MORTGAGE LOAN PROCESSOR - Louisville, KY or Paris, KY

As a Mortgage Loan Processor, you will be responsible for the processing of a mortgage loan to insure the loan meets our Agency and Compliance requirements. To better serve the customer, must have knowledge of the different products available. Work closely with the all parties involved to create and maintain complete customer satisfaction.

Responsibilities

Daily responsibilities include, but are not limited to, the following:

• Gather and interpret data that support mortgage loan request, such as automatic underwriting findings, credit reports, income and asset documentation, appraisals and other requirements
• Analyze information for completeness, accuracy and acceptability of Agency guidelines
• Submit complete loan packages to underwriter for review
• Develop ability to maintain timely processing of a loan package from receipt of file to closing with maximum timelines of 30 days for conventional loans and 45 days for government loans
• Aware of product requirements to have the ability to negotiate the necessity of approval conditions that could be deemed unnecessary and a hardship to the customer to produce
• Develop and maintain up-to-date knowledge of Agency and Bank's guidelines, rules and regulations pertaining to generating an acceptable mortgage loan
• Keep all parties involved with the mortgage transaction current and up-to-date with the status of the loan during the process
• Ability to provide complete and accurate HMDA reporting information
• Perform other departmental duties as workload and priorities dictate
• Assist other mortgage department personnel when necessary
  
  

Job Requirements

The Successful Candidate Will Have The Following Qualifications

• High school/GED education
• 1-3 years experience in FHA, VA, Conventional mortgage processing or underwriting
• Ability to function independently in a multi-task environment, as well as part of a team
• Comfortable communication with all levels of management and employees
• Proven knowledge of Automatic Underwriting Systems and Mortgage Processing Systems
• Proven knowledge and experience pertaining to the processing of conventional and government loans
• PC literacy with 35 WPM typing skill
• Strengths in problem solving and resolution
• Detailed oriented and self motivating
• Strong planning and organizational skills
• Good oral and written communication skills
  
  

Benefits

• 401(k) with a company match of up to 6%
• ESOP employer match
• Medical insurance
• Dental insurance
• Vision insurance
• Cancer / Disease insurance
• Accident insurance
• Flexible Spending Accounts
• Health Savings Accounts
• Bank paid Life / AD& D insurance
• Voluntary Life / AD&D insurance
• Bank paid Short-Term and Long-Term Disability insurance
• Employee Stock Purchase Plan
• Employee Assistance Program
  
  

Physical Requirements

The physical demands described here are representative of those that must be met by an employee in order to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

This position requires sitting the majority of the time with limited walking and standing. Must be able to see, hear, speak, grasp paperwork, and type. All work occurs indoors and within regular working hours. The noise level in the work environment is usually moderate.