Loan Processor - Real Estate (Onsite - Not a Remote Position)

Central State Bank; Calera (AL); Hybrid; USD 55,000 - 75,000; Full time

Job summary

Central State Bank is seeking a seasoned Loan Processor with 3–5+ years of experience in consumer and commercial real estate loan processing. You will review applications, collect borrower information, and verify third-party docs to ensure compliance with underwriting guidelines and investor standards.

You will communicate with stakeholders to resolve complex issues and mentor junior processors. The role requires strong organizational and analytical skills, proficiency in LOS and MS Office, and

Qualifications

• High school diploma or equivalent required; associate or bachelor’s degree preferred.
• 3–5+ years of experience in consumer and/or commercial real estate loan processing.
• In-depth knowledge of loan documentation, underwriting requirements, and regulatory compliance for real estate loans.
• Strong organizational, analytical, and problem-solving skills.
• Effective communication and customer service skills.
• Proficiency with loan origination systems (LOS) and Microsoft Office.
• Experience with residential mortgages, commercial real estate loans, or mixed-use properties.
• Familiarity with regulatory requirements such as TRID, RESPA, HMDA, or state-specific real estate lending regulations.

Responsibilities

• Review and process consumer and commercial real estate loan applications for accuracy, completeness, and compliance.
• Collect, verify, and analyze borrower information, including income, assets, credit, and property collateral.
• Order, review, and verify third-party documentation such as appraisals, title reports, environmental reports, and credit reports.
• Ensure loan files comply with underwriting guidelines, regulatory requirements, and investor standards for both residential and commercial real estate loans.
• Communicate with borrowers, loan officers, underwriters, and other stakeholders to resolve complex documentation or loan issues.
• Prepare loan files for underwriting and closing, ensuring all documentation is accurate and complete.
• Identify and resolve discrepancies, missing information, or documentation errors.
• Mentor and provide guidance to junior loan processors, particularly on commercial real estate transactions.
• Stay current on consumer and commercial real estate lending products, regulations, and industry best practices.
• Support audits, regulatory reviews, and internal compliance initiatives.
• Other duties as assigned

Skills

Organizational skills

Analytical skills

Problem-solving skills

Communication skills

Customer service skills

Education

High school diploma or equivalent

Associate or bachelor’s degree preferred

Tools

Loan Origination Systems (LOS)

Microsoft Office

Job description

Description

Duties/Responsibilities:

• Review and process consumer and commercial real estate loan applications for accuracy, completeness, and compliance
• Collect, verify, and analyze borrower information, including income, assets, credit, and property collateral
• Order, review, and verify third-party documentation such as appraisals, title reports, environmental reports, and credit reports
• Ensure loan files comply with underwriting guidelines, regulatory requirements, and investor standards for both residential and commercial real estate loans
• Communicate with borrowers, loan officers, underwriters, and other stakeholders to resolve complex documentation or loan issues
• Prepare loan files for underwriting and closing, ensuring all documentation is accurate and complete
• Identify and resolve discrepancies, missing information, or documentation errors
• Mentor and provide guidance to junior loan processors, particularly on commercial real estate transactions
• Stay current on consumer and commercial real estate lending products, regulations, and industry best practices
• Support audits, regulatory reviews, and internal compliance initiatives
• Other duties as assigned

Requirements

• High school diploma or equivalent required; associate or bachelor’s degree preferred
• 3–5+ years of experience in consumer and/or commercial real estate loan processing
• In-depth knowledge of loan documentation, underwriting requirements, and regulatory compliance for real estate loans
• Strong organizational, analytical, and problem-solving skills
• Effective communication and customer service skills
• Proficiency with loan origination systems (LOS) and Microsoft Office
• Experience with residential mortgages, commercial real estate loans, or mixed-use properties
• Familiarity with regulatory requirements such as TRID, RESPA, HMDA, or state-specific real estate lending regulations