Mortgage Clerk Job Description Sample

Overview

Responsible for performing mortgage loan support services including assisting members with questions and completing basic accounting and clerical duties. Maintains departmental records and files and completes routine reports and records. Assists or refers members as necessary. May process payments and adjustments. May disburse PMI and MIP premiums. May quote and process payoffs. May prepare and record reconveyances and partial reconveyances. May set-up and complete new loan processes. May track and obtain proof of insurance as required on member loans. May pay property taxes on mortgage properties. May complete reporting requirements to secondary market investors.

Responsibilities
1.Assumes responsibility for effectively and efficiently performing mortgage loan support activities

a. Answers member questions regarding mortgage loans, payments, balances, and insurance requirements.

b. Processes payments from tellers including loan payoffs and adjustments.

c. Processes mail payments.

d. Completes investor reporting requirements. Records account data and disbursement of funds to investors. e. Set-up new loans.

f. Pay PMI and MIP Premiums

g. Receives hazard insurance declarations and premium bills. Sets up new files and disburses insurance premiums as scheduled. Corresponds with insurance agents.

h. Pay property taxes on mortgage properties.
2.Assumes responsibility for establishing and maintaining professional business relationships with members.

a. Resolves (or refers) requests and problems promptly and courteously.

b. Keep members properly informed of Credit Union policies and procedures.

c. Maintains confidentiality.

d. Maintains and conveys the Credit Union's professional reputation.
3.Assumes responsibility for establishing and maintaining effective coordination and communication with area personnel and with management.

a. Assists and supports area and all Credit Union personnel as needed.

b. Completes reports and records promptly and accurately.

c. Maintains departmental files.

d. Attend meetings as required.

e. Keeps management informed of area activities and of any significant problems.

Qualifications

Training/Education/Certification:

• High school graduate or equivalent.

Required Knowledge:

• Knowledge of mortgage loan servicing procedures and related laws and regulations.

• General understanding of mortgage loans and mortgage processes.

• General office skills.

• Basic understanding of accounting/bookeeping is preferred.

Experience Required:

• One to two years mortgage servicing experience with a full-service financial institution.

• Varied office experience.

Skills/Abilities:

• Excellent communication, telephone, and public relations skills.

• Accuracy and thoroughness in work.

• Ability to meet deadlines.

• Strong typing abilities.

• Excellent basic math skills.

• Well organized.

• Ability to work well in a team environment as well as independently.

• Professional appearance, dress, and attitude.

• Able to operate related computer applications and basic business equipment,

The Fidelity Bank Promise: To be the Number One Community Bank with the Best Customer Service in Town. Fidelity Bank is a full service bank with over 60 bank branches throughout metro Atlanta and Florida, in addition to Wealth Management, SBA, Commercial, Indirect Automobile Financing, Construction Lending, and Mortgage Offices throughout the Southeast.

Join Fidelity Bank's dynamic Tallahassee, FL Mortgage Team as a Mortgage Loan Originator to generate and close mortgage loans, develop referral sources with individual borrowers, Real Estate Brokers & Developers, Branches and other referral sources in an effort to proactively solicit business and generate leads for mortgage financing requirements to customers.

Our Expectations for our Mortgage Loan Originators:

• Maintain an active Fidelity Bank sponsored Nationwide Mortgage Licensing System and Registry (NMLS) number in compliance with the federal S.A.F.E Act requirements

• Generate and close mortgage loans, develop referral sources with individual borrowers, Real Estate Brokers & Developers, Branches and other referral sources in an effort to proactively solicit business and generate leads for mortgage financing requirements to customers

• Keep informed on all Fidelity Bank Mortgage Loan programs and adhere to all regulatory and compliance requirements

• Counsel customers on all available products the customer is eligible for to ensure the product chosen best fits the customer's financial needs

• Meet and exceed personal production goals set my Manager.

Disclaimer: This job summary should not be construed to imply that these requirements are the exclusive standards of the position. Employees will follow any other instructions and perform other related duties as may be required by their supervisor.

The Fidelity Bank Promise: To be the Number One Community Bank with the Best Customer Service in Town. Fidelity Bank is a full service bank with over 65 bank branches throughout metro Atlanta and Florida, in addition to Wealth Management, SBA, Commercial, Indirect Automobile Financing, Construction Lending, and Mortgage Offices throughout the Southeast.

Join Fidelity Bank's dynamic Raleigh, NC Mortgage Team as a Mortgage Loan Originator to generate and close mortgage loans, develop referral sources with individual borrowers, Real Estate Brokers & Developers, Branches and other referral sources in an effort to proactively solicit business and generate leads for mortgage financing requirements to customers.

