Job Description

Mortgage Loan Processor

Job Category: Mortgage

Requisition Number: MORTG015602

Location: On site in Birmingham, AL or Memphis, TN

Description

The Mortgage Processor Role will be responsible for performing a variety of documentation duties related to both agency and portfolio loans while ensuring compliance with policies and procedures for all loan products. Candidates must possess proficiency with technology and a strong sense of urgency with an ability to work in a team environment while maintaining excellent organization and communication skills. Candidates must also have the ability to self-manage a pipeline of 25-35 loans at all times.

Essential Duties and Responsibilities:

• Ability to self-manage a pipeline of 25-35 loans on a daily/weekly basis.
• Ability to calculate complex income streams and assist in restructuring of loan files.
• Maintain daily workflow prioritization to ensure closing dates are met.
• Adhere to published SLAs to promote effective pipeline management.
• Order all required verifications and documentation as required by product guidelines and underwriting.
• Analyze and ensure all documentation received are accurate and meets product guidelines and underwriting conditions.
• Responsible for monitoring rate locks and initiating any Change of Circumstances for re-disclosure requirements.
• Ensure follow-up to all Pre-Funding and Post-Closing Audits as requested.
• Provide excellent customer service to both internal and external clients.
• Communicate effectively with all parties to the transaction to keep them informed of file status.
• Mentor and provide assistance to Mortgage Processors I and II.
• All other duties as assigned

Qualifications:

• High school Diploma or General education degree with a minimum of five years of Mortgage Loan Processing experience.
• Ability to effectively use various computer software applications.
• Ability to embrace and adopt all Technology as set forth by the line(s) of businesses.
• Working knowledge of Mortgage Residential Loan Workflow from Origination to Post Closing.
• Basic accounting and mathematical skills.
• Ability to effectively Multitask.
• Work successfully in a fast-paced working environment and meet critical deadlines.
• Delivers excellent verbal customer service.
• Demonstrates Leadership
• Excellent interpersonal skills/Champions Teamwork
• Goal and success oriented.
• Self-Starter
• Highly organized, proven track record of successfully managing Time and Pipeline execution.
• A "sales" mindset
• Retail channel experience (partnering with MLOs, Operations, Underwriters, Regional Mgrs. & Bank Execs).
• Focus on Quality and Understanding of Regulation/Compliance requirements.
• Excellent verbal and written communication skills, bi-lingual in English and Spanish helpful.
• Ability to effectively multi-task, work well in a fast-paced working environment and meet critical deadlines.
• Commitment to a positive customer experience (internal and external).

As part of the employment process for this position, you will have to meet the requirements of a background credit check. This position requires compliance with the S.A.F.E Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements.

Benefit Highlights:

• Medical with wellness incentives, dental, and vision
• HSA with company match
• Maternity and parental leave
• Tuition reimbursement
• Mentor program
• 401(k) with 6% match
• More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits

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