Mortgage Loan Processor

Join TBK Bank! At TBK Bank, a subsidiary of Triumph, we're a team of passionate, driven, collaborative, solutions-minded people who want to make a difference in the lives of our customers and communities. Our mission is to do well and to do good at the same time. We accomplish this by working together, because at the end of the day, TBK means striving for excellence, while delivering with humility. We thrive on providing exceptional customer service, and we look for friendly professionals dedicated to helping customers achieve their financial goals. Position Summary: Responsible for timely and accurate packaging and submission of all Mortgage loans. The objectives include ensuring the banks on-going adherence to consumer compliance regulations, performing duties relative to the banks mortgage loan portfolio, and performing procedures necessary to improve efficiency and accountability. Essential Duties & Responsibilities Compiles information and takes each file from application submission to loan approval, while assisting as needed for closing and loan purchase. Processes all mortgage loans in a timely, efficient and accurate manner, including accurate entry of loan application information in the MortgageBot and other software or online systems. Utilizes checklists to organize, request, and prepare all essential documentation for the mortgage loan file. Communicates directly with the customer to obtain the information and/or documentation necessary to make a loan decision. Orders flood certification. Notifies the customer and Loan Officer if the property flood zoning is questionable. Coordinates the ordering of mortgage appraisals from the Appraisal Department and assists with supplying any documentation needed to that department. Orders title commitments from designated title companies and reviews upon receipt. Ensures title commitment is supplied to appropriate loan officer. Orders tax transcripts and social security verification documents. Orders employment, deposit, mortgage, rent, and insurance verifications, as needed. Orders DataVerify report. Clears any flagged items. Orders proof of insurance. Submits file to underwriting upon receipt of income and assets such that an underwriting decision can be made. Prepares and sends files to investors on loans being processed as non-delegated or as a broker. Works with the MLO, borrower, and closer to provide updates, address any issues with loan files, and to assure a smooth transition to closing. Assists in clearing post-closing conditions from investors or auditors. Scans all loan documents into the ImageFLow section within MortgageBot. Reviews file documentation on a regular basis and ensures all items needed are requested. Inputs proper loan information into the system for processing, ensuring that all loan documentation is complete, accurate, verified and complies with company policy and /or loan program guidelines. Reviews the application and all disclosures for accuracy and compliance, analyzes and calculates income, debt, credit history and other factors, such as divorce decrees, child support orders, flood certificates, and any other necessary or pertinent documentation, ultimately preparing application for submittal to underwriting, either internal or external. Consults with the MLO on any pertinent changes prior to submission. Prepares and sends documentation to customers and other appropriate sources, contacts applicant and other parties to follow-up or discuss requests for information, problems or other matters related to loan document processing. Maintains regular communication with borrowers, realtors, settlement agents, insurance, secondary market representatives and contract underwriters regarding loan approvals; review conditions and follows up as needed with the borrower and other contacts. Keeps track and follow-up on documentation necessary to meet the pre-closing conditions and to close. Contact borrowers and meet with them as needed to collect documents, or any other paperwork needed, for approval. Uses the Notes section and processor screen in MortgageBot each time a file is accessed or handled to accurately note progress of file. Coordinates closing schedules with the Loan Closer. Use checklists to ensure all essential documentation will be available at the closing. Meets crucial deadlines. Understands and adheres to regulations and mandatory compliance guidelines and attends training as required. Assists underwriting by supplying documentation necessary to complete any loan denial. Maintains pipeline report and notifies management of status as needed. Answers phones and assists clients, co-workers, or loan officers as needed. Assists in researching and balancing general ledger items. Provides back-up coverage for closing and post-closing as needed. Understands and performs the requirements of the banks SAFE Act policy and procedures. Performs other job duties as required. Education & Experience High school diploma required; Associates degree preferred Two years mortgage banking experience with a working knowledge of lending and office clerical experience; or equivalent combination of education and experience. Skills & Abilities Required Detail oriented Ability to work independently with minimal supervision and as part of a team Ability to follow-up and follow-through Professional customer service Microsoft office skills Familiar with loan processing software Work Environment The work environment characteristics described here may be encountered while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Moderate noise (i.e. business office with computers, phone, and printers, light traffic). Ability to work in a confined area. Ability to sit at a computer terminal for an extended period of time. Occasional stooping or kneeling may be necessary. While performing the duties of this job, the employee is regularly required to stand, sit, talk, hear and use hands and fingers to operate a computer keyboard and telephone. Specific vision abilities are required by this job due to computer work. Light to moderate lifting is required. Regular, predictable attendance is required. Compensation Range Hourly: $20.26 - $27.75 We offer Medical, Dental, Vision, Paid Time Off, 401k and much more. Go on. Do it. Apply Today! OUR BUSINESS Triumph is a financial and technology company focused on payments, factoring, intelligence and banking. We are pioneering solutions that serve the transportation industry. Through the Triumph brand, our customers gain unrivaled efficiency, transparent and secure transactions, and improved access to working capital. Through TBK Bank, we provide personal and business banking solutions that strengthen local communities and fortify our transportation business. We create value by driving businesses and communities of all sizes toward the future. We are proud to be an equal opportunity employer and we do not discriminate in recruitment, hiring, training, promotion, or other employment practices on the basis of age, race, gender, color, religion, national origin, disability, sexual orientation, veteran status, or any other basis that is prohibited by federal, state or local law. As a member of the Triumph team, youre at the heart of an innovative, forward-thinking company that values collaboration, creativity and continuous learning. Youre not just an employee youre part of a team shaping the future. Being part of Triumph means striving for excellence while delivering with humility. OUR CORE VALUES Our long-standing core values are based on sound business practices and biblical principles. They flourish in our culture which helps our team members thrive, our customers succeed and our communities prosper. We commit ourselves to: Transparency Respect Invest for the future Unique is good Mission is more than money People make the difference Humility FOCUS ON SERVING OTHERS At Triumph, we strive to do the most good in the areas of greatest needs through our philanthropic endeavors. Our philanthropic vision is centered on four areas: Advocating for safety and justice Providing access to basic needs Supporting families Transforming communities