Mortgage Credit Analyst jobs in Lubbock, TX

Position Summary

The Mortgage Processor is responsible for effectively managing a designated pipeline of loans from application to completion. He/she is a mortgage resource, providing real time updates and acting as the liaison between internal mortgage departments and third-party vendors to complete each transaction. The Mortgage Processor’s greatest impact rests in his/her ability to be knowledgeable, team-oriented, technically proficient, and maintain positive, communicative, and beneficial working relationships with all members, co-workers, investors, title companies, and all other parties involved in the mortgage loan process.

Duties & Responsibilities

• Serve TTCU members and employees pleasantly and professionally in accordance with TTCU core values of Trust, Respect, Excellence, Kindness, and Stewardship
• Answer business partner inquiries, requests, complaints, and concerns in a timely, effective, and kind manner whether received in-person, online, text, or by telephone
• Function as a clear point of contact and ongoing resource to the borrowing member to retrieve all necessary loan documentation, provide support, and field borrower questions from start to close
• Maintain communication and assist Mortgage Lending Officers with activity needed to move the loan file through processing, underwriting, closing, funding, and purchasing so assigned files close on-time and the member experience lives up to TTCU standards of excellence
• Collect, order, and analyze information necessary to process mortgage loan applications including but not limited to credit reports, income documentation, assets, title work, appraisals, surveys, homeowner’s insurance, VOEs, tax transcripts, course certificates, and all other information pertinent to the loan file
• Effectively communicate with underwriting, docs, funding, post-closing, and other internal departments to ensure loans are completed accurately and are compliant with established lending guidelines
• Accurately prepare files for underwriting as adherent to processor worksheet and standard operating procedures; verify closing and first payment dates; verify proper files set up for document preparation
• Run AUS with Fannie Mae and Freddie Mac to verify approval
• Ensure all underwriting conditions are resolved and the loan file is ready for closing documents
• Adhere to all department deadlines, guidelines, and communication standards
• Commit to continuing education and training; retain the ability to adapt and master an ever-changing industry, including regulatory requirements, updates, and trends

Skills & Qualifications

• Previous mortgage loan experience preferred
• Ability to manage multiple projects simultaneously
• Strong administrative and organizational skills
• Experience working in a fast-paced team environment
• Ability to calculate income for W2 and Self-Employed Borrowers
• Previous EllieMae Encompass preferred
• Superior customer service skills with the ability to communicate real time updates in a professional manner by way of verbal or written correspondence and manage expectations for members and business partners
• Working knowledge of industry regulatory requirements and available loan products
• Working knowledge or familiarity with underwriting requirements, loan products, (agency, FHA, and VA preferred)

This job description is intended to provide a high-level of general requirements for this position. It is not a complete statement of duties, responsibilities, or requirements. Other duties not listed here may be assigned as necessary to ensure proper operations.