Job Description

This person provides all 1st Mortgage Loan Processing support for the Mortgage Loan Officers, customers and 3rd party providers to insure an exceptional customer experience for all mortgage loan customers of First Bank and Trust. QUALIFICATIONS: This person should have an bachelors degree, plus three years of prior job-related experience or the equivalent. Good communication skills and the ability to interact with customers, realtors and other professionals are required. This person must be experienced with mortgage lending concepts, practices and procedures. PRINCIPAL RESPONSIBILITIES ARE TO: 1). Prepare and process all mortgage loan documentation from origination to loan approval according to established procedures. Identify appropriate documentation needs and requirements for all types of loans. Review residential loan applications to verify that all data is complete and meets established standards, including the loan type and purpose, borrower assets, liabilities, credit and employment. 2). Monitor a large pipeline of files at different stages of the mortgage process to ensure deadlines are met, continually follow up on documentation to ensure the appropriate information has been requested and is received within the allotted timeframes to meet the expected closing dates. 3). Have a strong working knowledge of FHA, VA, Rural Development, Private Mortgage Insurance and investor differences, guidelines and processes. 4). Provide exceptional customer service while interacting with customers, realtors, 3rd party service providers and co-workers. 5). Have a strong understanding of all mortgage regulations including but not limited Fair Lending, TRID, RESPA, Reg Z and Reg B. 6). Responsible for confidentially handling all non-public information. 7) Ability to interact professionally and knowledgeably with mortgage customers to obtain information from the borrower or to seek clarification about documents received during the loan process. Including contacts with 3rd party providers to obtain to obtain title commitment, property abstract, survey, appraisal and insurance information 8). Accurately review loan documentation and complete the HMDA data screens needed to insure compliance with expected data fields related to loan processors. 9). Coordinate loan closing with the borrower, Title Company and realtor, if applicable.Ensuring all loans are clear to close prior to handing off to the closing department. 10). Must be able and willing to answer questions and assist other members of the processing team including providing training, covering for absences and volume relief as needed. 11). Attend all team meetings and training seminars, as deemed appropriate by the supervisor. 12). Act in accordance with FBT policies and procedures as set forth in the employee handbook. 13). Adhere to compliance procedures and participate in required compliance training.

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