Top Mortgage Credit Manager jobs in Mcallen, TX

Summary

PRIMARY OBJECTIVE OF POSITION

Collect and review loan documents to satisfy loan conditions, ensure completeness of mortgage loan documentation to satisfy all underwriting conditions and maintain contact with member throughout the processing period. May converse with Spanish speaking members throughout the mortgage loan process.

ESSENTIAL JOB FUNCTIONS

1. Communicate effectively with members and all parties throughout the mortgage loan process. Initiate and maintain contact with members during processing including answering member inquiries and notifying them of any additional information required in a timely manner.
2. Gather, review and ensure all loan conditions set by underwriting have been met in a timely manner.
3. Order and ensure receipt on third party documentation such as title work, mortgage payoff, verification of employments, collateral protection insurance and residential appraisal in a timely manner.
4. Prepare and deliver mortgage disclosures to mortgage applicants in a timely manner ensuring regulatory compliance.
5. Evaluates AUS findings and request documentation from borrowers.
6. Order and review closing package for accuracy prior to delivering to mortgage loan originator or Title Company.
7. Submit quality files that comply with Agency and Investor Guidelines.
8. Ensure funding is completed accurately, all third-party services have been satisfied and all controlled disbursements have been resolved.
9. Works independently and manage personal pipeline to ensure deadlines and production goals are met. determine any deviation from standard processing time and take appropriate actions including notifying the manager for alternatives to ensure timely service.
10. Knowledgeable of lending procedures and credit union guidelines.
11. Support credit union services by answering general mortgage inquiries and providing information on mortgage loan programs.
12. Cross sell all credit union services.
13. All other duties as assigned.

RELATIONSHIPS AND CONTACTS

Reports To: Mortgage Processing Manager

Contacts: Frequent contact with members, mortgage personnel, and third-party services.

Qualifications

EDUCATION
High School Diploma or GED.

EXPERIENCE

• One (1) year lending, processing or quality assurance experience.
• Mortgage experience preferred. 
• Bilingual preferred
• Knowledge of federal and state laws and regulations governing residential mortgage lending including but not limited to HMDA, RESPA, REG Z and ECOA Compliance preferred.

PHYSICAL REQUIREMENTS
Ability to work in a fast paced, fluid environment and be held to minimum production standards. Candidate must be able to sit for long periods of time. The position involves wrist/hand/fingers manipulation; movement is inherent in the job as well as restriction to workspace for prolonged periods. Vision abilities required by this job include close vision for frequent viewing of computer monitor and review of documents.

MENTAL
Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must have a strong ability to read and carry out various written instructions and follow oral instructions. Must have a strong ability to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.

EQUIPMENT SKILLS
Strong computer skills; proficient in Microsoft Word, Excel and Outlook.

The above statements reflect the general details considered necessary to decide the principal functions of the job identified and shall not be construed as detailed description of all work requirements that may be inherent in the job.