TRID Processor & Mortgage Loan Specialist

FT Central TRID Processor & Mortgage Loan Specialist

Full-Time/Part-Time Full-Time

Location Searcy, Arkansas (Searcy Main)

SUMMARY
First Security Bank is looking for a friendly, energetic, and team-oriented individual to join us as a Central TRID Processor and Mortgage Loan Specialist! If this is you and you want to join a dynamic team that is passionate about serving our Arkansas community, then you should apply!

This position plays a key role in serving the home-financing needs of our community by ensuring all TRID (Loan Estimate and Closing Disclosures) and ATR (Ability-to-Repay) requirements are accomplished. The role emphasizes relationship building, local decision-making, and delivering personalized service that reflects the bank’s commitment to community banking values. This position requires on-site work.

QUALIFICATIONS | EDUCATION | EXPERIENCE | SKILLS
To perform this job successfully, an individual must be able to execute each essential duty satisfactorily. The items listed below are representative of the knowledge, skill, and/or abilities necessary for this position.

• Must be at least 18 years of age.
• High School Diploma or GED required.
• 2-3 years prior banking, loan assistant, or mortgage experience required.
• Experience with TRID or ATR regulatory requirements preferred.
• Upon hire, NMLS will be required.
• Proficiency in Outlook, Word, Excel, typing, 10-key, and internet navigation required.
• Commitment to demonstrate Core 5 values with customers and coworkers.

HOURS OF AVAILABILITY: Regularly Scheduled Hours / Week: 40 (+) hours | Monday - Friday 8:00am - 5:00pm|
* Extended working hours may be required.

• Assist customers with mortgage inquiries and provide expert guidance throughout the loan process from application to closing.
• Discuss loan terms, rates, conditions, and closing requirements in a clear and customer-friendly manner (NMLS license will be required).
• Promote bank products and services when appropriate.
• Collect and review borrower documentation, including income, credit, assets, and employment.
• Pull credit reports and analyze creditworthiness, debt-to-income ratios, and other financial information.
• Prepare pre-qualification and pre-approval determinations in accordance with bank and regulatory guidelines.
• Review real estate contracts and gather supporting documentation for TRID and ATR purposes.
• Prepare and maintain accurate, compliant loan files in accordance with bank regulations and internal policies.
• Prepare required underwriting materials.
• Order and track third-party services.
• Coordinate with processors, underwriters, title companies, and closing agents to ensure timely workflow.
• Prepare preliminary Closing Disclosures (CDs) and assist customers with closing requirements.
• Coordinate the closing, booking, and funding of loans in accordance with bank procedures.
• After closing, scan final loan documents.
• Ensure all loan applications are fully completed and compliant before submission.
• Ensure all activities adhere to banking regulations and internal compliance standards.
• Protect all customer information and bank operations through strict confidentiality.
• Operate computer software and equipment, telephone, scanner, and copier, and develop proficiency with internal banking systems.
• Maintain a valid driver's license, reliable transportation, and punctual attendance. This position requires occasional extended hours to meet customer needs for business travel purposes, using a personal vehicle.
• Perform additional duties as assigned by management.

SUPERVISORY RESPONSIBILITIES: None

SOFT SKILLS
Foster a culture that values high ethical conduct, critical thinking, problem-solving, engagement, teamwork, and provides exceptional service. Establish positive and productive…