The Home Loan Processor is responsible for reviewing and verifying mortgage loan documentation related to residential first and second mortgages. The Home Loan Processor must apply knowledge of Fannie Mae and Delta Community Credit Union underwriting guidelines and federal and state mortgage compliance regulations in the accurate and timely processing of each mortgage loan file. They must efficiently prioritize tasks and effectively communicate with other Residential Lending team members, third party vendors, and all borrowers is an integral part of this position. This role is subject to SAFE Act Requirements (NMLS). Practices safety-conscious behaviors in all operational processes and procedures. Essential Functions: • Review and verify all documentation in mortgage loan file including information related to calculation of income, assets, liabilities and the credit report of each borrower. • Initiate and follow up on requests for required documentation such as appraisals, title reports, flood certificates, homeowner’s insurance, verification of employment, tax transcripts, fraud checks, mortgage insurance certificates and other applicable documentation. • Ensure mortgage loan files meet underwriting submission guidelines for Fannie Mae, Delta Community Credit Union, or various industry investors. • Submits mortgage loan files for underwriting approval using Fannie Mae Desktop Underwriter or manual underwriting methods. • Responsible for maintaining current policies, guidelines, and compliance related to federal and state mortgage regulations, mortgage insurers, investors, and Delta Community Credit Union. • Maintains ongoing lines of communication with internal team members, third party vendors, and borrowers by answering questions regarding loan qualifications, approval, or denial of each mortgage loan file. • Ensure specified closing timelines are met on each mortgage loan file. Other • This description reflects management’s assignment of essential functions; it does not prescribe or restrict the tasks that may be assigned. • This job description is subject to change at any time.