Mortgage Loan Assistant

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 regionof 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.

Position Summary

Responsible for assisting a high producing mortgage lender in managing their pipeline of routine residential mortgage loans. Assists the mortgage lender by “taking over” a mortgage loan application and managing it through its decisioning process. The ultimate objective is for an MLA to free up a high producer(s) so that they can prospect for and generate additional business by way of inviting additional mortgage loan applications.

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

• Demonstrated knowledge and understanding of how popular residential mortgage loans like Conventional Conforming, FHA, VA, USDA and construction loans are applied for, processed, underwritten and closed.
• Interfacing with a mortgage client soon after an application is filed to begin collecting the documents necessary to complete the loan file to be submitted to a processor.
• Follow up on leads generated by their Mortgage Lender to convert it into a loan application.
• When required, step in to assist the processor and the mortgage client to clear critical conditions placed on a loan application so that a decision is rendered on time.
• Prepare and provide a pre-qualification letter to a requesting mortgage client. Follow up and keep close contact with these clients with an ultimate objective to convert them into a formal mortgage loan application.
• Offer loan restructuring alternatives to mortgage applicants when applicable.
• Coordinate the closing date on each loan with a clear expectation of meeting it. Apprise the mortgage client, the mortgage lender, realtor(s) and any other party as applicable if the closing date requires revision.
• Assume ownership of customer problems to achieve resolution.
• Serve as an additional contact in responding to mortgage lenders customer inquiries relative to mortgage loan products, rates, procedures, etc.
• Manage the mortgage lenders pipeline to determine files are dispositioned in a proper and timely manner.

Qualifications

• 3 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.
• Proficiency in using personal computers and office products (e.g., Word,…