Mortgage Loan Officer

posted:
Location
Saginaw, Michigan
Industry
Banking (Business and Financial Operations Occupations)
Job Type
Temp to Perm
Working Hours
8:30 AM - 5:00 PM
Salary
US$ 12.00 - US$ 15.00 per hour
Ref. Number
S_59885
Contact
Kathy Weaver, Spherion
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Job Description

Full time, M-Th, 8:30-5 and F 8:30 - 6p. Effective written and verbal communication skills. Attention to detail and accuracy. Team player and willingness to provide assistance when called upon. Computer skills and problem solving abilities will be required. Creative problem solver with a positive attitude. Organizational and member service skills. Ability to become and remain 100% bonded. Two year of loan operation and underwriting experience is desired. High school diploma or GED required.

Responsibilities:
- Develop mortgage loan business through membership, calls to realtors, contractors, and other various loan steals.
- Assist and monitor control procedures for the mortgage loan portfolio.
- Interview loan applicants and assist members with the loan application process.
- Obtain and evaluate credit bureau reports on applicants.
- Pull credit reports on all applications, verify debts, and estimate monthly payments for any outstanding debts not listed and add them to debts on application.
- Approve or deny real-estate loan applications, and explain reasons for denial.
- Inform members of their loan approvals or denials and any loan requirements or conditions.
-Stay knowledgeable on the following Mortgage Guidelines: secondary market (FNMA) guidelines, PMI guidelines, FHA guidelines, and RD guidelines.
- Ensure that each real-estate loan is processed accurately.
- Prepare real-estate loan application and document packet for closing.
- Pay title company fees for title searches, legal work, and appraisals.
- Pay real-estate taxes, including calculating tax shortages and new monthly payments.
- Maintain accurate records of insurance and taxes on real-estate loans.
- Maintain escrow accounts for the payment of members? taxes and insurance premiums.
- Work with Credit Solutions in regards to delinquent real-estate loans, and take action as necessary.
- File necessary papers with the state land title for mortgages.
- Close real-estate loans and follow through with all closing requirements.
- Review file after closing - Verify all information is inputted into Mortgage Cadence/New Solutions correctly.
- Perform other related duties as assigned

Working hours: 8:30 AM - 5:00 PM

Skills:
Microsoft Office Suite
Previous Loan and/or mortgage experience

Education:
High School

Experience:
1-4 years

Qualifications:
High School Diploma
Ability to be bonded


Terrific career opportunity.

Spherion has helped thousands of people just like you find work happiness! Our experienced staff will listen carefully to your employment needs and then work diligently to match your skills and qualifications to the right job and company. Whether you're looking for temporary, temp-to-perm or direct hire opportunities, no one works harder for you than Spherion. EEO Employer: Race, Religion, Color, National Origin, Citizenship, Sex, Sexual Orientation, Gender Identity, Age, Disability, Ancestry, Veteran Status, Genetic Information, Service in the Uniformed Services or any other classification protected by law.

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