Mortgage Loan Processor

Are you looking for a new opportunity that offers career development/training, ability to work in a collaborative team environment, and provides great work/life balance?

Horizon Farm Credit is actively seeking a Mortgage Loan Processor, internally referred to as a Home & Land Processor to join our team. Qualified candidate may work in the Westminster, MD, Winchester, VA, or Mechanicsburg, PA branch location. Our ideal candidate is an analytical individual with strong communication skills, ability to multitask, and flexible to a changing work environment.

POSITION SUMMARY: In this position, you will prepare loan closing documents, close loans, disburse proceeds, procure collateral, complete file documentation and follow-up, and ensure procedures are followed to deliver loans with accurate and compliant legal documentation. Processes/closes loan packages, typically ACA loans. You will close loans in accordance with District guidelines and legal documentation standards.

Areas of responsibility include:

Process, close, fund, and book all new loans and servicing actions according to applicable processing procedures and practices; including:

Prepare commitment, notes, lien Instruments, and other general loan documents that represent what is outlined in the stamped credit package.
Accurate data entry of PD/LGD/Collateral Values and other data to result in a loan booking that represents what is outlined in the stamped credit package.
Prior to loan closing, confirm loan conditions outlined in the stamped credit package are met and filed.
Consult and confirm with Loan Officers, Underwriters, and other involved parties (management, attorney's, etc.) to confirm loan actions are completed accurately.
Confirm collateral is properly identified and secured with the loan documents; which includes quality review of signatures, dates, and initials, and completing necessary follow up to have errors or omissions corrected accurately and timely.
Review of new or existing collateral documents to ensure and/or verify correct lien position. Communicate with loan staff to confirm accuracy of lien documents and address any discrepancies.
Complete accurate checks and other accounting related forms for proper funding.
File all related documents timely, accurately, and consistently to ensure easy reference in the future by all staff.
Quality checking all of your work to ensure compliance and accuracy; maintaining satisfactory audit and QC review results.

Meet the target turnaround processing timelines and properly document system to ensure transparent communication for Sales, Loan Operations, and future audit needs.
Prepare appropriate file documentation and participation in ICFR compliance activities, including but not limited to PG/LGD secondary verification, TDAF and WDAF reviews. Work with branch office staff to ensure all post-closing documents are submitted timely to the Collateral Vault when returned directly to the branch.

Education

Associate's degree or equivalent experience in accounting, business, finance or related field.

Experience

Generally, one to eight years of experience with loan processing and documentation experience preferred or training/experience in banking, finance, or legal industries.

Skills

Strong written and verbal communication skills.
Quality and solution focused.
Detail oriented, independent judgement skills, and strong organizational skills.
Willingness to be collaborative and work well in a team atmosphere.
Adaptable and flexible to a changing work environment.
Excellent organizational skills with the ability to simultaneously work on multiple projects/assignments.
Ability to initiate, organize and prioritize work and maintain confidentiality.
Knowledge of computer software applications, which may include but not limited to: Adobe, MS Excel, MS Word, CRM, SharePoint, AgDocs, Accounting systems/mainframe/front end, Credit Delivery or other document generation software, report generation, vendor ordering software, and collateral database tracking.
Travel to/from other branch offices, associations, AgFirst, or other facilities as deemed necessary.
Prolonged periods sitting at a desk and working on a computer.

Salary Range: $40,500 - $52,000, depending on previous experience.

Equal Opportunity Employer including veterans and individuals with disabilities.