Mortgage Processor II

Southstate Bank•Va, NC

8d•$48,647 - $77,710•Remote

About The Position

The SouthState story is one of steady growth, deep community roots, and an unwavering commitment to helping our customers move forward. Since our beginnings in the 1930s to becoming a trusted financial partner across the South and beyond - we are known for combining personal relationships with forward-thinking solutions. We are committed to helping our team members find their success while maintaining the integrity of our values: building trust, fostering lasting relationships and pursuing excellence. At SouthState, individual contributions are recognized, potential is cultivated and team members are inspired to achieve their greater purpose. Your future begins here! SUMMARY/OBJECTIVES Functions include managing a pipeline of loan applications, collection and review of mortgage related documents and driving the loan process from application thru closing. Ensures compliance with South State Bank Code of Business Conduct and Ethics and other operating procedures. Essential Functions Review and analyze application, supporting documentation, AUS Findings, and Investor program guidelines; calculate income; update LOS and AUS. Order third party services including, but not limited to, appraisal, tax transcripts, title work, flood determination, and insurance declaration page. Run and review Compliance and Fraud software following necessary procedures to correct any fails, exceptions and/or alerts. Request documentations from MLO and/or customer, keeping both up to date on the loan status. Submit complete and accurate file to underwriting, follow up and clear all conditions Submit complete and accurate file to private mortgage insurance company or investor, if applicable, follow up and clear all conditions Submit complete and accurate file to closing. Coordinate closings with all parties and manage pipeline to meet closing and lock expiration dates Ensure compliance with South Sate Bank Code of Business Conduct and Ethics and other operating policies and procedures. Complete compliance training, adhere to all anti-money laundering guidelines and procedures and all regulatory requirements. Mortgage Loan Processor II can process 3-5 mortgage loan types with moderately complex income and loan scenarios, including basic self-employed borrower income calculation. Processor reads and applies loan guidelines to similar loan scenarios Accepts and performs other duties as deemed to be essential Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Requirements

Education : Bachelor’s degree or equivalent work experience
Experience : 2 - 5 years in the mortgage industry; 1 – 3 years processing experience
Certifications/Specific Knowledge : Must be able to multi-task; good computer, organizational and customer service skills; knowledge of Loan Origination System and Automated Underwriting System input for loan types processed.
Accurate typing, spelling and grammar skills.
Must be able to work in a team environment.
Interpersonal Relationships – Maintains stable performance and emotional control when faced with opposition and pressure from others and/or stressful conditions.
Communication – Asks questions as necessary for clarification purposes; keeps others accurately informed; handles all communication in a timely manner; keeps communications confidential and on a need to know basi
Attention to Detail – Provides accurate and consistent paperwork, is thorough in accomplishing tasks, monitors and checks work or information
Collaboration – Develops cooperation and teamwork while participating in a group of people, working toward the same solutions to benefit all involved parties.
Time Management – Organizes time and resources efficiently; manages multiple tasks; meets deadlines consistently.
Customer Service – Provides excellent service to internal and external customers
Must be able to effectively access and interpret information on computer screens, documents, reports.
This position requires a large amount of time in front of a computer.
Telecommuting roles no matter if hybrid or 100% full time telecommuting must have a secure home office environment that is free from background noise and distractions.
They must also have a reliable private internet connection that is not supplied by use of cellular data (hot spot).
Cable or fiber connections are preferred.
Requirements are subject to change, as new systems and technology is delivered.

Responsibilities

Review and analyze application, supporting documentation, AUS Findings, and Investor program guidelines; calculate income; update LOS and AUS.
Order third party services including, but not limited to, appraisal, tax transcripts, title work, flood determination, and insurance declaration page.
Run and review Compliance and Fraud software following necessary procedures to correct any fails, exceptions and/or alerts.
Request documentations from MLO and/or customer, keeping both up to date on the loan status.
Submit complete and accurate file to underwriting, follow up and clear all conditions
Submit complete and accurate file to private mortgage insurance company or investor, if applicable, follow up and clear all conditions
Submit complete and accurate file to closing.
Coordinate closings with all parties and manage pipeline to meet closing and lock expiration dates
Ensure compliance with South Sate Bank Code of Business Conduct and Ethics and other operating policies and procedures.
Complete compliance training, adhere to all anti-money laundering guidelines and procedures and all regulatory requirements.
Mortgage Loan Processor II can process 3-5 mortgage loan types with moderately complex income and loan scenarios, including basic self-employed borrower income calculation.
Processor reads and applies loan guidelines to similar loan scenarios
Accepts and performs other duties as deemed to be essential
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.