Loan Processor (Valdosta, GA)

Commercial Banking Company; Valdosta (GA); On-site; USD 38,000 - 60,000; Full time

Job summary

Commercial Banking Company is seeking a detail‑oriented Loan Processor to manage the end‑to‑end loan process from application through closing. You will prepare disclosures, loan documents, title and recording tasks, and coordinate with attorneys on closings.

Responsibilities include reviewing packages for completeness, maintaining HMDA documentation, and ensuring compliance with banking policies. Strong interpersonal skills and accuracy are essential.

Qualifications

• High school diploma or the equivalent.
• Prior banking experience, preferable in loan operations and/or loan processing.
• Knowledge of banking policies, procedures, and regulations.
• Excellent interpersonal and customer service skills; good social skills.
• Team attitude and focus on protecting the bank.
• Cooperative mindset with willingness to learn.
• High accuracy and efficiency; ability to work under stress.
• Good organizational skills; multitasking ability.
• Proficiency with computers and technical skills.
• Professional appearance and neat work area.
• Excellent written and verbal communication skills.
• Ability to work well in operations; self-motivated.
• Punctual and reliable.

Responsibilities

• Oversees the loan process from customer to closing with lending officers.
• Process all loan requests including disclosures, documents, flood data, and GL entries.
• Review loan packages and escalate incomplete or incorrect information.
• Prepare TRID/RESPA disclosures and loan documents.
• Prepare various deeds and HELOC documents; coordinate recording.
• Coordinate with attorneys for title opinions and title insurance.
• Prepare estoppel letters, debt modification documents, and payments.
• Research recorded deeds, cancellations, quitclaims, and UCCs.
• Verify business entity documentation and owner requirements.
• Assist with real estate closings and title opinions.
• Order and balance appraisal files; ensure payments.
• Protect bank assets by reviewing loan exceptions and approvals.
• Process letters of credit and maintain files.
• Verify taxes and insurance are paid and lien documents filed.
• Prepare escrow disclosures, annual analyses, and disbursements.
• Complete HMDA documents and review file for proper documentation.
• Prepare participation loan packages for sold/purchased loans.
• Process non-originated loan packages.
• Maintain collateral vault documents and holds.
• Assist Operations with tasks like exception management and customer service.
• Assist other loan processors as needed; perform duties assigned by supervisor.
• Maintain knowledge of bank policies and processes.

Skills

High school diploma

Banking experience

Attention to detail

Teamwork

Customer service

Multitasking

Computer literacy

Professional appearance

Communication skills

Punctuality

Education

High school diploma or equivalent

Job description

General Description

Oversees the loan process from customer to closing and works closely with lending officers to ensure a smooth production process.

RESPONSIBILITIES

• Responsible for processing all loan requests, which includes but not limited to, preparing early disclosures, all necessary loan documents, , obtaining flood data, verifying information given by lender, completing general ledger entries, booking loans, and maintaining loan files.
• Review loan application package and elevate concerns related to incomplete or incorrect information.
• Accountable for preparing TRID/RESPA early disclosures and loan documents.
• Prepare security deeds, deed modifications and HELOC deeds and send for recording.
• Follow up with attorneys for Final Title Opinions or Title Insurance and request recorded deeds.
• Prepare Estoppel letters, attorney letters/payments, loan proceed checks, debt consolidation checks, note and deed modifications, and payment extensions.
• Research state internet site for recorded Deeds, Cancellations, Quitclaims, and UCC's.
• Verifies Business Entity Information, which includes but not limited to, Partnership Agreements, LLC Operating Agreement, Corporation By-Laws, Corporation Certificates of Title, Articles of Incorporation, and Corporate Resolutions.
• Follow Beneficial Owner requirements for Business Entities.
• Works closely with Attorneys on real estate closings, order Title Opinions, and prepare/review Closing Disclosures.
• Order and maintain the appraisal files, ensure payment, and balance monthly.
• Protect the assets of the bank by verifying approval of loan exceptions and elevating those without proper approval to supervisor.
• Process letter of credit requests and maintain the letter of credit file, ensure proper tickets have posted, and balance monthly.
• Verify property tax and insurance have been paid and all loan collateral documents are in file.
• Prepare escrow account disclosures, process annual analysis statement, and prepare disbursements.
• Complete required HMDA documents and review file for proper documentation.
• Prepare participation loan document packages for purchased and sold loans.
• Process Non-Originated Loan Packages.
• Maintain collateral vault documents and place required holds.
• Complete E-Oscar disputes.
• Prepare MV1's and process electronic title liens.
• Assist in Operations Department with various tasks including exception management, research, statements, and customer service.
• Assist other Loan Processors as needed.
• Perform various tasks as assigned by supervisor or lending officer.
• Maintains knowledge of bank policies, procedures, and operational processes.

Commercial Banking Company is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to age, race, gender, sex, religion, national origin, disability, genetic information, sexual orientation, gender identity, pregnancy, veteran status, or any other characteristic protected by local, state, or federal law.

REQUIRED SKILLS, EXPERIENCE, AND EDUCATION

• High school diploma or the equivalent
• Prior banking experience, preferable in loan operations and/or loan processing
• Knowledge of banking policies, procedures, and regulations
• Excellent interpersonal and customer service skills; good social skills
• Demonstrates a "team" attitude toward the bank and coworkers with a constant focus on improving/protecting the bank
• Possesses an attitude of cooperation and a continual motivation to learn
• Ability to demonstrate high levels of accuracy and efficiency
• Work well under stress
• Good organizational skills and the ability to multitask efficiently
• Proficiency with computers; good technical skills
• Maintains a neat, well-groomed, professional appearance
• Maintains a clean work area
• Excellent written and verbal communication skills
• Ability to work well in operations setting; self-motivated
• Punctual & reliable

All applicants must be able to pass the following screens:

• Background
• Credit
• Drug Screen