Experience Inc. Jobs

PRIMARY RESPONSIBILITY:The Residential Mortgage Processor II is responsible to process, coordinate and manage residential and retail loan processing with direction from Mortgage Operations Manager. ESSENTIAL FUNCTIONS:Process residential real estate loans while interfacing with Loan Officers, Underwriting, outside vendors (e.g., title insurance, mortgage insurance companies) and Borrowers.Provide excellent customer service involving residential real estate loan processing.Maintain knowledge of the secondary market automated systems for loan processing.Submit loans for approval via automated underwriting systems.Review files for compliance including RESPA, Equal Credit and Fair Lending.Assist Loan Officers, Underwriters and Closers with loan origination, underwriting, and closing of all loan files.Follow loans from application to closing; follow up on appraisal and underwriting conditions.Regularly provide updates to borrower, attorneys, and realtors involved in the transaction.Cross sell Bank products or refer to a Bank Specialist when appropriate.Keep up to date on Bank Policies, Laws and Regulations that govern residential mortgage lending.Utilize encompass to communicate effectively following the mortgage playbook requirements.Active participation in demonstrating the behaviors outlined in the GRB Experience.Manage a pipeline of approximately 50+ loans (Conventional, USDA, VA and FHA) each month. This includes but is not limited to the initial review process of a loan, the submission of a loan into underwriting, the issuing of the initial commitment letter and moving the loan into the closing department.Close and fund on average approximately 25+ loans each month.Maintain an average of 95% or higher service score on 5 file reviews completed by your manager each month.Able to calculate all income sources for all income types such as wage earners, self-employment, retirement and rental income.Respond to emails, voicemails and all customer requests within 24 hours.Assist with mentoring and training newer processors by being available in the group chat and responding to processors questions when needed.Assist in keeping job aids up to date and current as items change.Manage a pipeline of construction loans if applicable in addition to Conventional, USDA, FHA and VA loans.Shadow approximately 1-2 hours per quarter an additional department in mortgage (Underwriting, closing, and post-closing). SECONDARY FUNCTIONS:Other duties as assigned. EDUCATION AND EXPERIENCE:High School diploma or GED; (Associates degree highly preferred) with a minimum of 3 years documented processing experience managing a pipeline of 50+ purchase and refinance transactions including experience processing Conventional, USDA, VA and USDA loans, or the equivalent combination of education and experience. COMPETENCIES:Provide a remarkable client experience. Greet clients with warmth, genuine interest and a smile.Lead by example. Identify current or potential problems, take ownership and see them through to resolution.Act as a unified team. Possess strong interpersonal skills including the ability to proactively communicate with and help others, within and across departments.Ability to work independently. Seek and incorporate feedback on your performance from management, coworkers and clients.Ability to work in a fast-paced, deadline driven environment.Demonstrated PC literacy.Ability to manage multiple priorities.Demonstrated verbal and written communication skills r