Senior Mortgage Loan Processor

The Mortgage Loan Processor is responsible for obtaining and preparing loan documents, credit documents, appraisals, etc. to complete loan files. This position maintains and updates records and files for processing of each mortgage loan, verifies files for accuracy and completeness and performs data entries. The Mortgage Loan Processor works closely with Mortgage Loan Officers and Underwriters to ensure guidelines, compliance laws and regulations are met and timely closing of the loan.

STATEMENT OF EXPECTATIONS Chickasaw Community Bank (CCB) expects all employees to comply with the responsibilities of their assigned position to the highest degree of performance. Expectations include but are not limited to:

Adhere to the bank’s policies and support management decisions and goals in a positive, professional manner

Represent CCB with a high level of integrity and professionalism

Maintain knowledge and understanding of banking rules, regulations, laws, and all policies and procedures

Knowledge of applicable bank software, programs, and procedures

Demonstrate a willingness to adapt to changing business needs and deadlines

Possess a work ethic that includes neatness and punctuality

Exhibit a professional, business-like appearance, and demeanor

Answer all voicemails and emails within 24 hours of receipt

Confer with management concerning questions, procedures, necessary information, forms completion, and problem resolutions

Complete and attend all required CCB training

Maintain satisfactory attendance

Review new files within 48 hours

Close all loans on or before expected closing date

Keep accurate and updated notes on every loan file in our Loan Origination System ESSENTIAL FUNCTIONS Manage assigned Pipeline daily in LOS to ensure dates ECD (Expected Closing Dates) are correct and updated.

Monitor receipt of appraisals, credit reports, preliminary title information, case numbers and other loan documentation needed for underwriting submission for the processing of the file Maintain contact will all parties including customers, loan officers and real estate agents

Review each loan file to verify accuracy of 1003 ensuring accuracy and completeness before submission to underwriting

Gather all documentation needed from the customer, verifying accuracy and completeness prior to submission to underwriting

Pre-underwrite all loans to ensure proper supporting documentation before submission to underwriting

Confer with borrowers concerning questions, procedures, necessary information, etc.

Collect, submit, and clear all underwriting conditions related to the processing process

Coordinate closing date and location between Loan Officer, Closing Department, customer and closing agent

Manage key data, including but not limited to lock expiration, contingency dates, contract dates, credit documentation expiration, ECOA, MDIA and other compliance related issues

Act as a trouble-shooter for problem loans, interacting between the Loan Officer, customer and Underwriter Maintain current knowledge of underwriting guidelines for various investors and internal software systems used ADDITIONAL RESPONSIBILITIES Perform other duties as assigned.

ENVIRONMENT AND INTERACTION Work areas are inside, in a climate-controlled environment, with moderate background noise. Position may involve occasional travel to branch locations. Position may involve exposure to potentially hazardous conditions (e.g., robbery).

Reports To:

Mortgage Loan Processing Manager PHYSICAL ACTIVITIES REQUIRED TO PERFORM ESSENTIAL FUNCTIONS Normal office environment.

This work is sedentary and requires the following physical activities:

Sitting for long periods of time; occasional bending, squatting, kneeling, stooping; good finger dexterity and feeling; frequent repetitive motions; talking, hearing, and visual acuity.

Frequent lifting (up to 10 pounds of paper supplies or minor office equipment).PROFICIENCIESGood written and oral communication skills; ability to communicate effectively and project a professional image when giving and taking information in writing, in person and over the phone

Superior customer service skills

Ability to multi-task and remain professional in a challenging…