Mortgage Processor & Closer

Job description

Employment Type: Fixed Term
 
Completes various processing and closing duties necessary to support a credit decision and close a mortgage loan, ensuring Company, investor, regulatory and industry guidelines are satisfied.
 
Successful applicant will review Retail Banking & Wealth Management (RBWM credit applications to ensure customer documentation and information provided are accurate and inputted appropriately. Role holder will prepare application for credit adjudication via administrative task (i.e. Translation, administrative CARM documents), owning and managing all assigned activities through to completion with consideration of SLA and providing progress communications as required.
 
Customers / Stakeholders
Work with borrowers, brokers, correspondents, sales and other areas to answer basic questions and provide information or status.
Operational Effectiveness & Control
Organize and assemble loan packages of a complex nature, input loan information into processing system. Complete initial assessment of loan documentation.
Order and ensure timely receipt of credit and appraisal information and verification of credit and other information required to complete a file.
Complete initial compliance review of loan documentation; prepare requests for additional documentation as required.
Assist in the closing process, including preparing documents and coordinating closings.
This position operates within established procedures for assigned unit. Decisions beyond assigned authority are referred to higher management for approval.
Management of Risk
Ensure compliance, operational risk controls in accordance with HSBC or regulatory standards and policies; and optimize relations with regulators by addressing any issues.
Promote an environment that supports diversity and reflects the HSBC brand.
Observation of Internal Controls
Maintains HSBC internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators.

Desired profile

Minimum of one year's proven mortgage processing experience or equivalent.
Proven communications, analytical and organization skills.
Ability to handle multiple responsibilities within established time frames.