11 Jun 2018

Freelance Mortgage Loan Processing Specialist ~ TCF Home Loans – TCF Bank – Plymouth, MN

TCF Bank – Posted by Find a Job in Minnesota Plymouth, Minnesota, United States

Mortgage Loan Processing Specialist ~ TCF Home Loans - TCF Bank - Plymouth, MN thumbnail

Job Description

This a GREAT NEW opportunity at TCF Home Loans! The Mortgage Loan Processing Specialist is located at our Plymouth Corporate Center. The ideal candidate has experience with FHA, VA, working with customers, and resolving issues.
The Mortgage Loan Processing Specialist is responsible for activities required to process and close mortgage loan requests. Work within guidelines of Federal Housing Administration (FHA), Veteran Affairs (VA), the United States Department of Agriculture (USDA) loan programs, and Conventional Mortgages to support the preparation, review, and follow-up/closing for the mortgage application process. Responsibilities include assisting customers with inquiries and resolving issues, reviewing and obtaining necessary information and documentation to submit for final underwriting, and scheduling and confirming loan closings. Work closely with branch employees, underwriters, loan originators, lenders and buyers to provide excellent customer service and accuracy of documentation primarily for first mortgage loans.

Major Areas of Accountability
  • Reconcile the complete file after required information has been obtained and verify underwriting conditions have been satisfactorily cleared by the underwriting or investor. Prepare, verify, and disburse funds to title companies at loan disbursement.
  • Review new loan application files for compliance, accuracy and completion. Initiate corrective action when needed. Submit credit documentation along with automated findings of borrower criteria to underwriting to obtain final approval.
  • Primary point of contact during processing for applicants, realtors and/or attorneys, vendors, and other internal lenders and branch banking employees. Answer general customer inquiries and resolve customer issues.
  • Interact with third party vendors to obtain credit reports, appraisals, title reports, flood certifications, and tax transcripts. May interact with government or insurance agencies as needed.
  • Review and compile loan documents to comply with loan approval and secondary market guidelines and deadlines. Maintain current knowledge of internal and external regulation, changes to policy, and changes to procedure.
  • Provide guidance and work direction to new loan processors and assist with training of new hires as applicable; review work of others.
Qualifications


Minimum Qualifications

Required:
  • High-school education or equivalent
  • 1-2 years post-secondary coursework in finance/accounting or equivalent experience.
  • 5 plus of experience in mortgage loan processing and closing activities with thorough knowledge of FHA/VA, USDA, Department of Housing and Urban Development (HUD), and Conventional Loan guidelines.
  • Previous experience using Encompass preferred.
  • Thorough knowledge of RESPA, TILA and all other mortgage regulations.
  • Strong decision-making skills and the ability to move quickly between tasks.
  • High level of analytical abilities, or math aptitude.
  • Ability to maintain a high level of confidentiality.
  • Strong attention to detail.
  • Proficient at multi-tasking responsibilities and projects while maintaining deadlines and work quality.
  • Excellent computer skills, which include Microsoft Office programs and a familiarity with automated vendor processing systems such as Desktop Underwriter (DU).
  • Strong verbal and written communication skills with employees internally and with customers and vendors externally.
  • Work efficiently and independently under pressure in a fast-paced environment.

Preferred:
  • Four-year college degree in finance or accounting
  • 7+ years’ experience in conventional, HUD, FHA/VA mortgage loan processing.

Why choose TCF?
Established in 1923, TCF has maintained a strong foundation. TCF has over 340 branches in Minnesota, Illinois, Michigan, Colorado, Wisconsin, Indiana, Arizona and South Dakota, providing retail and commercial banking services. TCF also conducts commercial leasing, indirect auto finance, and equipment finance business in all 50 states, and commercial inventory finance business in all 50 states and Canada.


Our Benefits
TCF encourages open employee communications and promotes from within whenever possible. We offer competitive pay, a comprehensive benefits plan, and opportunities for career advancement. For more details on our benefits, click on the Employee Benefits link on our career page.


We’re proud to be an equal opportunity employer
All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, or other status protected by applicable law. TCF is proud to be an affirmative action/equal opportunity employer. Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.
Primary Location:USA-Minnesota-Plymouth-Us-Mn-Plymouth- 1405 Xenium Lane N

Work Locations
: Us-Mn-Plymouth- 1405 Xenium Lane N 55441

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Job Categories: Accounting, Admin, Agriculture, Banking, Customer Service, Education, Finance, Government, Insurance, Law, Other, and Retail. Job Types: Freelance. Job Tags: customer service, education, and government.

Job expires in 16 days.

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