Work from Home - Home Loan Processor- PIPELINE

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.

Statewide, IA

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: The Auto Club Group (ACG) provides membership, travel, insurance, and financial services offerings to approximately&nbsp;13.5 million members and customers across 14 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; <div id="gtx-trans" style="position: absolute; left: -161px; top: 26px;">&nbsp;</div>
Responsibilities: <p align="left">The Auto Club Group is seeking prospective Home Loan Processors who can work with customers to complete the residential mortgage loan application and submission process.</p> <p align="left">In this position, you will have the opportunity to:</p> <ul> <li>Work with customers to ensure that all documentation for residential mortgages is complete and meets all requirements.</li> <li>Calculate debt-to-income and loan-to-value ratios and assemble a fully documented loan file for submission for underwriting within established timeframes.</li> <li>Submit loans through desktop underwriting systems</li> <li>Fulfill all conditions required by automated loan origination systems and/or home loan underwriter</li> <li>Prepare required loan disclosures within regulatory requirements, review underwriting conditions as they are received to ensure documentation meets secondary market loan requirements, and work with mortgage loan officers to establish closing dates and meet standards for closing percentages of loans processed</li> <li>Perform final review of completed application packages and prepare files for final approval</li> <li>Alert underwriters to produce decline/withdrawal letters and assist with the reason(s) for action</li> <li>Maintain necessary records to ensure compliance with HMDA reporting and follow up with title companies for the receipt of recorded documents</li> </ul> <p align="left">With our powerful brand and the mentoring we offer, you will find your position as a&nbsp;<strong>Home Loan Processor&nbsp;</strong>can lead to a rewarding career at our growing organization.</p> <div id="gtx-trans" style="position: absolute; left: -59px; top: -20px;">&nbsp;</div>
Requirements: <ul> <li>Have a high school diploma or equivalent</li> <li>Associate&rsquo;s degree in a related field preferred</li> <li>2 years&rsquo; experience processing loans with a background in a high-volume environment, preferably in the mortgage broker industry preferred</li> <li>Experience in/with mortgage lending of first mortgages sold on the secondary market and processing conventional, FHA, VA and/or USDA loans, second mortgages and home equity lines of credit in a Processor, Closer/Funder or Post Closer capacity</li> <li>Possess a keen understanding of regulatory requirements and documents to include Reg Z, Truth in Lending Act, Fair Housing Act, and another state/federal consumer/lender regulations regarding the extension of credit</li> <li>Experience with Automated Underwriting Systems (AUS) and Encompass preferred</li> <li>Ability to perform mathematical functions to include fractions, ratios, and statistics and demonstrate knowledge of General Ledger entries and account balancing processes and techniques</li> </ul> <p align="left">Successful Home Loan Processors will be able to handle high volume applications, high attention to detail-oriented, possess strong organization and have strong oral and written communication skills as well as have the ability to translate industry language to the end-user to fulfill loan requirements.</p> <p align="left">Important Note:</p> <p align="left">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.</p> <p>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.</p>