Mortgage Loan Officer Assistant

North State Bank • Wilmington, NC

6d • Onsite

About The Position

A strong, independent community bank, North State has served customers for over 25 years and counting. Headquartered in Raleigh, North Carolina, with offices in Wake and New Hanover counties, the Bank was built on and practices the core values of integrity, hard work, fairness, teamwork, and consistency. We believe it’s our calling to add value to the lives of those we serve and to do so with a spirit of friendship. We are a full-service bank with focused divisions for mortgage, government lending, and the community association management industry.

North State Bank has an exciting opportunity for a Mortgage Loan Officer Assistant located in our Wilmington office.
This position works with the Mortgage Loan Officer to provide support for generating sound and profitable mortgage loans.

Requirements

• An associate degree in business or a related field; or an equivalent combination of education and experience.
• 2 or more years of mortgage loan experience
• Possess and maintain eligibility for NMLS registration.
• Possess a working knowledge of applicable banking and mortgage laws and regulations.
• Excellent written and verbal communication skills.
• Proficiency with Microsoft Excel and Word and underwriting systems, such as DU and LP.

Responsibilities

• Obtain all necessary information from customers for verifications and underwriting, such as financial data, tax returns, credit reports, homeowner’s insurance and attorney information, etc. Uploads to loan origination system.
• Answer phones, gather contact information and direct customers to the online application.
• Manage call volume and walk-in traffic, working closely with the Loan Officer’s schedule to provide prompt response time.
• Review, analyze and report status of the loan pipeline to the loan officer on a regular basis, ensuring that closing deadlines are met.
• Issue pre-qualification letters at loan officer’s request.
• Collect appropriate fees from customers.
• Order appraisals, pull credit reports, run AUS and lock loans.
• Upload all loan applications and download into loan origination system.
• Send all loan disclosures within the required timeframes
• Ensure that all loan packages are complete and accurate prior to submission to the processor.
• Follow up and obtain underwriting conditions and advise loan officer of any issues ASAP that could affect loan approval.
• Follow up with clients for needed documentation to ensure credit decision is made within regulatory timelines. If not possible, alert compliance to send notice of incomplete application. Also sends all requests for withdrawals and any loans recommended for denial to compliance
• Provides suggestions to customers on actions that may improve their credit worthiness, if needed after loan officer review.
• Assists in resolving post-closing deficiencies.
• Meets Mortgage Division customer service, performance, compliance and regulatory standards and expectations.

Benefits

• North State Bank provides competitive compensation and excellent, flexible benefits program.
• With North State Bank benefits, you have the flexibility to choose what's right for you and your family.
• We hope you will see it comes down to one simple:North State Bank is a great place to work!

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: Associate degree