Mortgage Loan Processor

Benefits

• Medical, Prescription Drugs, Dental, and Vision Insurance
• Insurance Eligibility for Team Members and Dependents Starting on the First Day of Employment
• 401(k) with a Match
• Basic, Voluntary, and Dependent Life Insurance
• Paid Time Off
• Paid Bank Holidays
• Workplace Wellness Programs
• Employee Assistance Programs
• Tuition Reimbursement

Mortgage Loan Processor

Non-Exempt

Mortgage Operations Manager

University Center

Responsible for processing mortgage loans requests for submission to underwriting. Assists assigned loan officers in handling customer requests in a professional manner. This position is a “loan originator” as defined by Regulation Z (12 CFR 1026.36(a)) due to customer disclosure duties. Loan originators are required to satisfy and maintain qualification requirements as outlined in 12 CFR 1026.36(f) and documented in Southside policies and procedures.

• Obtains supporting documentation for credit evaluation and subsequent processing including but not limited to proof of income/assets, credit bureau reports, appraisal, and title work. Scrubs documentation thoroughly for accuracy.
• Enters customer mortgage application information in the loan processing software system. Reviews the application to make sure it is completed in full. If not, requests that the Loan Officer complete the application.
• Orders all third-party services required for the processing of a loan, including but not limited to:
  Title, appraisal, insurance, survey, flood, credit and verifications (such as employment, rent, etc.)
• Answers phones/questions from customers and internal staff on loan products offered, loan status, and processes/procedures, both in person and over the phone.
• Reviews loan packages for completeness and accuracy before forwarding to underwriting or assigned officer for approval.
• Communicates on a frequent basis with mortgage related vendors to ensure proper credit evaluation, interest rate lock, and processing of mortgage loan files.
• Works with other department personnel to clear underwriting conditions in a timely manner and submit file to Closing.
• Prepares and mails correspondence to customers and staff as needed and requested by authorized persons.
• Attends product, policy, and procedure training meetings as requested.
• Possesses knowledge of state and federal mortgage lending regulations and their effect upon mortgage lending activities.
• Continues professional development through training, seminars, membership in professional associations, as applicable.
• Maintains confidentiality of all sensitive Bank information.
• Maintains a positive and caring atmosphere for customers and employees consistent with Southside Bank’s mission, CORE Values, and Blue Book culture guide.
• Provides enthusiastic, professional, and courteous service to Southside Bank customers and employees.
• Participates in proactive team efforts to achieve departmental and company goals.
• Understands and agrees to abide by the policies and procedures established at Southside Bank.
• Responsible for complying with audit policies and procedures as they pertain to this position.
• Performs duties in compliance with applicable laws and regulations, including but not limited to the Bank Secrecy Act (BSA) and related anti-money laundering laws, and in accordance with the Bank’s Information Security Program.
• Must comply with all applicable laws and regulations.

• Complies with all safety policies, practices and procedures. Reports all unsafe activities to supervisor and/or Human Resources.
• Performs additional duties, as assigned or directed.

• Self‑motivated, dependable, analytical and a problem solver.
• Excellent oral and written communication skills.
• Ability to read and comprehend simple instructions, short correspondence and memos.
• Ability to write simple & advanced correspondence.
• Ability to effectively present information in one‑on‑one and small group situations to customers, clients, and other employees of the organization.
• Ability to add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals.
• Ability to apply common sense…