FT Central TRID Processor & Mortgage Loan Specialist

About the role

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!

Responsibilities

• Aid 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.
• Coordinate with processors, underwriters, title companies, and closing agents to ensure timely workflow.
• Prepare preliminary Closing Disclosures (CDs) and assist customers with closing requirements.
• Care for 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.

Qualifications

• Must be at least 18 years of age.
• A 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.
• NMLS will be required upon hire.
• Proficiency in Outlook, Word, Excel, typing, 10-key, and internet navigation required.
• Commitment to demonstrate Core 5 values with customers and coworkers.

Skills

• Ability to maintain attention to detail and complete work projects accurately in a short amount of time, despite interruptions.
• Ability to interact with customers/coworkers in a calm and patient manner and maintain confidentiality and professionalism in all situations.
• Basic mathematical skills, including adding, subtracting, multiplying, and dividing numbers.
• The ability to read and interpret documents and draft routine written communications.