Jr. Processor (US Mortgage, night shift) - Mandaluyong City

EMAPTA (Mandaluyong, Philippines) 9 days ago
Jr. Processor Join one of the fastest growing mortgage bankers in the United States. They are one of the largest privately held mortgage companies with the resources to compete on a national level with the largest publicly held banks. Based in Brea, California and founded in 2001, our client is an agency-direct lender, licensed in 45 states, with over 130 branches supporting more over 700 Loan Officers across the nation. EMAPTA Versatile Services is looking for a high-level Jr. Processor to join its team in Mandaluyong City. JOB SUMMARY This positions report to the Processing manager, this position will work closely with the Loan Originators to gather all of the necessary documentation & information needed to process the loan application from inception through funding. ESSENTIAL JOB FUNCTION To review that files received are properly set up and all preliminary services are ordered within 24 hours of loan being submitted to processing queue. This ensures all files are worked on immediately and there is no delay in ordering needed services to ultimately produce quicker processing turn times that meet or exceed company expectations. KEY RESPONSIBILITIES Solid proficiency in processing purchase and refinance transactions of Conv, FHA, VA, USDA & CHDAP, DU Refi, Open Access, FHA Streamline & IRRRL Ability to analyze loan transactions to confirm they are within AFN/Investor guidelines Provide Loan Officers with a list of items needed from the customer to process the loan application completely Strong PC skills, including Word, Excel & Encompass Loan Origination System a plus, etc Upload all initial signed disclosures to AFN s paperless system within 24 hours of receiving them from the Loan Officer, verify all disclosures are dated within compliance and meet all AFN guidelines and also contain all state specific required disclosures. Review all income documentation for accuracy, completeness and confirm the borrower s income is sufficient to qualify for the mortgage for which they are applying. Must be proficient in calculating income both for employed and self employed & corporate income types Run credit if not already done by the Loan Officer Proficient in reviewing credit to verify the borrower s credit history meets AFN/Investor credit guidelines Run AUS - DU/LP Order FHA/VA Case numbers (ONLY when initial signed & dated disclosures are in hand) Open Escrow & Title Review preliminary title reports for potential property/borrower issues Order all necessary Escrow & Title info from Escrow on purchases Order Appraisals and/or AVM through AFN s approved AMC s once signed disclosures are received and are complete Run LDP/GSA s for all parties that are involved in the transaction Order VOE s, Flood Certs, TRV s, social Security cert (if applicable) Uploads all supporting documentation to AFN s paperless system in preparation for underwriting complete underwriting packages are a must. (refer to AFN s complete loan submission checklist for accuracy) Excellent organizational skills, strong interpersonal skills; the ability to effectively interact with various styles and levels of management and be able to adjust own communication style based on the audience. Excellent communications skills - phone, personal contact and written, must exercise judgment, accept responsibility and handle confidential information. Essential Function: Review all loan files within 24hrs upon receipt from the Loan Officer. Loan Processors ensures that assigned loan applications are processed and prepared for funding in a timely manner, meeting all AFN/Investor regulatory requirements. He/she accurately and completely documents each file for completeness and accuracy. Continually demonstrates good partnership and excellent customer service Minimum Qualification: Requirements: Minimum of 2-3+ years recent experience in today s lending market (Loan Processor) Must have the ability to work as part of a team Excellent working knowledge of mortgage originations; specifically mortgage operations. Excellent knowledge of Federal and State regulatory policies and procedures. What's in store for you? 5-day work week Prime location in Mandaluyong City and access to top-of-the-line facilities and technologies Unlimited Gym Access Exposure to world-class, high-level management from foreign direct superiors HMO coverage plus 1 dependent or mutual fund upon regularization 20 leave credits at your discretion with up to 5 days commutable to cash Career Development Opportunities: To be trained and work closely with US team *Must have capability to work remotely (stable internet and computer) while Enhance Community Quarantine is imposed.