Mortgage Loan Processor

2 weeks ago

Lexington, SC, United States First Community Full time

Position Summary

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, diagram, or schedule form.

* Proficiency in using personal computers and office
products (e.g., Word, Excel).

* Excellent customer service and interpersonal skills.

* Ability to work independently.

* Ability to properly package a loan.

* Self-starter who is goal- and results-oriented.

* Ability to work with direction from supervisor.

* Ability to effectively multi-task in a close working
environment.

FIRST COMMUNITY BANK (SC) is an EEO Employer - M/F/Disability/Protected Veteran Status

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