Mortgage Loan Processor III (Retail)
EverBank - Tulsa, OK

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Primary Characteristics
Work closely with retail loan originators who self - source business from 3rd party referral sources (realtors, builders, bank partners, financial planners, etc). Receive application online in our system, must have ability to quickly review for accuracy and completeness, advise the LO as to viability of loan at first glance and then must acquire necessary information to obtain loan decisions. Timely accurate system updates and communication with all parties concerned to achieve a best in class customer/referral source experience. Assist Loan Officer in maintaining customer relationships.

Essential Functions
• Review information obtained from loan officers for accuracy, completeness and viability
• Communicate with 3rd party referral sources as agreed to with loan originator
• Obtain additional documentation needed from all sources
• Obtain underwriter loan decisions
• Obtain approval and closing conditions
• Ability to make rational risk based decisions with regards to underwriting and processing determinations
• Verify appraisal, credit and title have been ordered for all files within pipeline
• Follow up with all third party vendors (appraisals, credit and title) to ensure delivery of required reports
• Collect, verify and analyze all documentation required for submitting files to Underwriting
• Responsible for communicating underwriting conditions to both the borrowers as well as the loan originator
• Must be able to process multiple files within pipeline, all at different stages of the approval process Take responsibility from start to finish of all files within pipeline. Will be held to a higher level of accountability due to higher level of responsibility and industry knowledge

Minimum Qualifications
• Must hold general understanding of all the areas of the mortgage industry. Must have knowledge of Conventional Financing. FHA/VA a plus
• General working understanding of closing and title procedures
• Must have working understanding of all Fannie Mae and Freddie Mac guidelines
• Must have full working knowledge of the appearance of all conventional processing forms
• Skilled at reviewing tax returns of Self employed/commissioned and alternative income borrowers and excellent appraisal analysis required
• Good communication skills with ability to multi task with internal staff, outside LO and 3rd party referral source
• Strong organizational skills and an attention to detail
• Strong leadership and ability to prioritize
• Basic computer skills

Training and Experience
• Minimum 5 years of current processing in the retail loan originator environment
• Minimum 3-5 years current processing Fannie Mae/ Freddie Mac conventional loans as well as FHA and VA loans
• 2-4 years of college preferred but not mandatory
• High School degree or equivalency required

Pre-Employment Screening Includes:
• Assessment Screening
• Credit Check
• Criminal Background Check
• Drug Screen – after offer of employment is extended and before start date
• Past Employment Verification
• Social Security Verification