Sr. Loan Processor

• Under minimum supervision, performs at a proficient skill level all aspect of the department including advanced knowledge of loan documentation software (e.g. LaserPro or Encompass) for First and Second Lien Mortgages. Reviews all loan applications, including the most complex and non-standard cases, for completeness and accuracy. Verify applicant information, income, employment history and credit.
• Must be able to process all types of loan files within pipeline at different stages of the loan process. Order, collect, verify and analyze documentations required for submitting files to Underwriting. Order and follow up with third party vendors. Calculate income, able to read tax returns, and other income documentation. Pipeline management, meeting contingencies and close of escrow dates.
• Assure loan packages are accurate and compliant with State and Federal Regulations, RESPA, Reg Z, HMDA and Reg B, etc. Ability to order AUS, comprehend and clear AUS conditions/findings. Ability to prioritize daily work to meet deadlines and adjust to last minute changes.
• Collect and organize all necessary documentation from sales team. Order verifications and validate documentation and information.
• Maintain clear and open communication with sales team, underwriters, escrow, etc., throughout the loan process. Prepare and submit complete loan files to underwriting for approval.
• Ensure compliance with all federal and state regulations governing mortgage lending.
• Identify and resolve any issues or discrepancies in loan file. Manage loan pipeline to meet processing deadlines, loan contingencies and closing dates.
• Participates in departmental projects. May oversee work of less experienced loan processors Performs all other job duties as assigned by supervisor.

• Minimum 5 years of applicable experience required. High School or GED required.
• Experience with both conventional and government loan products as well as correspondent, delegated, non-delegated, broker, CalHFA, USDA.
• Ability to maintain a positive and friendly attitude even when under pressure
• Ability to work effectively without direct supervision.
• Ability to comprehend and interpret Bank policies and procedures.
• Possess effective time management and organizational skills.
• Demonstrates teamwork in facilitating workflow. High level of cooperation with others and is responsive to the Bank’s needs.
• Exemplary motivation, enthusiasm, professionalism and team skills.
• Have high level of accuracy and great attention to detail.
• Strong analytical and problem solving skills.
• Demonstrates excellent customer service skills.
• Ability to cope with pressure resulting from meeting required deadlines, reporting requirements and training responsibilities.
• Exhibit high degree of professionalism and confidentiality in handling and having access to sensitive customer or employee information.
• Ability to handle constant use of tact, discretion and good judgment.
• Ability to travel between bank locations and/or commute for training purposes - less than 25%

• Mechanics Bank is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, religion, national origin, age, genetic information, veteran status, or on the basis of disability, gender identity, sexual orientation or other bases prohibited by applicable law.
• Please view Equal Employment Opportunity Posters provided by OFCCP

Mechanics Bank