MORTGAGE LOAN PROCESSOR - MYRTLE BEACH -ON-SITE

Job DetailsJob Location: Towne Centre - Myrtle Beach, SC 29579Position Type: Full TimeEducation Level: High SchoolTravel Percentage: NoneJob Shift: DayJob Category: Banking  JOB SUMMARY Provides support to Mortgage Loan Officers and prepares the file for underwriting and closing.  The Processor will review the file for compliance with program guidelines, regulatory compliance and required documentation.  The Processor will order services, request documentation from borrowers, employers, depositories, etc., submit the file to underwriting, gather and clear conditions, and coordinate the closing with the borrower and settlement agent.  The Processor will communicate with the borrower, realtor/builder, insurance agency, attorney, employer and depository regarding routine matters associated with the mortgage process.  The Processor will not communicate with the borrowers concerning interest rates, fees, or qualification of the borrower for the loan product selected.     ESSENTIAL DUTIES AND RESPONSIBILITIES To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.       Able to process all Conventional, FHA, VA, USDA and Construction Permanent loans  Interacts with applicants to complete the application process and anticipate what conditions may be needed in underwriting status Works with all internal and external staff to ensure all necessary supporting loan documentation is obtained and accurate Ensures all loan conditions are met and can close within required time frames set by management Maintains and organizes current and required loan documents for all loan programs and investors as needed Independently processes complex mortgage loans (i.e. Self-Employed, Construction-Permanent, etc.) Orders credit reports, appraisals, title work, payoffs, Condo questionnaires and all condo documentation, 4506T’s, and validates social security numbers to SSA in addition to other submission tasks Submits loans to Desktop Originator, Desktop Underwriter, Loan Advisor, FHA Total and investor websites  Sets up CIF before loan closes for all Secondary Marketing loans Orders appraisals using the Bank’s rotation list and procedures for appraisal independence Submit XML version of appraisals to UCDP Able to multi-task and prioritize while meeting processing and closing deadlines  Uploads/ships closed loans to investor along with any additional documents necessary for the purchase of a loan in Staff Closer’s absence Complete/run DataVerify for compliance/underwriting and address any quality control alerts with applicant Complete Verbal Verification of Employment for each applicant prior to closing per underwriting guidelines Maintains and accesses all investor guidelines, laws, and regulations for processing tasks Responsible for training and providing guidance for entry-level mortgage staff Responsible for compliance within area of responsibility Able and willing to cross-train for other duties such as lock desk backup, GL’s, initial disclosures and booking loans  Performs all other related duties as necessary Qualifications    QUALIFICATIONS Required: High school diploma or equivalent Mortgage loan processing experience to include government and agency loans Ability to process a high volume of work   Preferred: Detail orientation, responsible and accurate Excellent communication and organizational skills Proficiency with keyboarding and PC including Microsoft Word, Excel, Outlook and Encompass as well as office equipment. Exemplary customer service skills, both verbal and written 4+ years of processing experience    AAP/EEO STATEMENT This statement of policy reaffirms South Atlantic Bank’s policy of equal employment opportunity in employment, compensation, training, transfers, promotions and all other aspect of employment regardless of race, color, religion, national origin, age, sex, veteran status, physical or mental handicap/disability and to state that we do carry out this policy at South Atlantic Bank.  This policy also applies to all company-sponsored activities such as educational programs, tuition aid and social and recreational activities.