Careers

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Mortgage Loan Processor

Essential Functions:

  • Review initial loan approval
  • Work with the borrower to gather financial information such as credit reports, verify the accuracy to determine creditworthiness and completes mortgage loan application
  • Order property and loan documentation such as appraisals, inspections, title searches, site surveys, contracts, and property tax records to help process the mortgage loan files
  • Correct mistakes and investigate inconsistencies with loan documentation
  • Act as a liaison between borrower, loan officer and underwriter
  • Ensure loan files meets lending and regulatory guidelines and policies
  • Prepare and submit detailed loan packages to the underwriter for approval
  • Maintain detailed documentation of the process from origination to closing
  • Conduct a final review of the loan file before closing

Minimum Required:

  • High School Diploma or GED equivalent required
  • Associate’s degree in accounting, finance or business is preferred
  • Minimum of 2+ years loan processing experience required
  • Experience in mortgage lending and knowledge of loan types, such as Conventional, FHA, VA, VHDA
  • Awareness of FNMA/FHLMC, FHA, VA and VHDA underwriting guidelines
  • Proficient in mortgage loan computer software
  • Outstanding oral and written communication and customer service skills
  • Strong analytical and time management skills and superior attention to detail
  • Well organized and able to handle pressure
  • Demonstrate good credit worthiness
  • Maintain confidentiality

Dragas Mortgage Company is an Equal Opportunities, Protected Veterans, and Individuals with Disabilities employer.

Mortgage Loan Officer

Essential Functions:

  • Provides service to applicants and prospective customers seeking a home loan, including interviewing, pre-qualification, and pre-approval
  • Completes application and gathers supporting documentation
  • Reviews and completes regulatory disclosures with customer
  • Quotes and locks in mortgage loans with our investor contacts
  • Maintains existing and generates new sources of referral business
  • Sets up loans in our Loan Origination Software (LOS)
  • Utilizes automated underwriting systems (AUS) to obtain credit recommendations
  • Communicates with customers regarding the status of the loan and relays information to all interested parties.
  • Communicates with all parties in a professional and courteous manner Manages his/her pipeline of loans to verify accuracy of the current loan status
  • Understands and abides by Dragas Mortgage Policies and Procedures
  • Engage in local area events and community activities/organizations to develop new business and grow awareness of employer in the mortgage loan market
  • Stays abreast of current changes in the mortgage loan industry
  • Abide by all applicable federal laws, rules and regulations relating to Anti-Money Laundering (AML) and the Bank Secrecy Act (BSA)

Minimum Required:

  • High School Diploma or equivalent
  • Must have a valid NMLS Registry # National and Virginia State License is required or able to obtain within 90 days of hire date
  • Minimum of 3 years’ experience originating VA, FHA, Conventional and VHDA loans
  • Proven track record of originating and closing first mortgage loans
  • Currently possess sources of referral business for purchase transactions & refinance transactions
  • Awareness of FNMA/FHLMC, FHA, VA and VHDA underwriting guidelines
  • Maintain confidentiality Excellent oral and written communication skills

Dragas Mortgage Company is an Equal Opportunities, Protected Veterans, and Individuals with Disabilities employer.

Senior Mortgage Loan Underwriter

Essential Functions:

  • Authorize and underwrite loans
  • Review and verify loan applications and supporting documentation for accuracy
  • Review and specify loan conditions as necessary
  • Analyze loan risk and request additional information as necessary
  • Prepare reports detailing risk assessments findings and other data that contribute to lending decisions
  • Make loan eligibility decisions and approve or reject applications
  • Ensure compliance with all regulatory standards
  • Ensure compliance with company policies and guidelines
  • Document and effectively communicate reasons for approval/rejection of loan applications

Minimum Required:

  • High School Diploma or GED equivalent required
  • College degree in business, banking, finance, or related field is preferred
  • Minimum of 3+ years underwriting mortgage loans experience required
  • CMU and/or CRU certification is preferred
  • Full knowledge of FNMA/FHLMC, FHA, VA and VHDA underwriting guidelines
  • Experience in mortgage lending and knowledge of loan types, such as Conventional, FHA, VA, VHDA
  • Good working knowledge of mortgage loan processing and relevant regulations
  • Proficient in mortgage loan computer software and automated underwriting systems
  • Outstanding oral and written communication
  • Strong analytical and time management skills and superior attention to detail
  • Well organized and able to handle pressure
  • Demonstrate good credit worthiness
  • Maintain confidentiality

Dragas Mortgage Company is an Equal Opportunities, Protected Veterans, and Individuals with Disabilities employer.

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