Senior Home Loan Processor

A career at The Auto Club Group (ACG) can be satisfying, exciting and rewarding. By aligning your professional development with our business objectives, ACG can help you attain your career goals — and make a difference. Get started by choosing the career that’s right for you.

Saint Petersburg, FL

The Auto Club Group

AAA was founded over 100 years ago for the purpose of lobbying for driver and passenger rights, fair laws and safer vehicles — all to better promote the love of the open road and the adventure of driving. Since then, AAA has grown to over 50 million members strong, while providing valuable membership services such as roadside assistance. Additionally, AAA has broadened its horizons to include all types of travel-related services, as well as offer a variety of insurance and financial products and services. Today’s AAA is a national federation comprised of more than 50 individual clubs throughout the United States and Canada. Whether you’re traveling around the world or to the corner grocery store, planning a honeymoon or weekend road trip, learning to drive or in need of a battery boost, the best way to begin your journey is with AAA.

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Competitive Compensation and Benefits Package

Overview: <p>The Auto Club Group (ACG) provides membership, travel, insurance, and financial services offerings to approximately 9 million members and customers across 11 states and 2 U.S. territories through the AAA, Meemic, and Fremont brands. ACG belongs to the national AAA federation and is the second-largest AAA club in North America.&nbsp;</p> <div id="gtx-trans" style="position: absolute; left: -434px; top: 25.3608px;">&nbsp;</div>
Responsibilities: <p><span style="font-family: Arial;">The Auto Club Group is seeking prospective&nbsp;<strong>Senior Home Loan Processors&nbsp;</strong>who will review and complete processing of all information submitted on complex, highly detailed, and/or high profile residential mortgage loan applications. &nbsp;</span></p> <p align="left"><span style="font-family: Arial;">In this position, you will have the opportunity to:</span><span style="font-family: Arial;">&nbsp;</span></p> <ul> <li> <p><span style="font-family: Arial;">Complex loans/files include investor loans, loans associated with special government programs, and/or complicated accounts with short turn-around purchase transactions.&nbsp;</span></p> </li> <li> <p><span style="font-family: Arial;">Gather missing information to complete the loan submission process.&nbsp;</span></p> </li> <li> <p><span style="font-family: Arial;">Initiate and maintain contact with clients and Home Loan Originator throughout the processing period.&nbsp; Ensure that all documentation is complete and meet all requirements.&nbsp;</span></p> </li> <li> <p><span style="font-family: Arial;">Calculate debt-to-income and loan-to-value ratios and assemble a completely documented loan file for submission to underwriting within established timeframes.</span></p> </li> <li> <p><span style="font-family: Arial;">Submit loans through a desktop underwriting system (secondary market loan).&nbsp;</span></p> </li> <li> <p><span style="font-family: Arial;">Meet all conditions required by the automated loan origination system and/or the home loan underwriter.&nbsp; Prepare required loan disclosures in accordance with regulatory requirements. &nbsp;</span></p> </li> <li> <p><span style="font-family: Arial;">Review underwriting conditions when received to ensure documentation meets secondary market loan requirements.&nbsp;</span></p> </li> <li> <p><span style="font-family: Arial;">Monitor the overall pipeline to identify triggers that require review.</span></p> </li> <li> <p><span style="font-family: Arial;">Work with mortgage loan officers to establish closing dates and meet standards for closing percentages of loans processed.&nbsp;&nbsp;</span></p> </li> <li> <p><span style="font-family: Arial;">Perform final review of completed applications packages and prepare files for approval.&nbsp;</span></p> </li> <li> <p><span style="font-family: Arial;">Alert underwriter to produce Decline/Withdrawal letters and assist underwriting with the reason(s) for action.&nbsp;</span></p> </li> <li> <p><span style="font-family: Arial;">Maintain necessary records to ensure compliance with HMDA reporting requirements and follow-up with title companies for the receipt of recorded documents.&nbsp;</span></p> </li> <li> <p><span style="font-family: Arial;">Serve as a lead/resource by proving assistance to lower-level staff.&nbsp;</span></p> </li> <li> <p><span style="font-family: Arial;">Handle more advanced/complex items and/or escalated disclosure issues.&nbsp;</span></p> </li> <li> <p><span style="font-family: Arial;">Utilize advanced knowledge and methods to identify issues in order to formulate and implement loan-level solutions.&nbsp;</span></p> </li> <li> <div><span style="font-family: Arial;">Participate in large projects or lead components of projects.</span></div> </li> <li> <p><span style="font-family: Arial;">Ensure an understanding of departmental processes.&nbsp;</span></p> </li> <li> <p><span style="font-family: Arial;">Proactively work to identify, recommend, and assist in the implementation of means to enhance department operations.&nbsp;</span></p> </li> <li> <p><span style="font-family: Arial;">Maintain ongoing knowledge of industry standards and develop higher-level working knowledge necessary to be successful in the current role and possible progression within a given field.</span></p> </li> </ul> <div><u><span style="font-family: Arial;">&nbsp;</span></u></div> <div align="left"><span style="font-family: Arial;">&nbsp;</span></div> <p align="left"><span style="font-family: Arial;">With our powerful brand and the mentoring we offer, you will find your position as a&nbsp;</span><strong><span style="font-family: Arial;">Senior Home Loan Processor</span></strong><span style="font-family: Arial;">&nbsp;can lead to a rewarding career at our growing organization.</span></p>
