Mortgage Processor III-2

South State Bank•Winter Haven, FL

8d•Remote

About The Position

It is the responsibility of the Mortgage Loan Processor III to take ownership of all tasks and challenges that they encounter in the operation of their assigned position. Functions include managing a pipeline of loan applications, collection and review of mortgage related documents and driving the loan process from application through closing. Maintains compliance with SouthState Bank Corporate Code of Conduct and Ethics, all anti-money laundering guidelines, regulatory requirements, and all other applicable operating procedures.

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

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 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