AMERICAN NATIONAL CORPORATION
JOB TITLE: Mortgage Loan Processor (97)
DEPARTMENT: Mortgage Loan Operations CLASS: Non Exempt
GRADE LEVEL: F JOB GROUP: Adm Clk
EEO TITLE: 5 Administrative Support Workers DOO: 08/93 DOR: 03/01
3 MONTH TEMPORARY ASSIGNMENT
Responsible for performing Conventional and Government Mortgage loan processing functions, from receipt of loan
documentation through preparation of package for loan approval and through underwriting while ensuring Regulatory,
Agency, Investor and Bank compliance. Provides superior customer service to both internal and external customers and
fellow employees by demonstrating a high degree of professionalism. Adheres to all state and federal regulations
including but not limited to HMDA, RESPA, Fair Lending practices, etc. Responsible for timely completion of
required training applicable to the position and regular and effective application of such training in the performance
of the position.
ESSENTIAL JOB FUNCTIONS:
1 Processes new Conventional and Government mortgage applications; such as but not limited to reviewing new
applications for completion and early disclosures, obtains all documentation necessary to verify application
information, evaluates documentation to ensure compliance with Agency, Investor and Bank requirements, finds
solutions when verifications alter the quality of the loan and calculates allowable income to be used for qualification
of the loan. (65%)
2 Ensures information is accurate in System of Record and Tracks the process and receipt of documentation in the
System of Record. (20%)
3 Detects non-qualifying applicants early in the process and works with the Mortgage Loan Originator towards
innovative viable alternatives to qualify the Borrower. (10%)
MARGINAL JOB FUNCTIONS:
1. Performs other duties as assigned. (5%)
PERSONAL FINANCES: Must have the ability to manage personal finances
NECESSARY KNOWLEDGE, SKILLS & ABILITIES:
1. Thorough knowledge of loan documents, insurance requirements and real estate terminology preferred
2. Good verbal and written communication skills
3. Good organizational skills
4. Strong analytical skills
5. Ability to work under time constraints.
6. Skill in operating the following office equipment: computer, calculator, typewriter, copy machine, fax and
7. PC proficiencies with Windows based software in Word and Outlook
EDUCATION & EXPERIENCE:
1. High School graduate or equivalent.
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2. 2 years 1st Mortgage Processing experience preferred
PHYSICAL REQUIREMENTS: 0-24% 25-49% 50-74% 75-100%
Must be able to read documents, computer screens, reports and
Must be able to communicate with customers and co-workers.
Climbing/Stooping/Kneeling etc.: X
Must be able to write and use keyboard.
Sedentary Work: Exerting up to 10 pounds of force occasionally and/or a negligible amount of force frequently or
constantly to lift, carry, push, pull or otherwise move objects, including the human body. Job involves sitting most of
the time and if walking and standing is required, only occasionally.
NOTE: The statements herein are intended to describe the general nature and level of work being performed by
employees assigned to this classification. They are not intended to be constructed as an exhaustive list of all
responsibilities, duties, and skills required of personnel so classified.
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