Full-time

Process retail mortgage loans in a timely and efficient manner.  Responsible for participating in the achievement of corporate sales and service goals to build customer (external / internal) relationships and enhance shareholder value.       

Demonstrate advanced processing knowledge in FHA, VA, Home Equity, Home improvement, Real Estate Improved/Unimproved and Conventional loan documents, including appraisal reviews, underwriting guidelines and loan delivery parameters.

Demonstrate working knowledge of Federal and state rules and regulations, including RESPA, TILA, ECOA, and HMDA

Submit mortgage loans to automated underwriting systems for approval within investor guidelines, and submit preliminary underwriting decision to underwriter or manager.

Reviews and audits loan applications for completeness and compliance with underwriting requirements.

Process and maintain loan files in compliance with governmental regulations, investor requirements and credit policy.

Process all documents to First Financial Bank' s secondary market and/or investor guidelines, and evaluate and cure all underwriting conditions based upon underwriting approval.

Obtain Verifications of Deposit, Verification of Employment, Mortgage Verifications, Appraisals, Flood Certification, Credit Reports, and Title Commitments.

Monitor lock expiration's.    

Job Requirements:

1.  Minimum two years experience mortgage loan processing, or demonstrated qualifying experience in a mortgage or financial institution.
2.  Working knowledge of laws, regulations, plicies and procedures governing banking and residential real estate lending, including RESPA, TILA, ECOA and HMDA
3.  Two years working knowledge of Microsoft Excel and Word.