Mortgage Processor

偏僻的

💰 財務

When someone applies for a new home loan or refinance, a mortgage processor puts together a file that contains the application information, supporting documentation and a credit report that they pull and analyze. Then, that file goes to the underwriter, who is responsible for determining whether to approve the application and setting the terms of the mortgage agreement for approved loans.

Mortgage Processor 做什麼？

The mortgage processor’s key responsibilities are to ensure the underwriter has all the information necessary to approve or deny a mortgage application and that loan documents are complete and ready for closing.

職責

A Mortgage Processor 應該能夠履行各種職責和責任。以下是 Mortgage Processor 應該能夠執行的一些職責和責任：

Checking loan applications for missing information and potential errors
Gathering and checking appraisals, income verification and other documents for completeness and accuracy
Running credit reports and evaluating creditworthiness
Requesting additional information for the underwriter as needed
Monitoring the underwriting process and providing updates to the mortgage officer
Entering borrower and loan information in customer management and mortgage information software

所需技能

有競爭力的Mortgage Processor將擁有一定的技能和資格，包括：

Effective oral and written communication skills to ensure a smooth flow of information between the mortgage officer and the underwriter
Organizational skills to ensure mortgage files and closing documents are complete and simple to use
Multitasking skills to keep track of multiple loan applicants’ information at one time
Knowledge of mortgage financing to seek supporting information for applications and preparing documents
Understanding of banking and finance regulations needed to ensure compliance with federal and state laws
Analytical skills to evaluate credit histories and spot potential errors

類似優惠

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