Requirements: <div><u><span style="font-family: Arial;">Education:</span></u></div> <ul> <li> <p align="left"><span style="font-family: Arial;">High School Diploma or equivalent</span></p> </li> <li> <p align="left">Associate Degree in related field</p> </li> </ul> <div><u><span style="font-family: Arial;">&nbsp;</span></u></div> <div><u><span style="font-family: Arial;">Experience:</span></u></div> <ul> <li> <p align="left"><span style="font-family: Arial;">Five years of experience in/with residential mortgage lending of first mortgages sold on the secondary market in a Processor, Closer/Funder or Post Closer capacity to include the following:</span></p> <ul> <li> <p align="left"><span style="font-family: Arial;">Processing conventional, FHA, VA and/or USDA loans in a Processor, Closer/Funder or Post Closer capacity</span></p> </li> <li> <p align="left"><span style="font-family: Arial;">Processing second mortgages and home equity lines of credit in a Processor, Closer/Funder or Post Closer capacity</span></p> </li> <li> <p align="left"><span style="font-family: Arial;">Working with and analyze pipeline reports to prioritize pipeline workflow ensuring timely completion of files &nbsp;</span></p> </li> <li> <p align="left"><span style="font-family: Arial;">Utilizing math concepts including fractions, ratios, statistics, etc.</span></p> </li> <li> <p align="left"><span style="font-family: Arial;">Processing &ldquo;in-house&rdquo; first and second mortgage loans as well as HELOC&rsquo;s in a Processor, Closer/Funder or Post Closer capacity</span></p> </li> <li> <p align="left"><span style="font-family: Arial;">Working with underwriters and borrowers for resolution of underwriting issues</span></p> </li> <li> <p align="left"><span style="font-family: Arial;">Working with secondary market investors to ensure the timely purchase of loans that are sold</span></p> </li> <li> <p align="left">Analyzing mortgage loan credit package (income, assets, credit and collateral)</p> </li> </ul> </li> </ul> <div><u><span style="font-family: Arial;">Knowledge and Skills:</span></u></div> <p><span style="font-family: Arial;">Advanced Knowledge of:</span></p> <ul> <li> <p><span style="font-family: Arial;">Mortgage loan products, services, pricing, tax and regulatory issues</span></p> </li> <li> <p><span style="font-family: Arial;">Mortgage loan processing and closing procedures</span></p> </li> <li> <p><span style="font-family: Arial;">FCRA, ECOA, HMDA, REG Z as well as other state and federal consumer/lender regulations regarding the extension of credit</span></p> </li> <li> <p>Automated Underwriting and Loan Origination systems, particularly Encompass</p> </li> </ul> <div><span style="font-family: Arial;">&nbsp;</span></div> <div><span style="font-family: Arial;">&nbsp;</span></div> <p><span style="font-family: Arial;">Demonstrated skills in/with:</span></p> <ul> <li> <p><span style="font-family: Arial;">Analyzing and solving complex loan processing issues</span></p> </li> <li> <p><span style="font-family: Arial;">Organization and planning</span></p> </li> <li> <p><span style="font-family: Arial;">PC software applications including Word and Excel</span></p> </li> <li> <p>Maintaining accurate records</p> </li> </ul> <div><span style="font-family: Arial;">&nbsp;</span></div> <div><span style="font-family: Arial;">Ability to:</span></div> <ul> <li> <p><span style="font-family: Arial;">Provide input and assistance to less-experienced staff</span></p> </li> <li> <p><span style="font-family: Arial;">Professionally communicate with others in a work environment</span></p> </li> <li> <p><span style="font-family: Arial;">Adhere to mortgage loan processing and closing procedures</span></p> </li> <li> <p><span style="font-family: Arial;">Assist in the development of loan processing process and procedures</span></p> </li> <li> <p><span style="font-family: Arial;">Work effectively with Manager, IT, and vendors in regard to the Loan Origination System</span></p> </li> <li> <p><span style="font-family: Arial;">Complete detailed tasks accurately and in a timely manner</span></p> </li> <li> <p><span style="font-family: Arial;">Prioritize work properly to meet deadlines</span></p> </li> <li> <p><span style="font-family: Arial;">Work well under pressure</span></p> </li> <li> <p><span style="font-family: Arial;">Work flexible hours including after hours and weekends.</span><span style="font-family: Arial;">&nbsp;</span></p> </li> </ul> <p align="left"><span style="font-family: Arial;">Successful<strong>&nbsp;Senior Home Loan Processor</strong>&nbsp;will possess effective communication skills, ambition, motivation, and drive!<br /><br /></span></p> <div align="left"><span style="font-family: Arial;">Important Note:</span></div> <p align="left"><span style="font-family: Arial;">The above statements describe the principal and essential functions, but not all functions that may be inherent in the job. This job requires the ability to perform duties contained in the job description for this position, including, but not limited to, the above requirements. Reasonable accommodations will be made for otherwise qualified applicants, as needed, to enable them to fulfill these requirements.</span></p> <p><span style="font-family: Arial;">The Auto Club Group, and all of its affiliated companies, is an equal opportunity/affirmative action employer. &nbsp;All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender identity, sexual orientation, national origin, disability, or protected veteran status.</span></p>