Mortgage Loan Processor - Augusta, GA - Pinnacle Bank : Job Details

JOB DESCRIPTION

Employer Department

Pinnacle Bank Mortgage

Job title Exemption status

Mortgage Loan Processor Non-Exempt

Job Summary

The Mortgage Loan Processor is responsible for processing loan application packages according to compliance guidelines and regulations, submitting files to underwriting, clearing issues and coordinating closings. In addition, responsible for managing relationships with appraisal vendor management companies, insurance agents, attorneys and other related third parties to ensure the most efficient closing for the borrower. A processor II should both be proficient in processing Conventional, FHA, VA and USDA loans, purchases as well as refinances. A processor III should be able to manage a pipeline up to 45 loans.

The employee will support the bank's strategic goals, vision, mission, core values, service standards and service philosophy in actions, words and deeds.

Skills, Knowledge, Talents

Education

High School diploma

Prior Experience

Prior banking and loan experience needed; 5-8 years mortgage loan processing experience required.

Required Skills & Talents

Core Value:

~ Operate with an Innovative Edge

~ Show Leadership

Must have a basic knowledge of the bank's products and services.

Must have a willingness to serve.

Must be able to function efficiently in a network environment and have a working knowledge of Microsoft Office and SharePoint.

Must be able to function efficiently on a general business level of math, possess general accounting knowledge (i.e. debits, credits, and an understanding of the bank's account reconciliations).

Project a professional image by adhering to guidelines in the employee handbook.

Must be able to collect, research, and analyze information skillfully.

Must be a self-starter, a creative thinker, flexible, eager, nurturing, open to change and exhibit good judgment.

Must be a leader by example, attentive to detail, work well with others and responsive to supervisory guidance.

Must be able to identify and interpret trends in financial data.

Must have a working knowledge of compliance guidelines for the bank and the industry.

Banking and Finance skills, knowledge and talents;

Must know loan documentation necessary for position responsibilities.

Must be able to read credit reports and other tools necessary to accomplish position responsibilities

Must have knowledge of the following lending regulations:

Fair Debt Collections Act

Regulation B: Equal Credit Opportunity Act

Regulation C: Home Mortgage Disclosure

Regulation Z: Truth in Lending

HMDA

RESPA: Real Estate Settlement Procedures

Bank Secrecy

Must have a working knowledge of compliance guidelines for the bank and the industry

Broad, general knowledge of investment and insurance products

Must understand loan and commitment letters.

Must understand the appropriate loan documentation as related to all loan purpose types:

FHA

State Housing

Other as required to meet departmental needs

Must be proficient in processing Conventional, FHA, VA and USDA loans, purchases as well as refinances.

Must have knowledge and experience with Mortgage Software.

Pinnacle Bank is an Equal Opportunity Employer and a Drug Free Workplace. As a condition of employment, a completed Application of Employment and satisfactory results from a background check and drug screening must be received. Pinnacle supports a diverse work force and welcomes all qualified applicants. It is the policy of Pinnacle Bank to consider applicants without regard to race, color, religion, creed, national origin, gender, disability, marital or veteran status, age or any other legally protected status.