FT Central TRID Processor & Mortgage Loan Specialist

First Security Bank; Searcy (AR); On-site; USD 42,000 - 66,000; Full time

Job summary

First Security Bank is seeking a Central TRID Processor and Mortgage Loan Specialist to support home-financing needs in our Arkansas community. This on-site role focuses on TRID and ATR requirements, guiding customers from application to closing, and collaborating with processors, underwriters, and title companies.

You will review borrower documentation, pull credit reports, discuss loan terms, and ensure compliance with banking regulations.

Qualifications

• Experience processing mortgage loans and adhering to TRID/ATR rules.
• Ability to review income, assets, and credit documentation for accuracy.
• Strong customer service skills with regulatory awareness.

Responsibilities

• Assist customers with mortgage inquiries and guide through loan process from application to closing.
• Discuss loan terms, rates, conditions, and closing requirements clearly; NMLS license required.
• Promote bank products and services when appropriate.
• Collect and review borrower documentation, including income, credit, assets, and employment.
• Pull credit reports and analyze creditworthiness, debt-to-income ratios, and other financial information.
• Prepare pre-qualification and pre-approval determinations per guidelines.
• Review real estate contracts and gather supporting docs for TRID and ATR.
• Prepare and maintain accurate, compliant loan files.
• Prepare required underwriting materials.
• Order and track third-party services.
• Coordinate with processors, underwriters, title companies, and closing agents to ensure timely workflow.
• Prepare preliminary Closing Disclosures and assist customers with closing requirements.
• Coordinate closing, booking, and funding of loans per bank procedures.
• After closing, scan final loan documents.
• Ensure all loan applications are fully completed and compliant.
• Ensure activities adhere to banking regulations and internal compliance standards.
• Protect customer information and bank operations through confidentiality.
• Operate software and equipment, and develop proficiency with internal banking systems.
• Maintain a valid driver’s license and reliable transportation; occasional extended hours for business travel.
• Perform additional duties as assigned by management.

Skills

Loan processing

Credit analysis

Customer service

Regulatory compliance

Attention to detail

Education

NMLS license

Tools

TRID/ATR knowledge

Mortgage systems

Job description

First Security Bank is looking for a friendly, energetic, and team-oriented individual to join us as a Central TRID Processor and Mortgage Loan Specialist! If this is you and you want to join a dynamic team that is passionate about serving our Arkansas community,

This position plays a key role in serving the home-financing needs of our community by ensuring all TRID (Loan Estimate and Closing Disclosures) and ATR (Ability-to-Repay) requirements are accomplished. The role emphasizes relationship building, local decision-making, and delivering personalized service that reflects the bank’s commitment to community banking values.

This position requires on-site work.

HOURS OF AVAILABILITY:

Regularly Scheduled Hours / Week: 40 (+) hours | Monday - Friday 8:00am - 5:00pm|*Extended working hours may be required.

Essential Duties And Responsibilities

• Assist customers with mortgage inquiries and provide expert guidance throughout the loan process from application to closing.
• Discuss loan terms, rates, conditions, and closing requirements in a clear and customer-friendly manner (NMLS license will be required).
• Promote bank products and services when appropriate.
• Collect and review borrower documentation, including income, credit, assets, and employment.
• Pull credit reports and analyze creditworthiness, debt-to-income ratios, and other financial information.
• Prepare pre-qualification and pre-approval determinations in accordance with bank and regulatory guidelines.
• Review real estate contracts and gather supporting documentation for TRID and ATR purposes.
• Prepare and maintain accurate, compliant loan files in accordance with bank regulations and internal policies.
• Prepare required underwriting materials.
• Order and track third-party services.
• Coordinate with processors, underwriters, title companies, and closing agents to ensure timely workflow.
• Prepare preliminary Closing Disclosures (CDs) and assist customers with closing requirements.
• Coordinate the closing, booking, and funding of loans in accordance with bank procedures.
• After closing, scan final loan documents.
• Ensure all loan applications are fully completed and compliant before submission.
• Ensure all activities adhere to banking regulations and internal compliance standards.
• Protect all customer information and bank operations through strict confidentiality.
• Operate computer software and equipment, telephone, scanner, and copier, and develop proficiency with internal banking systems.
• Maintain a valid driver’s license, reliable transportation, and punctual attendance. This position requires occasional extended hours to meet customer needs for business travel purposes, using a personal vehicle.
• Perform additional duties as assigned by management.

SUPERVISORY RESPONSIBILITIES:

None

Soft Skills

Foster a culture that values high ethical conduct, critical thinking, problem-solving, engagement, teamwork, and provides exceptional service. Establish positive and productive work relationships that provide honest feedback that generates trust.

PHYSICAL DEMANDS

Possess sufficient mobility to work in a standard office setting. Perform repetitive hand, arm, wrist, and finger movements while handling currency, documents, and/or office equipment. Substantial time may be spent on the telephone, operating computers, reaching, sitting, and/or standing while occasionally stooping, kneeling, or crouching. The employee must have the ability to speak and hear well enough to carry on customer interactions, conversations, and presentations both in-person and over telecommunications. Have near/far visual acuity to identify customers, currency, and reading materials in printed or electronic format. The employee must occasionally lift and move up to 10 pounds. Ability to hold a valid driver's license with access to a vehicle that can be used for business travel purposes.

The work environment described here is representative of what an employee encounters while performing the essential functions of this job successfully. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

MENTAL DEMANDS

The duties of this position require the ability to maintain attention to detail and complete work projects accurately in a short amount of time, despite interruptions. The employee must be able to interact with customers/coworkers in a calm and patient manner and maintain confidentiality and professionalism in all situations. The employee must be able to use basic mathematical skills, including adding, subtracting, multiplying, and dividing numbers. The position also requires the ability to read and interpret documents and draft routine written communications.