CENTRAL PROCESSOR/TRAINING ASSOCIATE

Summary:

The Mortgage Loan Processor will support the Central Processing & Training

Team in managing and advancing mortgage loan files from initial application

through underwriting, closing, and funding. This role ensures files are

complete, compliant, and move efficiently through the pipeline while

maintaining a high level of communication with loan officers, underwriters,

and other departments. Inclusion in Training related initiatives for new

onboarding employees and existing APM employees.

Essential Duties & Responsibilities:

• Provide industry leading customer service to clients via phone, email,

etc.

• Data entry into Encompass, MS Outlook, Excel and Word.
• Loan file set up: order 4506-T, order Social Security verification, order

VOEs, pull LDP/GSA, pull MERs info, pull USPS verification, verify

approved status of title/escrow, pull FHA case number if applicable.

• Loan pricing
• Request, prepare/review disclosures
• Sort loan related documents into appropriate fields in Encompass
• Review, follow up and track (contacting borrowers, title companies,

real estate offices, appraisers, lenders, etc.) documentation required

for loan processing throughout the process. Follow up and work with

Loan Officer/Borrower through funding on any items needed to close

loans.

• Assist Loan Officers with any other aspect of the loan closing as

directed

• Submit all eligible files through DU/LP for automated approval prior to

submitting to APMC or other lending institution

• Point of contact for Loan Officer and/or Borrower
• Ensure all borrowers receive final 1003 and MLDS in escrow prior to

signing loan docs

Follow through in obtaining broker check and other documentation

needed for closing

• Close out files after funding to meet the standards of our Quality

Control Department, work on any files with missing documentation or

those that may need corrections to make sure that all files meet AMPC

standards for Quality Control

• Conduct weekly pipeline review meetings with Loan Officers
• Maintain current posted turn times and customer service levels
• Develop and maintain current procedures for all functions within the

Loan Processor position

• Other duties as assigned
• Review new loan submissions for completeness and accuracy.
• Communicate with borrowers, loan officers, and third-party vendors to

collect documentation.

• Submit files to underwriting and coordinate conditions through to clear-toclose.
• Maintain system notes and ensure compliance with all federal, state, and

company requirements.

• Partner with the closing department to ensure timely delivery of loan

packages.

• Shared Training Resource for new branches & branches to facilitate

training. Assist in Capacity helping to answer Training Requests questions

• Mentoring new employees via the Training team
• Potential inclusion or lead for monthly training processor call
• Inclusion in Central Processing + Training monthly & weekly meetings
• Assist with drafting and editing branch-facing training collateral related

to workflow, loan products, provide help resources and training for the

company including instructional videos, how-to guides, or other related

areas of business

• Support other strategic initiatives associated with the production

education and training team by building and/or delivering training

• Other duties as assigned

Supervisory

Responsibilities: None

Qualifications: To perform this job successfully, an individual must be able to perform

each essential duty satisfactorily. The requirements listed below are

representative of the knowledge, skill, and/or ability required. Reasonable

accommodations may be made to enable individuals with disabilities to

perform the essential functions.

Competencies: To perform the job successfully, an individual should demonstrate the

following competencies:

Problem Solving -Analytical, evaluative, and problem-solving.

Identifies and resolve problems promptly; gathers and analyzes

information skillfully; develops alternative solutions; works well in

group problem solving situations; uses reason even when dealing

with emotional topics.

Detail Oriented - Keen attention to detail

Interpersonal Skills -Ability to set and manage priorities judiciously

Maintains confidentiality; keeps emotions under control.

Oral Communication - Ability to present ideas in businessfriendly and user-friendly language. Speaks clearly and

persuasively in positive or negative situations; listens and gets

clarification; responds well to questions; participates in

meetings.

Written Communication - Writes clearly and informatively; edits work

for spelling and grammar; presents numerical data effectively; able to

read and interpret written information.

Teamwork - Ability to work in a team-oriented, collaborative

environment. Contributes to building a positive team spirit.

Attendance/Punctuality - Is consistently at work and on time,

ensures work responsibilities are covered when absent.

Dependability - Follows instructions, responds to management

direction; takes responsibility for own actions; keeps commitments;

commits to long hours of work when necessary to reach goals;

complete tasks on time or notifies appropriate person with an

alternate plan.

Initiative - Exceptionally self-motivated and directed. Volunteers

readily; undertakes self-development activities; seeks increased

responsibilities.

Innovation - Displays original thinking and creativity; generates

suggestions for improving work.

Education & * Experience in retail residential mortgage loan origination

Experience required. Preferably as a Loan Officer, Loan Officer Assistant, or

Processor.

• Strong knowledge of multiple loan programs including FHA/VA,

Conventional, ACCESS, USDA, DU/LP, Jumbo.

• Ability to credit qualify borrowers.

Skills:

Diversity Skills: Ability to work with a diverse base of contacts.

Language Skills: Ability to read and interpret documents and writes

routine correspondence. Ability to speak effectively with

customers/vendors or other employees.

Mathematical Skills: Ability to add, subtract, multiply, and divide in all

units of measure, using whole numbers, common fractions, and

decimals. Ability to compute rate, ratio, and percent. Strong

mathematical aptitude, ability to calculate income via W-2/Tax Returns

Reasoning Ability: Ability to apply common sense understanding to carry

out instructions furnished in written, oral, or diagram form. Ability to

deal with problems involving several concrete variables in standardized

situation.

Computer Skills: Sound working knowledge of computer and office

software operations and systems. Experience with or ability to quickly

learn Encompass and Microsoft suite programs.

Physical Demands: The physical demands described here are representative of those that

must be met by an employee to successfully perform the essential

functions of this job. Reasonable accommodations may be made to

enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly

required to sit, use hands to finger, handle, or feel and talk or hear. The

employee is occasionally required to walk and stoop.

Work Environment: The work environment characteristics described here are

representative of those an employee encounters while performing the

essential functions of the job. Reasonable accommodations may be

made to enable individuals with disabilities to perform the essential

functions.

The noise level and temperature in the work environment is usually

moderate.

This job description does not promise or imply that the functions listed are the only duties to

be performed or that the position may not change or be eliminated.

The Company has reviewed this job description to ensure that essential functions and

basic duties have been included. It is intended to provide guidelines for job expectations

and the employee's ability to perform the position described. It is not intended to be

construed as an exhaustive list of all functions, responsibilities, skills, and abilities.

Additional functions and requirements may be assigned by supervisors as deemed

appropriate. This document does not represent a contract of employment, and the

Company reserves the right to change this position description and/or assign tasks for the

employee to perform, as the Company may deem appropriate.