Mortgage Loan Funding Clerk, Sr. performs routine administrative tasks in support of the mortgage loan funding group. Prepares and finalizes documents and helps customers with packaging and funding. Being a Mortgage Loan Funding Clerk, Sr. ensures accuracy in loan closing process. Facilitates training and support of lower level funding clerks. Additionally, Mortgage Loan Funding Clerk, Sr. requires a high school diploma or equivalent. Typically reports to a supervisor or manager. The Mortgage Loan Funding Clerk, Sr. works under moderate supervision. Gaining or has attained full proficiency in a specific area of discipline. To be a Mortgage Loan Funding Clerk, Sr. typically requires 1-3 years of related experience. (Copyright 2024 Salary.com)
SUMMARY:
Originates mortgage applications and conducts interviews with loan applicants. In accordance with sound underwriting practices as set out in policy and procedure, examines, evaluates, and submits borrower’s applicants for credit or extension of lines of credit.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following:
· Meets assigned sales and service goals.
· Originates applications and conducts interviews with loan applicants through various service channels to include online and call centers.
· Enters mortgage applications into the origination system, pulls credit reports, tax assessments, and DU Findings.
· Provides in person or by telephone, information concerning the mortgage loan process and procedures, as well as other credit union products and services.
· Adheres to the Member Service Standards set forth by the credit union at all times.
· Processes real estate loan applications, including, conforming mortgage loans to secondary market standards (ordering appraisals, credit reports, wood infestation reports, and income/employment and deposit verifications).
· Assists the VP of Mortgage Services with training opportunities such as monthly webinars, mortgage training for staff and other training needs within the credit union.
· Maintains application and approval records to comply with the “Home Mortgage Disclosure Act” for the credit union.
· Assists the VP of Mortgage Services with various monthly reports regarding mortgage origination.
· Assists branch and call-center personnel with questions regarding the mortgage process, mortgage products, pending applications, and member inquiries.
· Responds to member and potential borrower requests via phone, email, online/chat, and in person.
· Acts as a liaison to third parties as required for the mortgage process to include appraisers, mortgage attorneys, realtors, and builders.
· Monitors and reviews HMDA data as required by federal regulation.
· Other duties as assigned.
EDUCATION and/or EXPERIENCE:
High school diploma; and at least two years related experience and/or training in real estate lending; or equivalent combination of education and experience in a related field.
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