Job DetailsLevelExperiencedJob LocationGwinnett - Duluth, GAPosition TypeFull TimeEducation LevelHigh School Diploma or GEDJob ShiftDayJob CategoryFinanceDescriptionWelcome to BankSouth Mortgage!Accelerate Your Career with UsImagine a workplace where you're valued, your work has purpose, and you get to help people achieve the American dream! At BankSouth Mortgage, we're more than just mortgages; we're a family committed to excellence, integrity, and community.Dive into a World of OpportunitiesWith us, you're not just starting a job; you're stepping into a career full of possibilities! We're backed by BankSouth, a top-performing community bank, and together, we're making homeownership dreams come true for thousands every year.Experience Our Unique Culture
- Leadership That Inspires: Work with creators, dreamers, and doers who lead with passion and responsibility!
- Power in Commitment: Be part of a team that puts relationships, community, and integrity at its core!
- Innovative Approach: Enjoy the blend of state-of-the-art technology and extraordinary in-person service!
Elevate Your Life with Our Benefits!
- Comprehensive Health Packages
- 401k Matching
- Life & Disability Insurance
- Employee Assistance Programs
- FSA & DCA support
- And Much More!
Join Us & Shape the FutureWhether you are looking for an exciting career path or a place where your work makes a difference, BankSouth Mortgage is the place for you! You bring your skills and passion; we provide the tools and environment for you to thrive.Your Role Here MattersEvery role at BankSouth Mortgage is crucial. Your contribution will not only help families secure their homes but also enrich the communities we serve. Come, be a part of something bigger, and experience mortgage excellence with us!BankSouth Mortgage: Where Dreams Meet ExcellenceExplore opportunities with us and step into a world where your work is valued, your growth is nurtured, and your success is celebrated! Let's build something great together! We are seeking an experienced bilingual (English/Spanish) Mortgage Loan Officer Assistant/Processor III Hybrid to join our team. The candidate will work a hybrid schedule.Essential Functions
- Assist with preparation and set-up of loan documentation packages.
- Verify initial disclosures for compliance; resends any missing or unsigned disclosures.
- Verify all documentation is present in each package according to investor guidelines.
- Locate and obtain missing documentation required for loan package (i.e. appraisals, credit reports, VOE/VOM/VOD, etc.)
- Follow up on requests for documentation to ensure timely receipt.
- Establish relationship with the borrowers and set expectation of the process from application to closing.
- Answer general questions/inquiries from loan applicants.
- Consistently maintain our reputation for excellent products and superior customer satisfaction
- Assist Loan Officer with various business development tasks; including, but not limited to, marketing functions (printing of flyers/ordering supplies), maintaining a social media presence, assisting with event support and other actions as needed to drive production.
- Engaging with client and agents through various communication sources made available by the enterprise.
- Delivery of loan documents/closing gifts etc. to clients by the sources made available by the enterprise.
- Request and collect documentation to compete 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 such as Candor. 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.
- 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.
Compliance
- Responsible for learning, understanding, and practicing required fraud prevention practice, BSA and OFAC compliance requirements.
- Responsible for learning, understanding, and practicing required Federal guidelines as it applies to disclosures including but not limited to a complete working knowledge of RESPA and TRID.
- 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.
- Complete all required online courses assigned throughout the year by the required due dates as dictated by the training department that assigns the courses.
Qualifications
- Position requires attention to detail and the ability to engage with all parties to the transaction.
- Must work efficiently and accurately under pressure.
- Excellent communication and customer service skills enabling you to successfully contact clients and other interested parties to the transaction to obtain missing information, documentation, answer questions and respond to concerns.
- Ability to follow through and accomplish tasks with limited supervision.
- Ability to multitask and prioritize workload.
- Commitment to staying informed regarding new products and guideline changes.
- Team-player mindset with high level of dedication to the process, the team, and the enterprise.
- Computer proficiency including, but not limited to desktop underwriting, word processing, data entry, spreadsheet, database software and general investigative tools.
- Familiar with 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.
- 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 required; degree preferred.
- Three to five (3-5) years of progressively more responsible and comprehensive mortgage processing experience
- Fluency in both English and Spanish, written and spoken is required.
This job description is not intended to be all-inclusive, and employees will also perform other reasonable related business duties as assigned by immediate supervisor and other management as required.This organization reserves the right to revise or change job duties as the need arises. This job description does not constitute a written or implied contract of employment.Please note, we are not working with outside recruiters for this position.BankSouth Mortgage is an Equal Employment Opportunity (EEO) Employer committed to diversity in the workplace. It does not discriminate against any qualified employee or applicant on the basis of age, race, color, sex, religion, national origin, disability, protected veteran status, genetic data, gender identity, sexual orientation or other legally protected status.IndeedSimple