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 individual to join their team as a Central TRID Processor and Mortgage Loan Specialist. This position is crucial in serving the home-financing needs of the community by ensuring all TRID (Loan Estimate and Closing Disclosures) and ATR (Ability-to-Repay) requirements are met. The role focuses on building relationships, local decision-making, and providing personalized service that aligns with the bank's community banking values. This position requires on-site work.

Requirements

Must be at least 18 years of age.
High School Diploma or GED required.
2-3 years prior banking, loan assistant, or mortgage experience required.
Proficiency in Outlook, Word, Excel, typing, 10-key, and internet navigation required.
Commitment to demonstrate Core 5 values with customers and coworkers.
Ability to hold a valid driver's license with access to a vehicle that can be used for business travel purposes.
Maintain a valid driver’s license, reliable transportation, and punctual attendance.

Nice To Haves

Experience with TRID or ATR regulatory requirements preferred.
Upon hire, NMLS will be required.

Responsibilities

Assist 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.
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.
Order and track third-party services.
Coordinate with processors, underwriters, title companies, and closing agents to ensure timely workflow.
Prepare preliminary Closing Disclosures (CDs) and assist customers with closing requirements.
Coordinate 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.
Perform additional duties as assigned by management.