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Mortgage Loan Processor

Renasant Bank

This is a Full-time position in Atlanta, GA posted March 23, 2021.

Mortgage Loan Processor Job ID 2021-8426 Job Locations US-GA Overview This is a senior clerical position in the Mortgage Division. This position is responsible for gathering financial data and credit information used in the credit decision process. This position also is responsible for preparing loan documents for underwriting;monitoring and following strict deadlines; handling confidentialinformation; and, preparing all entries to book loans. This position ensures that each loan file isprepared and readyfor loan closing. Physical Demands: The physical demands described 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 frequently required to sit; Use handsor fingers to handle or feel objects, tools, or controls; Reach with hands and arms, and talk or hear. The employee is occasionally required to walk. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, peripheral vision, depth perception and the ability to focus. Work Environment: The work environment istypical of an office environment. There is minimum discomfort from noise in this area. Detailed instructions and procedures to be followed in a potentially hazardous condition – Robbery – areprovided to minimize the risk in applicable locations. Responsibilities Process files from opening through closing of each loan. Take ownership of loan files once received from mortgage loan officer. Be primary contact for all parties involved in the process of the mortgage loan. – Assemble all loan documents necessary to meet the underwriting guidelines for the particular loan program in process. Obtain the necessary documents from the customer to meet Automated Underwriting System findings. – Review all documents for accuracy and completeness and determine the documentation necessary to be included in mortgage loan file. – Check Vendor screen for completeness. – Analyze borrower(s) Federal Tax returns (if applicable) to determine qualifying income. Complete FNMA Form 1084 Self Employed Cash Flow Analysis for loan files with tax returns. – If responsible for ordering appraisals-title and hazard insurance, track the order and status of ordered appraisals-title and hazard insurance. – Maintain compliance of Good Faith Estimate, Truth-in-Lending, and all other Real Estate Settlement Procedures Act (RESPA) disclosures. – Reviews documentation for completeness and accuracy, ensuring compliance with initial truth-in-lending guidelines. NotifyMortgage Bankerof changes to loan file needing Changed Circumstance and re-disclosure. – Responsible for conferring with borrowers concerning questions, procedures, necessary information and forms completion, and loan status. – Communicates in writing and verbally with various parties to the mortgage loan process. – Performs other duties as assigned. Qualifications – High School Graduate or equivalent; – Minimum of two (2) years job related experience; – Ability to operate a personal computer using Microsoft Word and Excel; – Working knowledge of loan documentation and bank terminology; – Basic knowledge of Accounting; – Ability to deal tactfully and effectively with customers as well as fellow employees; and – Knowledge of all necessary computer applications. RENASANT BANK IS AN EQUAL OPPORTUNITY EMPLOYER

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