Loan Processor - McAllen, United States - Affordable Homes of South Texas Inc

Description

Job Description

Job Description

Job Title
Loan Processor


Summary/Objective

Responsible for providing direct assistance to the Vice President/Director of Lending and the loan officers to ensure a smooth flow of information, data, and documents within the department.

Assistance shall be provided efficiently and expeditiously and in accordance with established policies and procedures.


Essential Functions

• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• Assist loan officers and Vice President/Director of Lending with general administrative duties.
• Aid primary staff in the area by answering telephones, assisting walkin customers, and providing general program information to interested parties.
• Complete Loan Processor Duties: Family Assessment Sheet, Request VOEs, VORs, VOLs, Title
• Commitments, and additional information from customer as required by loan officer.
• Identify funding source for loans, work on brokerage processing (AHSTI Mortgage) and complete workbooks as required by specified source. (i.e. TDHCA Workbook and additional TDHCA Misc. documents)
• Investigate inconsistencies and request letters of explanation and/or affidavits on information that requires additional explanation. (i.e. bank deposits or withdrawals).
• Update information in Encompass once verifications are received. Ensure all information is updated prior to the loan being underwritten by the Vice President/Director of Lending.
• Request assignment of Appraiser from Customer Journey Specialist and request appraisal report from assigned appraiser.
• Request a Survey from Customer Journey Specialist, if funding source is TDHCA.
• Request Tax Service & Invoice at closing.
• Construction report Stage 9 complete call customer to provide update and request documents depending on funding source.
• Prepare TDHCA loan packages and submit them to the state for underwriting & closing.
• Prepare files for Rehab Replacement and/or Neighborworks Rehab Loan (City of McAllen CDBG/DCMI, and City of Pharr CDBG/DCMI)
• Prepare and Process for Ayuda Consumer Loan
• Assist on Leads Triage Report
• Prepare prequalification packets for Loan Officers (Follow up daily reminding of documents required)
• Provide efficient detailed and daily notes on Salesforce.
• Assist customers who are bringing documents for scheduled appointments.
• Maintain a high level of ethical behavior and confidentiality of information.
• Adhere to the company's policy on attendance.
• Adhere to the company's punctuality standards.
• Perform all duties in a safe manner to avoid injury to oneself and/or others.
• Perform other related duties as requested and assigned.

Supervisory Responsibility
This position does not have supervisory responsibilities.


Required Qualifications

• High school diploma, GED, or equivalent from an accredited institution.
• Bilingual in English and Spanish, with strong written and verbal communication.

Relevant Licenses/Certifications
None required.


Preferred Qualifications

• 2 or more years of experience in mortgage loan origination, processing and closing.
• Associate Degree in Business Administration, Accounting, Finance, or a related field.
• Knowledge of Encompass, Salesforce, and Revver.
• Knowledge of Microsoft Office, including Excel and Word, or comparable word processing/data base programs.
• Ability to read and interpret documents such as safety rules, operating and maintenance instructions and procedures manuals.

Work Environment
This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.


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.

While performing the duties of this job, the employee is regularly required to talk or hear.

The employee frequently is required to stand; walk; use hands to finger, handle or feel; and reach with hands and arms.

Position Type/Expected Hours of Work

Some flexibility in hours is allowed, but the employee must be available during the "core" work hours of the organization, including Saturday rotations, and is expected to work a minimum of 40 hours each week.

Travel
Occasional travel outside of area related to training may be required of this position.


Work Authorization/Security Clearance
None.


AAP/EEO Statement
Affordable Homes of South Texas, Inc.

provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

Other Duties

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job.

Duties, responsibilities, and activities may change at any time with or without notice.