Job Purpose:  The Mortgage Loan Processor is responsible for processing mortgage loan applications received from brokers or loan officers from end-to-end, including loan set-up, preparation of compliance disclosure documents, submission of file and trailing documents to underwriting, clearing conditions relative to specific lending authority, managing the clear-to-close processing of the file and other duties as assigned by the manager.  GMH Mortgage Services LLC emphasizes a team approach and expects every person to perform any reasonable task or request that is consistent with fulfilling company objectives.

Typical Physical Demands:  Regular use of hands to manipulate office equipment, phones and computer keyboard.  Frequently sit and stand to do clerical work, including maintaining files, reports and binder logs.  Regularly lift and move office supplies up to 20 pounds.

Typical Work Conditions:  Work is performed in an office environment.  Employee frequently interacts directly with staff members, brokers, third party vendors and service providers during the workday.

Essential Job Functions:

1.      Review products, pricing policies, updates, policies/procedures and announcements

2.      Track and review all incoming registrations and locks

3.      Review conditions and trailing documents as they are received

4.      Process service requests by managing the website or email requests and customer feedback

5.      Review compliance documents and prepare appropriate disclosures

6.      Check for accuracy of all compliance metrics, outlined in the Policies and Procedures Manual

7.      Review borrower’s identity as verified via the credit report, outlined in Section 326 of the U.S. Patriot Act

8.      Order/Review Flood Certification to ensure Flood Notification is sent and tracked

9.      Submit conditions to underwriting.  Once reviewed/approved, ensure condition is cleared and the broker or customer is notified of remaining outstanding stipulations.  Clear conditions as authorized

10.   Review Fee Sheet, Lock Confirmation, Commitment, Document Expirations, Condo Approvals and all Underwriting and/or Investor Requirements relative to the Loan Approval Decision

11.   Process the verbal VOE in accordance with policies and procedures

12.   Respond timely and accurately to all Quality Control and Compliance Finding Reports

Essential Job Functions, Cont’d

13.   Provide highest level of customer service to both our internal and external customers

14.   Achieve benchmarks in all key areas of compliance, customer service and production

15.   Strive to achieve all forecasted production goals, while maintaining quality of work and service level expectations

Performance Factors:

1.      Planning/organizing - Ability to organize work, set priorities and make productive use of time

2.      Adaptability - Ability to accept changes in the work environment; manages competing demands and is able to deal with frequent changes, delays or unexpected events

3.      Integrity – Ability to maintain a high level of confidentiality

4.      Communication and Contact – Ability to communicate effectively both verbally and in writing with superiors, colleagues, and individuals inside and outside the Company

5.      Attendance and Dependability – Ability to consistently report to work on time at the scheduled time and is seldom absent.  Employee can be depended upon to complete work in a timely, accurate, and thorough matter and is conscientious, about assignments. 

6.      Relationships with Others– Ability to work effectively and relates well with others including superiors, colleagues, and individuals inside and outside the Company.  The employee exhibits a professional manner in dealing with others and works to maintain constructive working relationships.