Mortgage Loan Processor-Closer

About the role

Great employees are essential to maintaining the confidence our customers place in us. FGB believes that our employees are our greatest asset as demonstrated in their professionalism and dedication. We encourage open communication and strive to cultivate an environment in which our employees will contribute new ideas and innovations that will help us excel.

Responsibilities

• Order all verifications and information needed to submit a complete file to underwriting (e.g., Verification of Employment, Verification of Rent/Mortgage).
• Collect all insurance and tax information and send for approval.
• Review income, assets, and credit report to ensure file meets policy requirements.
• Order and review appraisals to ensure policy requirements.
• Order and review title work from closing attorney to confirm clear title.
• Order and review Flood Determination.
• Ensure all information collected is accurate in Calyx Point.
• Prepare Adverse Action notices.
• Ensure all customer files are complete and in compliance with all applicable state and federal regulations.
• Underwrite files with total exposure.
• Maintain and track current pipeline for each loan officer.
• Adhere to BSA/AML policy and all other bank policies.
• Prepare and issue Closing Disclosure (CD) to borrower.
• Schedule loan closings.
• Review approval to determine conditions have been met prior to closing.
• Verify accuracy of documents such as abstract and insurance forms.
• Prepare and explain closing requirements to settlement agent as needed.
• Assemble documents and provide detailed instructions to title company and lending officer for closing.
• Assemble loan documents needed for post-closing.
• Work closely with compliance for HMDA purposes.
• Maintain a “Loan Closing” log to track loan funding and rescission as well as receipt of executed loan package and recorded documents.
• Process loan proceeds for closings via checks and/or wires.
• Responsible for loan funding of all portfolio and secondary market loans.
• Assist in clearing any closing/post-closing conditions.
• Provide support to other areas of the department and promote business for the bank by maintaining good customer relations and referring customers to the appropriate staff for new service.
• Maintain Log notating Lender Paid Items/Exceptions/Rate of Fee Deviations.
• Provide support with Loan Servicing for straightforward customer questions.
• Maintain NMLS certification.
• Other duties and responsibilities as may be assigned by supervisor.

Requirements

• 2 years of Mortgage Loan/TRID experience preferred.
• Experience in Laser Pro and Calyx is preferred.
• Ability to multitask in a fast-paced environment.
• Exceptional organizational skills.
• Ability to coordinate and prioritize workday effectively.
• Proficient in Microsoft Office Suite.
• Ability to learn new software systems quickly.
• Accuracy and ability to coordinate and prioritize workday efficiently.
• Must be a self-starter, conscientious, and comfortable with detail.
• Ability to exhibit professionalism in communication skills.
• Possess excellent typing skills.
• Must work well under pressure, meeting multiple and conflicting deadlines.

Benefits

• Medical, dental, vision, and basic life/AD&D insurance.
• Prescription drug benefits.
• Long-term disability and salary continuance (short-term disability).
• Paid holidays, paid vacation, and sick leave.
• Tuition reimbursement program.
• 401k retirement plan.
• Section 125 cafeteria plan.
• Opportunity to earn FGB stock grants.

Physical Demands and Work Environment

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions.

• Regularly required to talk and hear.
• Frequently required to use hands or fingers, handle, or feel objects, tools, or controls.
• Occasionally required to stand, walk, sit, reach with hands and arms, climb or balance, and stoop, kneel, crouch, or crawl.
• Must occasionally lift and/or move up to 25 pounds.
• Specific vision abilities required include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus.
• The noise level in the work environment is usually moderate.