Mortgage Delivery Processor

Requirements

• Ensures timely and independent processing of mortgage loan applications in compliance with all applicable laws, regulations, and Centra policies and procedures.
• Provides support to the Mortgage Loan Consultants and other Team Members concerning any questions, outstanding loan conditions, file status, and moving the file through the process.
• Serves as a central point of contact for the borrower/Member, guiding them through the process, notifying them of their loan conditions, gathering their documents, keeping them informed of the status updates, and ensuring the Member receives quality service.
• Maintains an active pipeline of loans, including purchase and refinance with both Conventional and Government loans (FHA, USDA, VA).
• Prepares disclosure packages in accordance with TILA RESPA Integrated Disclosure (TRID) regulations, verifying the accuracy of the fees disclosed and delivering within the required timeframe.
• Issues initial disclosure package, including Intent to Proceed to Borrowers, and ensures all applicable documents have been either e-signed or completed and returned by mail.
• Issues adverse action notices for denied files. Processes incomplete and withdrawn files.
• Prepares a pre-underwrite credit review and sets initial conditions according to Investor and Centra Guidelines.
• Orders and reviews all 3rd party services, including credit reports, appraisals, title work, flood certificates, homeowners insurance, and necessary verifications.
• Completes Home Mortgage Disclosure Act (HMDA's) on all denied, withdrawn, and incomplete files.

Benefits

• Comprehensive benefits package
• Paid time off
• 401k matching
• Retirement plan
• Spanish/English interpreters may be eligible for an interpreting differential