Mortgage Processing Specialist

This is a fully remote position, open to applicants in Florida.

📋 Description

• Facilitate the progression of mortgage applications from the initial application and setup to the loan closing stage.

• Deliver exceptional service to clients and prospects both in person and via telephone.

• Address client inquiries and resolve issues effectively.

• Receive, review, reconcile, upload, index, and validate loan documentation.

• Ensure that all required forms, fees, and documentation are complete and accurate.

• Gather and evaluate client income, assets, investments, and debts in accordance with regulatory, product, and underwriting standards.

• Verify supporting documentation related to income, assets, liabilities, and Social Security.

• Communicate any discrepancies, missing information, and outstanding documentation to Mortgage Advisors and Mortgage Client Coordinators.

• Collaborate with third-party partners to secure appraisals, credit supplements, title commitments, verifications, insurance, payoff statements, and other relevant information.

• Obtain and review tax transcripts, insurance documentation, condo questionnaires, employment verifications, fraud alerts, and appraisals as necessary.

• Order documents as mandated by AUS findings, investors, and regulatory agencies.

• Prioritize and oversee workflow to adhere to Pinnacle's service level agreements (SLAs).

• Prepare, resubmit, and resolve PTA, approval, and PTC underwriting conditions.

• Prepare and issue Change of Circumstance, Loan Estimate, Notice of Intent (NOI), Adverse Action, and other client communications.

• Close incomplete loan files when the necessary documentation is not obtained.

• Refer clients to Trust, Investments, Insurance, Treasury Management, and additional specialty areas as appropriate.

• Support team members and undertake other assigned responsibilities.

⛳️ Requirements

• High School Diploma or Equivalent is required; a college degree is preferred.

• At least 10 years of experience in financial services and/or mortgage lending is necessary.

• Proficient in Microsoft Office Suite (Word, Excel, and PowerPoint) or similar software.

• Comprehensive understanding of bank products and services.

• Familiarity with federal and state banking regulations and mortgage lending compliance standards.

• Knowledge of underwriting guidelines for Fannie Mae, Freddie Mac, FHA, USDA, VA, and Jumbo loans.

• Strong verbal and written communication skills.

• Outstanding organizational and time-management abilities with a keen attention to detail.

• Understanding of essential mortgage lending documentation, processes, and procedures.

• Capability to thrive in a fast-paced environment and manage pressure while maintaining a high level of accuracy.

• Ability to multitask with competing priorities and adhere to tight deadlines.

• Exceptional client service skills.

• Tact and diplomacy when interacting with clients and team members.

• Ability to perform physical activities, including prolonged sitting/standing, manual dexterity, verbal communication, visual acuity, repetitive motion, hearing, bending, climbing, balancing, stooping, kneeling, crouching, reaching, walking, pushing, pulling, lifting, and grasping.

🏝️ Benefits

• Competitive salary and performance bonuses.

• Comprehensive health insurance options.

• Retirement savings plan with employer match.

• Opportunities for professional development and career advancement.

• Flexible work schedule and remote work options.