Mtg Loan Processor II

Metro City Bank•Doraville, GA

About The Position

The Mortgage Loan Processor II ensures timely and accurate packaging of originated loans, gathering information and taking each file from pre-approval to closing. The role maintains accurate client files and reviews credit throughout the application process. It also supports compliance with BSA/AML requirements and provides post-closing information to the servicing department. The position requires knowledge of loan-related policies, procedures, regulations, products, and operations, along with effective communication, customer service, teamwork, integrity, respect for confidential information, and ongoing professional development. The work is performed in an environment with a usually moderate noise level. Reasonable accommodations may be made for employees with disabilities to perform essential functions.

Requirements

Some college or an associate degree, preferably in Finance, or equivalent work experience.
Two to three years of work experience in a financial institution.
Software skills including Microsoft Office, Adobe, the Internet, and email.
Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals.
Ability to write routine reports and correspondence.
Ability to speak effectively before customers or employees of the organization.
Knowledge of BSA/AML regulations and requirements, including CIP, account risk assessment, customer due diligence, CTR, OFAC, cash purchases of monetary instruments, originating and beneficiary banks, TIN, NRA, HIDTA, HIFCA, and SAR.
Knowledge of placement, layering, and integration concepts.
Familiarity with reporting requirements for currency transactions, cash purchases of monetary instruments, wire transfers, and account openings.
Knowledge of regulations governing consumer laws pertaining to deposit or loan products.
Ability to maintain accuracy, handle confidential information, provide quality customer service, and work effectively with others.

Nice To Haves

Bilingual reading, writing, and speaking skills in English and Chinese, English and Vietnamese, or English and Korean.

Responsibilities

Input loan applications into the computer and order title, credit reports, and appraisals.
Submit loans to the underwriter and follow up on all conditions.
Record loan status, including approved, canceled, or denied.
Identify and resolve discrepancies in loan documents and communicate them to a supervisor.
Prepare disclosures and loan documents using MRG.
After closing, order tax service, prepare HMDA information, and send booking information to the servicing department.
Perform duties in compliance with BSA/AML regulations and requirements.
Obtain adequate CIP data for wire and money instrument transactions.
Monitor and report suspicious activity to the BSA Officer.
Provide courteous, clear, and professional communication to customers and coworkers.
Maintain accurate and confidential client information and accept responsibility for the quality of work.
Work cooperatively with teams and other areas of the Bank, seeking assistance or input when appropriate.
Prioritize customer needs and satisfaction.
Remain current on Bank communications, policies, procedures, compliance courses, products, services, and procedures.