Mortgage Loan Processor

Nurturing a joyous, collaborative work culture comes naturally when your mission is supporting those who make a community thrive. From Volunteer PTO days and group service opportunities to a workplace chaplain and regular employee appreciation events, a festive spirit permeates all the ways we work, play and serve.

Named one of South Carolina’s Best Places to Work

South Carolina Chamber of Commerce

The steady start‑up that began with a pair of offices in Forest Acres and Lexington has become a thriving organization with more than 250 employees and 21 banking offices across the Midlands, Upstate and Aiken areas of South Carolina and the Augusta region of Georgia. Much like the success of our clients, it only underscores our belief in a measured approach and steadfast commitments to long‑term growth.

Opportunities for advancement abound. The First Community Bank Leadership Institute offers a formal path for aspiring employees via an 18‑month program of academic and experiential learning. This, along with an emphasis on day‑to‑day mentorship and promotion potential across multiple business lines and geographic markets, makes for a particularly high‑achieving workforce.

That everyone matters. That, when it comes to growth, a strong work ethic is as valuable as a shrewd financial eye. That honesty and integrity are the cornerstones of smart business. That excellence is a standard to be achieved, not a goal to be aspired toward. And that a spirit of service is essential to all we do.

We offer attractive salary, insurance and retirement benefits packages.

First Community employees enjoy a generous paid time‑off plan and a cultural emphasis on holistic wellness.

First Community offices are, above all else, fun and friendly working environments.

Responsible for processing and coordinating mortgage loan closings. Examines and collects required documents and orders appraisals and title work. Submits loans to various investors for loan approvals. Works through various situations that arise during processing and/or closings to facilitate loan approvals and closings.

Essential Duties and Responsibilities (Other duties may be assigned.)

• Demonstrate knowledge of Bank mortgage loan products and services.
• Follow bank policies and procedures, security guidelines, and comply with all federal, state, and local regulations. Includes coordinating with legal counsel and bank operating departments to ensure adherence to laws and regulations relating to new and/or revised bank products and services.
• Demonstrate familiarity with underwriting guidelines with all of the Bank’s investors and programs.
• Support the Bank’s CRA Officer by reporting CRA data.
• Work with loan applicants and requests required information for determining a credit decision.
• Compile loan packages including ensuring pertinent documents are complete and accurate, and analyzing and reviewing applicant’s credit history. Also reviews appraisal reports for accuracy and investor requirements.
• Conduct credit review to ensure that granted loan approval is within Investor guidelines. Notifies originators of any problems or issues during the process of the loan. Keeps both the borrower and originator informed as the loan goes to different phases of processing and closing.
• Prepare closing package (does not include closing disclosures).
• Promote business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services using Bank‑endorsed techniques and processes.
• Assume ownership of customer problems to achieve resolution.
• Serve as secondary contact in responding to customer and non‑customer inquiries relative to mortgage loan products, rates, procedures, etc.

Qualifications

• Bachelor’s degree, or at least 5 years of related experience, or an equivalent combination of education and experience.
• Effective oral and written communication skills.
• Ability to compute basic to moderately complex math calculations.
• Basic problem‑solving and analytical skills. Ability to interpret a variety of instructions furnished in written, oral,…