Our Expectations for our Mortgage Loan Originators:

• Maintain an active Fidelity Bank sponsored Nationwide Mortgage Licensing System and Registry (NMLS) number in compliance with the federal S.A.F.E Act requirements

• Generate and close mortgage loans, develop referral sources with individual borrowers, Real Estate Brokers & Developers, Branches and other referral sources in an effort to proactively solicit business and generate leads for mortgage financing requirements to customers

• Keep informed on all Fidelity Bank Mortgage Loan programs and adhere to all regulatory and compliance requirements

• Counsel customers on all available products the customer is eligible for to ensure the product chosen best fits the customer's financial needs

• Meet and exceed personal production goals set my Manager.

Disclaimer: This job summary should not be construed to imply that these requirements are the exclusive standards of the position. Employees will follow any other instructions and perform other related duties as may be required by their supervisor.

The Fidelity Bank Promise: To be the Number One Community Bank with the Best Customer Service in Town. Fidelity Bank is a full service bank with over 60 bank branches throughout metro Atlanta and Florida, in addition to Wealth Management, SBA, Commercial, Indirect Automobile Financing, Construction Lending, and Mortgage Offices throughout the Southeast.

Join Fidelity Bank's dynamic Fayetteville, GA Mortgage Team as a Mortgage Loan Originator to generate and close mortgage loans, develop referral sources with individual borrowers, Real Estate Brokers & Developers, Branches and other referral sources in an effort to proactively solicit business and generate leads for mortgage financing requirements to customers.

Our Expectations for our Mortgage Loan Originators:

• Maintain an active Fidelity Bank sponsored Nationwide Mortgage Licensing System and Registry (NMLS) number in compliance with the federal S.A.F.E Act requirements

• Generate and close mortgage loans, develop referral sources with individual borrowers, Real Estate Brokers & Developers, Branches and other referral sources in an effort to proactively solicit business and generate leads for mortgage financing requirements to customers

• Keep informed on all Fidelity Bank Mortgage Loan programs and adhere to all regulatory and compliance requirements

• Counsel customers on all available products the customer is eligible for to ensure the product chosen best fits the customer's financial needs

• Meet and exceed personal production goals set my Manager.

Disclaimer: This job summary should not be construed to imply that these requirements are the exclusive standards of the position. Employees will follow any other instructions and perform other related duties as may be required by their supervisor.

The Fidelity Bank Promise: To be the Number One Community Bank with the Best Customer Service in Town. Fidelity Bank is a full service bank with over 60 bank branches throughout metro Atlanta and Florida, in addition to Wealth Management, SBA, Commercial, Indirect Automobile Financing, Construction Lending, and Mortgage Offices throughout the Southeast.

Join Fidelity Bank's dynamic Savannah, GA Mortgage Team as a Mortgage Loan Originator to generate and close mortgage loans, develop referral sources with individual borrowers, Real Estate Brokers & Developers, Branches and other referral sources in an effort to proactively solicit business and generate leads for mortgage financing requirements to customers.

Our Expectations for our Mortgage Loan Originators:

• Maintain an active Fidelity Bank sponsored Nationwide Mortgage Licensing System and Registry (NMLS) number in compliance with the federal S.A.F.E Act requirements

• Generate and close mortgage loans, develop referral sources with individual borrowers, Real Estate Brokers & Developers, Branches and other referral sources in an effort to proactively solicit business and generate leads for mortgage financing requirements to customers

• Keep informed on all Fidelity Bank Mortgage Loan programs and adhere to all regulatory and compliance requirements

• Counsel customers on all available products the customer is eligible for to ensure the product chosen best fits the customer's financial needs

• Meet and exceed personal production goals set my Manager.

Disclaimer: This job summary should not be construed to imply that these requirements are the exclusive standards of the position. Employees will follow any other instructions and perform other related duties as may be required by their supervisor.

The Fidelity Bank Promise: To be the Number One Community Bank with the Best Customer Service in Town. Fidelity Bank is a full service bank with over 60 bank branches throughout metro Atlanta and Florida, in addition to Wealth Management, SBA, Commercial, Indirect Automobile Financing, Construction Lending, and Mortgage Offices throughout the Southeast.

Join Fidelity Bank's dynamic Fairfax, VA Mortgage Team as a Mortgage Loan Originator to generate and close mortgage loans, develop referral sources with individual borrowers, Real Estate Brokers & Developers, Branches and other referral sources in an effort to proactively solicit business and generate leads for mortgage financing requirements to customers.

Our Expectations for our Mortgage Loan Originators:

• Maintain an active Fidelity Bank sponsored Nationwide Mortgage Licensing System and Registry (NMLS) number in compliance with the federal S.A.F.E Act requirements

• Generate and close mortgage loans, develop referral sources with individual borrowers, Real Estate Brokers & Developers, Branches and other referral sources in an effort to proactively solicit business and generate leads for mortgage financing requirements to customers

• Keep informed on all Fidelity Bank Mortgage Loan programs and adhere to all regulatory and compliance requirements

• Counsel customers on all available products the customer is eligible for to ensure the product chosen best fits the customer's financial needs

• Meet and exceed personal production goals set my Manager.

