Mortgage Loan Processor III

BankSouth Mortgage•Atlanta, GA

2d•Hybrid

About The Position

BankSouth Mortgage is seeking an experienced Mortgage Loan Processor III to join our team. The candidate has the option to work from our Atlanta area (Buckhead, Milton, Peachtree City or Woodstock), Athens or Greensboro office. Applicant may be eligible to work remotely from their home after completing a 30-day in-office period, provided performance meets expectations and the applicant resides within one hour of a BankSouth Mortgage office. As a key member of our mortgage operations team, the Processor III plays a critical role in ensuring a smooth and efficient loan process from application through closing. This position requires a high level of expertise, attention to detail, and the ability to manage complex loan files while maintaining exceptional service for both internal partners and customers. The ideal candidate is a proactive problem-solver who thrives in a fast-paced environment and is committed to accuracy, compliance, and continuous improvement.

Requirements

Exposed to and well versed in a wide variety of concepts, practices, lending programs and procedures of mortgage lending.
Ability to accurately apply established BankSouth Mortgage lending guidelines.
Time management skills to properly establish priorities and manage workload accurately and efficiently.
Exceptional communication skills
Self-motivated, capable of understanding and accomplishing personal and enterprise defined goals, such as required metrics that are identified by department leadership.
Teaching/mentoring subordinate processors including deficiency identification & skill enhancement.
Supervisory experience
High school diploma, degree preferred.
Three to five (3-5) years of progressively more responsible and comprehensive mortgage processing experience

Responsibilities

Collect documentation to complete preparation of mortgage loan file, including, but not limited to credit application, income verification, asset verification, appraisal, title, and fraud prevention report.
Verify all documentation received for accuracy and completeness as it compares to the application data and complete any blanks or make corrections where documentation verifies data that applies.
Submit loan file to the appropriate AUS system, review findings and address discrepancies, including any applicable AI system utilized as a form of underwriting.
Make all suggested corrections prior to submission to the underwriting team.
Independently process a variety of loan types and loan complexities, relying on prior knowledge of standard concepts of mortgage lending, Review the provided guidance on newer loan programs and/or investors to become well versed and expand your knowledge base.
Establish a working knowledge of all introduced technology platforms and exercise adoption in a timely manner.
Provide support and instruction to other processors in various levels of mortgage processing practice & standards.
Act as lead processor in all facets of the role and with all other departments.
Responsible for learning, understanding and practicing required fraud prevention practice, BSA and OFAC compliance requirements
Ensure that BankSouth Mortgage adheres to all applicable federal and state regulations
Maintain confidentiality of all customer files & associated information
Assist examiners and auditors by providing required documentation
Correct exceptions to issues found by examiners and auditors