Mortgage Interviewer

Point Breeze Credit Union
Under general supervision, but following established policies and procedures, interviews mortgage and consumer loan applicants, explains the different loan programs available

Maryland
Full Time
City: Hunt Valley

Point Breeze Credit Union is seeking a Mortgage Interviewer to join our team!

Under general supervision, but following established policies and procedures, interviews mortgage and consumer loan applicants, explains the different loan programs available and their requirements, obtains pertinent financial and loan information, and conducts a preliminary analysis to determine if the applicant meets minimum established criteria. Requires a high level of interpersonal skills to conduct productive interview sessions, and a thorough understanding of the requirements and features of the mortgage loan program.

Essential functions of this position are:
Interview members applying for mortgage and consumer loans. Answer all questions regarding rates and qualification requirements, explain the different mortgage and consumer loan programs and obtain pertinent financial data from the member.
Review mortgage file to verify that all documentation has been received; prepare file for review by reconciling the income, appraisal value, credit history; determine the terms and conditions of the loan; and present loan documentation to loan reviewer (underwriter) for approval.
Maintain loan documentation in the member's file, ensuring all policies and procedures are followed.
Set up escrow accounts for property tax and hazard insurance payments. Deposit appropriate funds and disburse cash-out portions from settlement. 
Responsible for various mortgage servicing functions such as, but not limited to, escrow disbursements, process paid mortgage loans, and filing recorded documents.
Responsible for coordinating the mortgage settlement with buyers, sellers, real estate agents, attorneys, and others.
Calculate loan amount and disburse funds for settlement. Prepare final documents to be signed at settlement.

Qualified applicants will have the following:
Education/Certification:  High school diploma or equivalent                                                             

Required Knowledge: Familiarity with mortgage loan products and features.

Experience Required:    
Three to five years of similar or related experience.
 Previous credit training preferred.
 Hands on experience with loan processing software packages.

Skill /Abilities:       
  Analytical ability to conduct preliminary analysis of an applicant’s financial condition.
   Excellent interviewing, telephone and interpersonal skills.
   Excellent analytical skills and attention to detail.
   Good organizational skills.
   PC proficient

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