Mortgage Processor III-2

SouthState Bank

8d•Remote

About The Position

The Mortgage Loan Processor III is responsible for managing a pipeline of loan applications, collecting and reviewing mortgage-related documents, and driving the loan process from application through closing. This role requires maintaining compliance with SouthState Bank Corporate Code of Conduct and Ethics, anti-money laundering guidelines, regulatory requirements, and all other applicable operating procedures. The position emphasizes taking ownership of all tasks and challenges encountered in the operation of the assigned role.

Requirements

Proficient in all mortgage loan products/loan types and highly complex income and loan scenarios (e.g., complex self-employed borrowers with multiple companies owned, income types, etc.)
Possesses basic computer knowledge and the ability to learn other software utilized within the department, as well as any new software programs implemented by the Bank; working knowledge of Microsoft Outlook, Word, and Excel.
Maintains a professional standard when working with customers and co-workers; maintains emotional control when faced with opposition and pressure from others and/or stressful conditions; have effective listening skills demonstrated by the ability to listen to others talk (without interruption), understand them, and then propose solutions or make contributions based on the points made by others.
Maintains a professional standard, including spelling and punctuation, when utilizing verbal or written (electronic) communication; asks questions when necessary for clarification purposes; keeps all parties accurately informed; communicates timely; maintains confidentiality where applicable.
Work product is thorough and accurate; is highly organized; maintains a high level of data integrity.
Works professionally with others; is cooperative and engaged when participating in group exercises; supports working toward common goals.
Able to keep up with and implement changes made at the direction of Leadership; can handle simultaneous tasks; able to adhere to specific timelines/deadlines.
Organizes time and resources efficiently; manages multiple tasks; meets deadlines consistently.
Provide a high level of service to internal and external customers.
Bachelor’s degree or equivalent work experience.
3 – 5 years in the residential mortgage lending industry.
3 – 5 years residential mortgage loan processing experience.
Required annual compliance training, New Employee Orientation.

Nice To Haves

Working knowledge of Encompass LOS preferred, but not required.

Responsibilities

Review and analyze loan application and all supporting documentation, including credit report, income documents, asset documents, property documentation, AUS findings and other documentation specific to the loan submission.
Perform income calculations and asset reconciliations.
Request documentation from Customer and/or Loan Officer as applicable to the loan submission.
Keep Customer and Loan Officer updated on document requests and loan status using verbal and written (electronic) communication practices.
Update LOS, AUS and any other applicable loan decisioning systems.
Maintain working knowledge of all applicable program guidelines, including any secondary investor guidelines specific to the loan submission.
Order third party services including, but not limited to, tax transcripts, title work, flood determination, appraisal, and insurance declarations information.
Run and review Compliance and Fraud engines; follow established procedures to address and/or clear findings, including updating loan data inside of LOS as applicable.
Submit a complete and accurate loan file to underwriting (internal, private mortgage insurance company or investor).
Obtain all required conditions as established by underwriting.
Request initial Closing Disclosure and submit a complete and accurate loan file to closing.
Coordinate closing date with Loan Officer, Customer and Closing Agent.
Manage pipeline to meet established SLA’s and critical loan dates (e.g.: contingency, closing and lock expiration).
Other duties as assigned by management that are deemed essential.