Mortgage Documentation Specialist

SUMMARY: The Mortgage Documentation Specialist is responsible for preparing real estate loans to ensure that they are initiated in conformance with all TRID guidelines.
Initiate and maintain professional and courteous contact with both Mortgage Originators, Lenders, Underwriters and Members at all times.
ESSENTIAL DUTIES AND RESPONSIBILITIES including but not limited to the following:  Performs a full range of mortgage loan processing for both Home Equity and 1st Mortgage loan products.
 Coordinates and engages with members, realtors and title companies.
 Monitors and maintains the Mortgage Pipeline including reporting of backlog, capacity and conflicts to Manager.
 Initiates contact with applicant regarding any mailed/emailed disclosures.
 Responsible for all signed disclosures, flood certifications, escrow and loan estimates.
 Follows all TRID requirements and internal procedures, ensures that all pertinent documents have been signed.
 Monitors rate lock information for data integrity and expirations dates; communicates discrepancies with Mortgage Originator.
 Requests of applicant remittance of funds for Appraisal order.
 Responsible for timing and re-disclosing of documents deemed necessary according to TRID Calendar.
 Maintains constant contact with Mortgage Originator and Lenders throughout the application process.
 Monitors and maintains assigned loan pipeline and submission for status held meetings with supervisor.
 Exhibits excellent interpersonal and communication skills.
 Adheres to all New Horizons policies, checklists, procedures and Best Practice standards.
 Represents and promotes New Horizons within the community through participation of Credit Union sponsored events including other civic events.
 Ensures that all public relations activities and internal projects support short and long-term objectives of the Credit Union.
 Adheres to quality control standards.
 Performs other related duties as assigned.
QUALIFICATION REQUIREMENTS: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.
The requirements listed below are representative of the knowledge, skill, and/or ability required.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
EDUCATION and/or EXPERIENCE: College degree preferred and/or three to five years of related experience and/or training; or equivalent combination of education and experience.
Proficiency with Windows based applications, Mortgagebot, DocMagic, and Symitar systems preferred including but not limited to other LOS systems related to Correspondent Lending.
LANGUAGE SKILLS: Excellent oral and written communication skills.
Ability to read and comprehend instructions, procedures, correspondence, and memos.
Ability to compose professional correspondence.
Ability to effectively present information in individual and small group settings to members, clients, and other employees of the organization.
MATHEMATICAL SKILLS: Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals.
Ability to compute rate, ratio, interest, dividend and percentages and to draw and interpret bar graphs.
August 2019 REASONING ABILITY: Ability to apply common-sense understanding to accurately perform detailed written or oral instructions.
Ability to analyze and resolve problem situations with Members and staff.
Ability to establish and maintain effective professional relationships with officials, coworkers, examiners, auditors and members.
PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to sit; to use hands; reach with hands and arms; and talk or hear.
The employee is occasionally required to stand and walk.
The employee must occasionally lift and/or move up to 10 pounds.
Specific abilities required by this job include the ability to adjust focus.
WORK ENVIRONMENT: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate.
OTHER QUALIFICATIONS: Strong demonstrated abilities required:  Ethical – Ability to demonstrate conduct conforming to a set of values and accepted standards.
 Detail Oriented – Ability to focus with clarity on all aspects of a project or task.
 Adaptability – Ability to react positively to changing working environments and adapt to procedural and organizational changes.
 Goal Oriented – Ability to ensure that tasks and objectives are in accordance with expectations and goal requirements.
 Relationship Building – Ability to establish and maintain a good rapport and cooperative relationship with lenders and team members.
 Organized – Organization skills in which aid in a disciplined work style.
 Accountability – Willing to accept responsibility for all functions of responsibility.
 Communication – Excellent written and oral communication skills.
 Decision Making – Ability to assess situations and determine an effective and compliant outcome.
 Tactful – Ability to show consideration and avoid offense in dealing with others.
 Time Management – Effectively utilizes available time for completion of necessary job tasks.
 Working under Pressure – The ability to maintain complete composure when exposed to stress.
ALSO REQUIRED: Ability to work a flexible schedule which could include morning, afternoon and evening hours when needed.
Job Type: Full-time Pay: From $16.
00 per hour Benefits: * 401(k) * 401(k) matching * Dental insurance * Employee assistance program * Flexible spending account * Health insurance * Life insurance * Paid time off * Parental leave * Retirement plan * Tuition reimbursement * Vision insurance Physical setting: * Office Schedule: * Monday to Friday Experience: * Customer service: 2 years (Preferred) * Mortgage servicing: 2 years (Required) * credit union: 1 year (Required) * Fair Housing regulations: 2 years (Required) * Lending: 1 year (Required) Work Location: In person