Mortgage Loan Processor - Sioux Falls

Mortgage Loan Processor - Yankton, Sioux Falls, or Mitchell locations · First Dakota National Bank is hiring a full-time Mortgage Loan Processor to join our team. This position is open to our Yankton, Sioux Falls or Mitchell locations. Previous processing experience preferred. · ...

Job description

Mortgage Loan Processor - Yankton, Sioux Falls, or Mitchell locations

First Dakota National Bank is hiring a full-time Mortgage Loan Processor to join our team. This position is open to our Yankton, Sioux Falls or Mitchell locations. Previous processing experience preferred.

We are looking for someone who has a positive attitude and good work ethic. Candidate must support and engage in First Dakota's culture for exceptional customer service. Has the ability to process a variety of transactions accurately and efficiently.

The candidate must have the capability to maintain strict confidentiality, attention to detail and comply with all Bank policies and procedures.

The ability to effectively communicate with various types of clientele, co-workers and departments to resolve an assortment of needs is required.

Strong organizational skills and the ability to work well in a team environment is essential. Verify and compile application information, submit files to underwriter and prepare closing documents for mortgage loans. Hours include Monday-Friday 8-5.

Job Duties

Review residential loan application file to verify that application data is complete and meets establishment standards, including type and amount of mortgage, borrower assets, liabilities, and length of employment.

Call, fax, email specified companies to obtain property abstract, survey, appraisal and insurance information.
Submit mortgage loan application file for underwriting approval.
Coordinate loan closing with the borrower, title company, and realtor, if applicable
Ensure loans are clear to close.
Prepare initial Closing Disclosure and work with settlement agent to coordinate numbers for the final Closing Disclosure.
Obtain final approval of the Closing Disclosure from the loan originator.
Communicate with settlement agents, loan originators and operations staff daily.

Prepare all required mortgage loan closing documents via Loan Origination System, ensuring no errors or typos are on the documents.

Confirm all closing conditions are met.

Submit approved mortgage loan files to Loan Officer for review of closing documents and to the settlement agent for closing.

Other duties as assigned

Qualifications

Attributes include a positive attitude and good work ethic.

The ability to process a variety of tasks accurately and efficiently, the capability to maintain strict confidentiality, attention to detail and comply with all Bank policies and procedures.

Communicate effectively with various types of clientele, co-workers and departments to resolve an assortment of needs. Strong organizational skills and the ability to work well in a team environment. Punctuality is a must.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements are representative of the knowledge, skills, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education/Experience

Prefer a minimum of 3-6 months processing experience;

One year certification from college or technical school; or

Equivalent combination of education and experience

Work Environment

Office:

The work environment of this job includes interacting with others in an office setting, and the noise level is usually moderate.

Physical Demands

Light:

The physical demands of this job include bending, sitting, and occasionally lifting up to 10 pounds with or without reasonable accommodation.

Requirements Of All Employees

To perform the job successfully, an individual should demonstrate the following:

Adaptability - Adapts to changes in the work environment

Attendance/Punctuality - Is consistently at work and on time; Arrives at meetings and appointments on time

Career Apparel - Adheres to the Career Apparel policy; Demonstrates professional appearance during Bank hours or at after-hours Bank functions

Customer Service - Responds promptly to customer needs including requests for service and assistance; Provide courteous, personal attention to promote ongoing relationship servicing with customers

Dependability - Follows instructions, responds to management direction; Takes responsibility for own actions; Keeps commitments; Completes tasks on time or notifies appropriate person with an alternate plan

Design - Demonstrates attention to detail

Initiative - Looks for and takes advantage of opportunities; Asks for and offers help when needed

Innovation - Shares suggestions for improving work

Interpersonal - Maintains confidentiality; Remains open to others' ideas and tries new things

Judgment - Exhibits sound and accurate judgment

Motivation - Measures self against standard of excellence

Communication - Listens and gets clarification; Responds well to questions; Participates in meetings; Writes clearly and informatively; Able to read and interpret written information

Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports and upholds organizational goals and values

Planning/Organizing - Uses time efficiently; Completes work in a timely manner

Problem Solving - Identifies and resolves problems in a timely manner

Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration; Accepts responsibility for own actions; Inspires the trust of others; Works with integrity and ethically

Quality - Demonstrates accuracy and thoroughness; Looks for ways to improve and promote quality; Applies feedback to improve performance; Monitors own work to ensure quality

Safety/Security - Observes safety and security procedures; Reports potentially unsafe conditions; Uses equipment and materials properly

Team Work - Gives and welcomes feedback; Contributes to building a positive team spirit

Technical Skills – Understands basic computer software programs; Strives to continuously build knowledge and skills; Shares expertise with others