------REPORTING RELATIONSHIPSPosition Reports To: Mortgage Manager------------------------------------------------------------------------------------------------------------------------------------------POSITION PURPOSEAs a member of this team, your primary responsibility is to serve and satisfy the credit union members. This includes whether your job involves dealing with members directly or providing service to someone who does.This position requires the employee utilize their experience in processing, and closing, first mortgages and making sound decisions to ensure PFCU's safety and soundness.------------------------------------------------------------------------------------------------------------------------------------------ESSENTIAL FUNCTIONS AND BASIC DUTIES* Must meet department minimum standards* Provide members with a superior level of customer service* Obtain all information deemed necessary to process loan requests in a timely manner, including but not limited to credit reports, income verification, appraisals, lien searches, etc.* Provide assistance to members and solve all problems that arise between application and settlement* Accurately complete all loan commitments as needed.* Insure proper completion of RESPA, HMDA, and other relevant federal regulations* Answer member telephone calls* Coordinate loan closings between members, sellers, and title agents* Process and submit loan packages accurately to underwriting* Accurately prepare and have delivered all loan closing packages prior to the settlement dates* Verify the accuracy of all disclosures and closing documents prior to closing* Gather necessary mortgage histories, payoffs, VOE, and VOD* Resolve various member inquires through clear and detailed explanations* Consistently maintain expected level of production including pipeline management* Activate private mortgage insurance* Contributes to the team effort by performing other duties as assigned* Available for loan closings that may occur after business hours and/or weekends* Contribute to the team effort by performing other duties as required* Complete periodic training/certification for, but not limited to, Bank Secrecy Act (BSA)* Must be extremely detailed oriented* Ability to handle multiple priorities in a fast-paced environment and meet deadlines* Ability to work independently.* PC proficiency required* Working knowledge of Symitar system* Thorough knowledge of mortgage origination system* Knowledge of the all regulations governing mortgage loans including Reg. Z, Fair Credit Reporting Act, ECOA, RESPA, HMDA and Fair Housing Act, S.A.F.E., Dodd-Frank, etc* Ability to analyze credit reports, title reports, insurance policies, Fannie Mae reports, condo documents, budgets and by-laws* Ability to calculate debt ratios, mortgage insurance, taxes, flood insurance and escrows* Thorough knowledge of PFCU loan policy and procedures* Ability to handle conflict and resolve problems* Have a solid understanding of al criteria for home purchase, refinance, debt consolidation loans and subordinations------------------------------------------------------------------------------------------------------------------------------------------QUALIFICATIONS* Experience Preferred* Self-motivated* Minimum of 1 year of customer service experience* Excellent written and oral communication skills* Ability to work evening and weekend hours as required with little or no prior notice* Employees must have at least 1 year of employment with PFCU before posting* Minimum high school diploma or equivalent* Ability to operate office equipment* Ability to lift 25 pounds* Employee must register with the NMLS Registry as required by the S.A.F.E. Act------------------------------------------------------------------------------------------------------------------------------------------EDUCATION*------------------------------------------------------------------------------------------------------------------------------------------PHYSICAL REQUIREMENTS OF THIS POSITION* Ability to lift 25 pounds* Ability to operate office equipment------------------------------------------------------------------------------------------------------------------------------------------PHYSICAL ACTIVITIES AND REQUIREMENTS OF THIS POSITIONRepetitive Motions: Movements frequently and regularly required using the wrists, hands, and/or fingers.Talking: Especially where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly.Average Visual Abilities: Average, ordinary, visual acuity necessary to prepare or inspect documents or products, or operate machinery.Average Hearing: Able to hear average or normal conversations and receive ordinary information.Physical Strength: Sedentary work; sitting most of the time. Exerts up to 10 lbs. of force occasionally. (Almost all office jobs)------------------------------------------------------------------------------------------------------------------------------------------WORKING CONDITIONSNone: No hazardous or significantly unpleasant conditions. (such as in a typical office)------------------------------------------------------------------------------------------------------------------------------------------MENTAL ACTIVITIES AND REQUIREMENTS OF THIS POSITIONReasoning Ability: Ability to deal with a variety of variables under only limited standardization. Able to interpret various instructions.Mathematics Ability: Ability to perform basic math skills, use decimals to compute ratios and percents, and to draw and interpret graphs.Language Ability: Ability to read a variety of books, magazines, instruction manuals, atlases, and encyclopedias. Ability to prepare memos, reports, and essays using proper punctuation, spelling, and grammar. Ability to communicate distinctly with appropriate pauses and emphasis, correct pronunciation (or sign equivalent), and variation in word order using present, perfect, and future tenses.------------------------------------------------------------------------------------------------------------------------------------------INTENT AND FUNCTION OF JOB DESCRIPTIONSJob descriptions assist organizations in ensuring that the hiring process is fairly administered and that qualified employees are selected. They are also essential to an effective appraisal system and related promotion, transfer, layoff, and termination decisions. Well constructed job descriptions are an integral part of any effective compensation system.All descriptions have been reviewed to ensure that only essential functions and basic duties have been included. Peripheral tasks, only incidentally related to each position, have been excluded. Requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions. In no instance, however, should the duties, responsibilities, and requirements delineated be interpreted as all-inclusive. Additional functions and requirements may be assigned by supervisors as deemed appropriate.In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.Job descriptions are not intended as and do not create employment contracts. The organization maintains its status as an at-will employer. Employees can be terminated for any reason not prohibited by law.

Keywords: PFCU, Philadelphia, Mortgage Processor, Other, Philadelphia, Pennsylvania

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