Job DetailsJob Location: Administration - Lewiston, ID 83501Position Type: Full TimeRole Mortgage Loan Processors are responsible for gathering, reviewing, preparing, and ordering required loan documents for all residential mortgage loans. Key responsibilities include following up to verify all loan conditions are fulfilled and the loan meets all credit union, regulatory, and secondary market guidelines. This position has an advanced and far reaching knowledge of the mortgage lending process and has demonstrated the ability to handle increased responsibilities. Major Duties and Responsibilities Reviews documents and orders additional documentation to assure files are complete. in compliance and comply with regulatory, lending, investor and secondary market guidelines/policies. Verifies accuracy of incoming data and addresses any issues or or discrepancies with borrowers and loan originators. Order appraisals, flood certifications, title commitments, tax transcripts, insurance and etc as needed for file. Prepares employment, income, asset and housing verifications, as needed. Examines documents, such as deeds, assignment, and mortgages, to ensure compliance with escrow instruction, credit union policy and legal requirements. Analyzes and assembles borrower data for submission to loan underwriters and effectively communicates and collaborates with borrower(s), loan officers, realtors, vendors and operations staff, providing updates and facilitating communication to meet various deadlines. Sends loan approval letters and adverse action notices. Reviews and prepares documents for closing and inputs data in computer system. Evaluates appraisals, title policies, credit reports and income verifications as well as other supporting documents for inconsistencies, potential fraud or other misrepresentation. Maintain a thorough working knowledge of all credit union mortgage products. Attend internal training sessions to keep current working knowledge of P1FCU product and policy updates. Maintain core values and complete other duties as assigned. Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. QualificationsKnowledge and Skills Experience Three years to five years of similar or related experience, including preparatory experience. Education/Certifications/Licenses A high school degree or equivalent Interpersonal Skills Courtesy, tact, and diplomacy are essential elements of the job. Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation. Other Skills Must have excellent knowledge of P1FCU mortgage products and services. Must be familiar with various computer software programs and comfortable with automated technology. Must be able to type, use PC, general office equipment including ten-key calculator and excellent in Excel and Word programs. Excellent organizational and editing skills, communication skills with vendors, staff, members, and general public. ADA Requirements Physical Requirements Is able to bend, sit, and stand in order to perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing / descending stairs in an emergency situation. Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Working Conditions Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise. Mental and/or Emotional Requirements Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to complete basic mathematical calculations, spell accurately, and understand computer basics. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.

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