Mortgage Operations Specialist

Company Vision

Work where you’re part of a community. Security State Bank & Trust is a community bank, going strong since 1941. We get to know each other and our customers, always emphasizing serving over selling products. With 18 branches and counting, we offer opportunities for career-minded, entry-level applicants, as well as those with years of experience in the banking industry.

Work where you’re part of a community. Security State Bank & Trust is a community bank, going strong since 1941. We get to know each other and our customers, always emphasizing serving over selling products. With 18 branches and counting, we offer opportunities for career-minded, entry-level applicants, as well as those with years of experience in the banking industry.

The Mortgage Operations Specialist supports SSB&T's mortgage lending team by coordinating and administering operational activities throughout the mortgage loan lifecycle. Reporting to the AVP Mortgage Operations, this role works closely with Mortgage Loan Officers, Processors, Underwriters, Closers, and customers to ensure mortgage loans are processed accurately, efficiently, and in compliance with Bank policies and regulatory requirements.

The Mortgage Operations Specialist contributes to SSB&T's success by supporting timely loan closings, maintaining operational accuracy, enhancing the customer experience, and ensuring mortgage transactions are completed efficiently while meeting quality and compliance standards.

• Champion SSB&T’s Core Values:
  Model SSB&T’s core values, embedding them into data strategy, governance, and team culture.
• In addition to other duties as assigned from time to time in SSB&T's reasonable discretion, responsibilities include:
  • Mortgage Operations Processing & Loan Administration
    • Support the administration and processing of residential mortgage loans from application through closing, funding, post-closing, and delivery activities.
    • Assist with mortgage processing workflows to ensure loan files are accurate, complete, and progressing through established timelines.
    • Maintain loan pipeline records and monitor file status to support efficient loan production and service delivery.
    • Coordinate with lenders, processors, underwriters, title companies, closing agents, and other parties throughout the mortgage process.
    • Ensure operational tasks are completed accurately and in accordance with established procedures and service standards.
  • Documentation & File Review
    • Review mortgage loan documentation for accuracy, completeness, and compliance with Bank policies, investor requirements, and regulatory guidelines.
    • Assist with collecting, organizing, imaging, and maintaining loan documentation, disclosures, and supporting records.
    • Monitor documentation exceptions and coordinate follow-up activities to obtain missing information and resolve file deficiencies.
    • Ensure required documents are received, properly executed, and maintained within designated systems and loan files.
    • Maintain organized electronic and physical records to support operational efficiency and audit readiness.
  • Closing, Funding & Post-Closing Support
    • Assist with coordinating mortgage loan closings, funding activities, and post-closing processes.
    • Review closing packages and funding documentation to ensure accuracy and completeness prior to funding.
    • Support disbursement activities, funding requests, wire coordination, and settlement functions as assigned.
    • Assist with post-closing reviews, file completion, document tracking, and investor delivery requirements.
    • Research and resolve post-closing exceptions, documentation issues, and operational discrepancies.
  • Compliance, Quality Control & Risk Management
    • Ensure mortgage operations activities comply with applicable federal and state regulations, investor guidelines, Bank policies, and internal controls.
    • Maintain compliance with requirements including TRID, RESPA, HMDA, ECOA, Fair Lending, Flood Insurance, privacy regulations, and other applicable mortgage lending standards.
    • Perform quality control reviews of loan files, disclosures, and operational processes to ensure accuracy and regulatory compliance.
    • Iden…