Mortgage Loan Processor

Position Overview

The Mortgage Loan Processor is responsible for managing the end-to-end processes involved in administering and closing mortgage and real estate loans. This includes verifying the completeness and correctness of loan documentation, establishing new loan accounts, and maintaining accurate records and files related to mortgages. The role demands representing the Bank of Tennessee with professionalism and a positive demeanor at all times.

Key Responsibilities

• Efficiently handle the loan pipeline to ensure smooth and compliant progression throughout the mortgage process.
• Manage multiple mortgage loan files concurrently, gather and document customer information, and ensure timely loan processing.
• Stay informed on current agency guidelines, underwriting and processing procedures, as well as company policies.
• Collaborate effectively with the Production Sales Team to deliver exceptional service internally and externally.
• Obtain necessary documentation for property and loan files, including employment verifications, insurance evidence, payoffs, tax transcripts, credit supplements, condo questionnaires, subordination requests, and title documents to facilitate a seamless loan process.
• Work closely with underwriters to address and resolve loan conditions or queries.
• Follow up regularly with borrowers and vendors to secure required documents promptly.
• Adhere strictly to regulatory requirements and bank policies, including the Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) regulations.
• Consistently uphold and exemplify the organization's core values and standards.
• Perform additional duties as assigned by management that are reasonable and support organizational goals.

Qualifications and Skills

• Minimum educational requirement of a high school diploma or equivalent.
• At least two years of experience processing mortgage loans or similar related roles.
• Strong organizational abilities and advanced proficiency with Microsoft Excel, Word, and general Windows applications.
• Current knowledge of real estate laws and procedures.
• Excellent communication skills, both verbal and written.
• Customer service-focused with a capacity to maintain professionalism continuously.
• Ability to multitask effectively in a dynamic, fast-paced environment.
• Highly motivated and results-oriented with strong analytical and follow-up skills.
• Comfortable adapting to changing demands and work environment.

Physical and Other Requirements

• Must be able to communicate clearly and effectively through telephone and email.
• Capable of remaining seated and focused for prolonged periods.
• Competent in handling office equipment including computers, calculators, and copiers.
• Occasional travel may be required.