Disclaimer: This job summary should not be construed to imply that these requirements are the exclusive standards of the position. Employees will follow any other instructions and perform other related duties as may be required by their supervisor.

The Fidelity Bank Promise: To be the Number One Community Bank with the Best Customer Service in Town. Fidelity Bank is a full-service bank with over 60 bank branches located throughout metro Atlanta and Florida. Additionally, Fidelity Bank operates Wealth Management, SBA, Commercial, Indirect Automobile Financing, Construction Lending, and Mortgage offices throughout the Southeast. We are looking for "Lions" to join Fidelity's mission and "Roar" into action!

Join Fidelity Bank's dynamic Mortgage team as a Mortgage Sales Manager to assist the Branch Manager in managing the sales and closing efforts for Mortgage Loan Originators.

Our Expectations for our Mortgage Sales Manager:

• Maintain an active Fidelity Bank sponsored Nationwide Mortgage Licensing System and Registry (NMLS) number in compliance with the federal S.A.F.E Act requirements.

• Initiate and monitor all production efforts.

• Recruit and retain quality & experienced originators and support staff.

• Meet minimum production standards.

• Develop builder and realtor relationships.

• Work directly with the designated Mortgage Manager on continual expansion efforts.

• Maintain accurate pipeline reports for corresponding branch offices.

• Hold loan originators accountable for quality file submissions.

• Act as a liaison between branch manager and his/her assigned loan officers

• Direct and instruct sales and technical training along with branch manager.

• Serve as liaison between production and operations in all policy and procedures issues.

• Resolve and document customer complaints.

• Keep informed of the residential lending industry's trends and make recommendations to senior management accordingly.

• Attend industry related functions on a monthly basis.

• Step in as branch manager during their absence/vacation.

• Perform special projects as requested.

Disclaimer: This job summary should not be construed to imply that these requirements are the exclusive standards of the position. Employees will follow any other instructions and perform other related duties as may be required by their supervisor.

The Fidelity Bank Promise: To be the Number One Community Bank with the Best Customer Service in Town. Fidelity Bank is a full service bank with over 60 bank branches throughout metro Atlanta and Florida, in addition to Wealth Management, SBA, Commercial, Indirect Automobile Financing, Construction Lending, and Mortgage Offices throughout the Southeast.

Join Fidelity Bank's dynamic Sarasota, FL Mortgage Team as a Mortgage Loan Originator to generate and close mortgage loans, develop referral sources with individual borrowers, Real Estate Brokers & Developers, Branches and other referral sources in an effort to proactively solicit business and generate leads for mortgage financing requirements to customers.

Our Expectations for our Mortgage Loan Originators:

• Maintain an active Fidelity Bank sponsored Nationwide Mortgage Licensing System and Registry (NMLS) number in compliance with the federal S.A.F.E Act requirements

• Generate and close mortgage loans, develop referral sources with individual borrowers, Real Estate Brokers & Developers, Branches and other referral sources in an effort to proactively solicit business and generate leads for mortgage financing requirements to customers

• Keep informed on all Fidelity Bank Mortgage Loan programs and adhere to all regulatory and compliance requirements

• Counsel customers on all available products the customer is eligible for to ensure the product chosen best fits the customer's financial needs

• Meet and exceed personal production goals set my Manager.

Disclaimer: This job summary should not be construed to imply that these requirements are the exclusive standards of the position. Employees will follow any other instructions and perform other related duties as may be required by their supervisor.

The Fidelity Bank Promise: To be the Number One Community Bank with the Best Customer Service in Town. Fidelity Bank is a full service bank with over 60 bank branches throughout metro Atlanta and Florida, in addition to Wealth Management, SBA, Commercial, Indirect Automobile Financing, Construction Lending, and Mortgage Offices throughout the Southeast.

Join Fidelity Bank's dynamic Augusta, GA Mortgage Team as a Mortgage Loan Originator to generate and close mortgage loans, develop referral sources with individual borrowers, Real Estate Brokers & Developers, Branches and other referral sources in an effort to proactively solicit business and generate leads for mortgage financing requirements to customers.

Our Expectations for our Mortgage Loan Originator:

• Maintain an active Fidelity Bank sponsored Nationwide Mortgage Licensing System and Registry (NMLS) number in compliance with the federal S.A.F.E Act requirements

• Generate and close mortgage loans, develop referral sources with individual borrowers, Real Estate Brokers & Developers, Branches and other referral sources in an effort to proactively solicit business and generate leads for mortgage financing requirements to customers

• Keep informed on all Fidelity Bank Mortgage Loan programs and adhere to all regulatory and compliance requirements

• Counsel customers on all available products the customer is eligible for to ensure the product chosen best fits the customer's financial needs

• Meet and exceed personal production goals set my Manager.

Disclaimer: This job summary should not be construed to imply that these requirements are the exclusive standards of the position. Employees will follow any other instructions and perform other related duties as may be required by their supervisor.