Mortgage Loan Processor
Non-Exempt, Full Time
Mortgage Operations Manager
Summary of the Job: Responsible for processing mortgage loans requests for submission to underwriting. Assists assigned loan officers in handling customer requests in a professional manner.
This position is a "loan originator" as defined by Regulation Z (12 CFR 1026.36(a)) due to customer disclosure duties. Loan originators are required to satisfy and maintain qualification requirements as outlined in 12 CFR 1026.36(f) and documented in Southside policies and procedures.
Obtains supporting documentation for credit evaluation and subsequent processing including but not limited to proof of income/assets, credit bureau reports, appraisal, and title work. Scrubs documentation thoroughly for accuracy.
Enters customer mortgage application information in the loan processing software system. Reviews the application to make sure it is completed in full. If not, requests that the Loan Officer complete the application.
Orders all third party services required for the processing of a loan, including but not limited to: Title, appraisal, insurance, survey, flood, credit and verifications (such as employment, rent, etc.)
Answers phones/questions from customers and internal staff on loan products offered, loan status, and processes/procedures, both in person and over the phone.
Reviews loan packages for completeness and accuracy before forwarding to underwriting or assigned officer for approval.
Communicates on a frequent basis with mortgage related vendors to ensure proper credit evaluation, interest rate lock, and processing of mortgage loan files.
Works with other department personnel to clear underwriting conditions in a timely manner and submit file to Closing.
Prepares and mails correspondence to customers and staff as needed and requested by authorized persons.
Attends product, policy, and procedure training meetings as requested.
Possesses knowledge of state and federal mortgage lending regulations and their effect upon mortgage lending activities.
Understands and agrees to abide by the policies and procedures established at Southside Bank.
Must comply with all applicable laws and regulations.
Performs duties in compliance with applicable laws and regulations, including but not limited to the Bank Secrecy Act (BSA) and related anti-money laundering laws, and in accordance with the Bank's Information Security Program.
Maintains a positive and caring atmosphere for customers and employees consistent with the Southside Bank's mission and philosophy.
Provides enthusiastic, professional, and courteous service to Southside Bank customers and employees.
Maintains the security and confidentiality of pertinent information and records.
Continues professional development through training, seminars, membership in professional associations, as applicable.
Participates in special projects as assigned.
Performs additional duties as assigned or directed.
High School graduate, GED, or the equivalent required.
Minimum of three years recent direct mortgage loan processing experience is required.
Demonstrated history of handling a large pipeline.
FHA/VA loan processing experience required.
Self-motivated, dependable, analytical and a problem solver.
Excellent oral and written communication skills.
Proficient in typing, 10-key calculator and data entry.
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Sedentary physical activity performing non-strenuous daily activities of an administrative nature.
Manual dexterity sufficient to reach/handle items and work with fingers. Works with fingers and perceives attributes of objects and materials.
Ability to lift up to 10 pounds.
Physical Environment Demands:
Stand, sit and walk.
Use hands to finger, handle or feel.
Reach with hands and arms.
Climb or balance.
Stoop, kneel, crouch or crawl.
See, hear, speak, read and write.
Ability to concentrate
Well-lighted, heated and/or air-conditioned indoor office setting with adequate ventilation.
Moderate noise (e.g. business office with computers and printers, light traffic).
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or veteran status.
Southside Bancshares, Inc.