FT Central TRID Processor & Mortgage Loan Specialist

First Security Bank•Searcy, AR

2d•Onsite

About The Position

First Security Bank is seeking a friendly, energetic, and team-oriented Central TRID Processor and Mortgage Loan Specialist to support home-financing needs in the Arkansas community. The position ensures that TRID (Loan Estimate and Closing Disclosure) and ATR (Ability-to-Repay) requirements are met while emphasizing relationship building, local decision-making, and personalized service. This is an on-site role. The specialist assists customers throughout the mortgage process, from application through closing, and prepares and maintains accurate, compliant loan files. The role involves collecting and reviewing borrower documentation, evaluating creditworthiness, preparing required loan materials and disclosures, coordinating with internal and external partners, and supporting loan closing, booking, and funding. The position has no supervisory responsibilities and may require extended hours and occasional business travel using a personal vehicle.

Requirements

Must be at least 18 years of age.
High school diploma or GED required.
Two to three years of prior banking, loan assistant, or mortgage experience required.
NMLS will be required upon hire.
Proficiency in Outlook, Word, Excel, typing, 10-key, and internet navigation required.
Commitment to demonstrate the bank's Core 5 values with customers and coworkers.
Ability to maintain attention to detail and complete accurate work promptly despite interruptions.
Ability to interact calmly and patiently with customers and coworkers and maintain confidentiality and professionalism.
Basic mathematical skills, including addition, subtraction, multiplication, and division.
Ability to read and interpret documents and draft routine written communications.
Valid driver's license and access to a vehicle for business travel.
Ability to meet the described physical demands, including repetitive hand and arm movements, extended computer and telephone use, occasional stooping, kneeling, or crouching, and occasional lifting and moving of up to 10 pounds.

Nice To Haves

Experience with TRID or ATR regulatory requirements preferred.

Responsibilities

Assist customers with mortgage inquiries and provide guidance throughout the loan process from application to closing.
Explain loan terms, rates, conditions, and closing requirements in a clear, customer-friendly manner.
Promote bank products and services when appropriate.
Collect and review borrower income, credit, asset, and employment documentation.
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 documentation for TRID and ATR purposes.
Prepare and maintain accurate, compliant loan files in accordance with regulations and internal policies.
Prepare required underwriting materials.
Order and track third-party services.
Coordinate with processors, underwriters, title companies, and closing agents to support timely workflow.
Prepare preliminary Closing Disclosures and assist customers with closing requirements.
Coordinate loan closing, booking, and funding in accordance with bank procedures.
Scan final loan documents after closing.
Ensure loan applications are complete and compliant before submission.
Follow banking regulations and internal compliance standards and protect customer and bank information through strict confidentiality.
Operate computer software and equipment, telephone, scanner, copier, and internal banking systems.
Maintain a valid driver's license, reliable transportation, and punctual attendance.
Travel occasionally for business using a personal vehicle and work extended hours when required to meet customer needs.
Perform additional duties as assigned by management.
Support ethical conduct, critical thinking, problem-solving, engagement, teamwork, exceptional service, and trust-building work relationships.