Senior Mortgage Processor

Androscoggin Bank, a values-driven, mutual savings bank based in Lewiston, Maine has an opening for a Senior Mortgage Processor that will work hand-in-hand with our Mortgage team to prepare and provide regulatory disclosures on complex loans. Gathers, analyzes and verifies documentation required to facilitate the movement of loans through to Underwriting as efficiently and timely as possible.

Communicates and coordinates with clients when problems are identified and remedies as soon as possible. Communicates with assigned Loan Officers. Serves as a subject matter expert and a leader in the department and helps Management achieve department goals and objectives.

Assembles and submits complete loan files to underwriting within department's Service Level Agreements timeframes. Assists in training other Mortgage Specialists/Processors. Relies on experience and judgment to work independently and accomplish goals.

Maintains an average pipeline of 40 loans per month and is able to work in a fast pace and stressful environment.

- Works with assigned Mortgage Loan Officer and Mortgage Sales Assistant, if applicable, to provide excellent client service by supporting with documentation gathering, analysis and application issues, and meeting established metrics for turnaround on complex mortgage loans. Demonstrated ability to conduct a thorough review of a loan file, analyze the requested transaction and quickly identify problems that may exist as early in the process as possible.

- Prepares and provides accurate RESPA and Reg. B disclosures (as required) to clients.

- Assumes control of files submitted by Mortgage Loan Officer and Mortgage Sales Assistant, if applicable for processing. Corresponds and communicates with clients to:

- Keeps Mortgage Loan Officer and Mortgage Sales Assistant, if applicable abreast of all client and file issues.

- Performs timely analysis/review of information supplied by applicants and/or outside sources.

- Ordering credit supplements and credit refreshes as applicable

- Monitoring completeness/status/delivery of underwriting and regulatory conditions

- Trains and serves as a mentor for more junior Mortgage Loan Specialists. Answers questions and acts as a subject matter expert for department staff.

- Updates loan status in LOS, CRM, and/or pipeline report as necessary.

- Provides support to other department personnel as requested.

- Prepares reports for management and outside agencies. Does other research as necessary.

High school diploma or general education degree (GED) required, Bachelor's degree preferred

- 7+ years of experience in mortgage loan processing and TRID document preparation

- Demonstrated ability to conduct a thorough review of a loan file, analyze the requested transaction and quickly identify problems that may exist as early in the process as possible

- Proven experience with Agency, Government, and Portfolio lending guidelines and requirements

- In depth knowledge of loan department operations, policies and procedures

- Ability to train and mentor more junior Mortgage Specialists

- May review files of more junior Mortgage Specialists to help identify problem areas or troubleshoot problems already identified

- Basic to intermediate knowledge of multiple computer applications, specifically word processing, spreadsheet and database management software

- Ability to perform detail oriented work with a high degree of accuracy

- Proven ability to meet deadlines and complete work in a timely manner

Androscoggin Bank has an amazing benefits package, including a generous PTO plan, paid holidays, paid volunteering time, 401k participation with an ample match (we put money in your 401k even if you don't!), and access to Androscoggin Bank's full insurance benefit package, which includes medical, dental, vision, life, and disability.

Androscoggin Bank also offers paid parental leave to our employees, which grants all new parents six weeks of full pay!

Androscoggin Bank is also committed to supporting employee development, and employee benefits include a deep tuition and education reimbursement. Career paths are also available for any interested employee!

This position has an intended hiring range of $28 to $30 per hour, depending on skills, experience, and other qualifications.