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Senior Mortgage Processor - Chandler

The Federal Savings Bank, a national bank and 4-time “50 Best Mortgage Companies to Work For” winner,  is actively searching for an experienced loan processing professional to assist with the timely processing of residential mortgage loans for the upcoming Chandler, AZ office

What We Offer:

  • Competitive salary plus an industry-leading bonus plan
  • Generous vacation days and sick days 
  • Health, Dental, and Vision insurance plans are available
  • 401k matching
  • Company-wide Employee Appreciation Events (Pizza Days, Empanada Days, Costume contests, holiday parties, and more!)
  • Virtual classroom training modules to broaden your industry knowledge
  • An amazing & unique culture; small-bank feel with big bank capabilities!

Our senior loan processing role is known as the "Underwriting Analyst".  The Underwriting Analyst’s primary goal is to have first-time approval from Underwriting with minimal conditions. It is the responsibility of the Underwriting Analyst to review, analyze, and submit loan documents to Underwriting based on agency, investor, and company guidelines with a focus on efficiency and quality. 

Duties and Responsibilities:

  • Set and maintain proper expectations with all parties on the loan file
  • Communicate with Borrowers, Junior Processing Analysts, and Bankers to obtain required loan documentation
  • Analyze package for completeness to ensure loan file meets investor guidelines
  • Analyze credit, income, asset, and collateral documents and submit files to underwriting
  • Calculate income for qualifying, including self-employed income analysis if needed
  • Clear loan conditions and communicate effectively with the Sales, Processing, and Underwriting team
  • Analyze Underwriting approval
  • Collaborate with Closing Processing Analysts to review & analyze title for all requirements and address issues, insurance coverage for the mortgage
  • Daily utilization of "Encompass" loan origination systems and automated underwriting systems "DU/LP"
  • Effectively manage loan pipeline at various volume levels
  • Complete internal compliance certification programs on applicable State/Federal regulations 
  • Assist in the seamless transition of new Mortgage Bankers and operations employees to our model
  • Work effectively under specific time constraints and meet end-of-month deadlines
  • Operate in a fast-paced environment
  • Complete Bank's customer service training and apply principles to everyday communications with borrowers and mortgage bankers  

Job Requirements:

  • High school degree required
  • 3 + years of recent Residential Mortgage Processing experience required
  • Recent Correspondent Lending experience preferred
  • Knowledge of agency & investor loan programs and underwriting criteria for government and conventional offerings required
  • Experience managing a pipeline of 40+ Purchase and Refinance loans
  • Proficiency with Encompass loan origination software preferred
  • Proficiency with Automated Underwriting Systems; DU/LP
  • Detail-Oriented & Solution-Oriented
  • Excellent Interpersonal, Communication, and Time Management Skills
  • Ability to maintain composure and operate effectively in high-pressure situations 
  • Ability to calculate income, including self-employed
  • Ability to work well in a team environment, a team-player
  • All applicants must be flexible with their schedules, as they may be required to work after-hours, especially during peak volume periods 
  • Bilingual or Multilingual professionals are always a plus!  

Employee Benefits:

  • Base Salary commensurate with experience, plus bonus
  • Generous paid time off, plus sick days
  • Comprehensive Health, Dental, and Vision insurance plans available; includes company paid life insurance
  • Competitive Flex Spending Accounts (FSAs)
  • Employee Assistance programs (EAPs) for financial planning, emotional support, legal guidance, and work-life solutions
  • Robust 401k matching
  • Employee appreciation events
  • Employee recognition on a national scale
  • A true team culture working towards one common goal; helping homebuyers finance their dream homes!

 

The Federal Savings Bank is an equal opportunity employer that respects its employees and understands that our success is derived from hiring individuals with true character and a focus on Efficiency, Quality, and Productivity.

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The Federal Savings Bank is an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status
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