Responsible for performing a variety of duties to support the loan servicing function in order to ensure the efficient and accurate servicing of mortgage loan accounts. + Maintains all paper and electronic files by accurately processing all loan origination components and documentation; Disburses all online applications; Manages conditions and handles as appropriate. + Process payments for application and appraisal fees. + Prepare new loan documentation, including the Loan Estimate, received at origination to ensure accuracy and compliance; Identify origination errors for tracking; Distribute required disclosures to clients. + Gathers, analyzes, and verifies all documentation required to properly support the loan request; Compares verifications against original loan application for consistency and contacts clients to obtain additional information as needed. + Updates loan origination system as information is gathered and verified; prepares revised documentation as changes are made to the loan. + Analyzes credit reports and income, calculates ratios, and verifies assets to determine continuation or declination of application. + Addresses all inconsistencies with loan officer and client, if appropriate; Consults with proper sources to resolve questions. + Tracks files for follow-up on commitment, deadlines, conditions to be cleared, etc. + Develops and maintains relationships with appraisers and monitors turnaround time of appraisals; Orders appraisals; Reviews appraisals; Requests revisions as necessary and inputs into the loan origination system. + Prepares a variety of letters and other correspondence; Distributes required disclosures to clients. + Applies knowledge of portfolio and investor underwriting policies and procedures to ensure that consistent standards have been applied to all loans. + Ensures that all regulations have been adhered to prior to and during the processing and closing process. + Prepares appropriate documentation for investors and prepares rate sheets. + Prepares mortgage commitment letters incorporating the terms and conditions as determined by the underwriter; Forwards appropriate documents to the settlement agent and follows-up to ensure deadlines are met on commitment expirations, rate locks, and closing dates. + Reviews legal documents prior to closing as follows: Verifies that conditions to close have been met and confers with attorneys as necessary; Acts as intermediary for title problems, boundary line issues, or other legal issues that surface; Informs management of pending situations that may halt or stall closing. + When the file is clear to close, prepares preliminary Closing Disclosures and distributes to client; Notifies attorney that the loan is clear to close; Schedules loan closings and gathers appropriate paperwork from settlement agent to prepare all closing documentation; Prepares all closing documents and reviews for accuracy; Orders title work to be done. + Computes initial aggregate escrow. + Process all closing documents received from settlement agent after closing; Disburse fees; Conduct a post-closing loan review; Prepares post-closing documentation as required for secondary market investors. + Oversees the disbursements of loan proceeds; prepares loan data for accurate upload to the core. + Requests appraisal inspections and title updates on construction loans; Receives invoices for work completed or materials purchased and issues checks or transfers mortgage funds for construction mortgages or home improvements for which funds are held in escrow; Prepares construction loan to go final. + Assists in making decisions on problem contracts and with other personnel with problems that arise as warranted. + Maintains activity logs and compiles information as directed to generate and prepare monthly reports; Provides monthly data to outside originators. + Conforms to General Performance Expectations as identified for all employees Qualifications/Requirements + Associates degree in business preferred, Specialized lending education and training preferred + Minimum of 5 years experience in related position with a minimum of 2 years in Mortgage processing normally required; Lending experience preferred + Proficient interpersonal skills in dealing with clients and all levels of management + Demonstrated proficiency in Microsoft Word and Excel Salary Range $17 to $26.50 Hourly Compensation offers are based on a wide range of factors including relevant skills, training, experience, education and, where applicable, licenses or certifications obtained. Market and organizational factors are also considered. Along with a competitive compensation program please visit the benefits section of our Careers page to view available benefits. Chemung Canal Trust Company/Capital Bank/Canal Bank fosters a diverse and inclusive culture where employees are able to succeed to their full potential. EEO/AA Including Veterans and Disabled.