Mortgage Loan Processor; BR 10

Texana Bank; Keller (TX); On-site; USD 3,642,000 - 4,966,000; Full time

Job summary

Texana Bank is seeking a Mortgage Processor to perform initial appraisal intake and assess applicants' credit standing. You will interview borrowers, review documentation, and coordinate with underwriting to ensure timely closings.

The role requires TRID knowledge, strong organizational skills, and excellent communication. This full-time, hourly position is based in Texas, with a focus on conventional, VA, and FHA loans.

Qualifications

• Experience processing Conventional, VA and FHA loans.
• Knowledge of TRID and lending procedures.
• Strong organizational and detail-oriented skills.
• Excellent communication and sales abilities.

Responsibilities

• Identify customer needs, explore options, and suggest loan types; review files for completeness and accuracy.
• Verify accuracy of system input.
• Analyze file for program applicability.
• Review documents such as income/assets, credit, verifications, and appraisals.
• Follow up with clients for additional documents or clarifications.
• Provide status updates to loan officers, borrowers, and agents.
• Stay up-to-date on lending and financial services.
• Coordinate submissions to underwriting and closing/funding conditions; coordinate closings as needed.
• Submit files timely per company standards.
• Review HUD-1 pre-audit to ensure accuracy; work with officers/title companies to resolve discrepancies before closing.
• Prioritize workflow for time-sensitive files.
• Ensure compliance with regulatory standards and statutes.
• Build trust and enhance customer dedication.
• Maintain confidentiality of bank and customer information.
• Perform other duties as assigned.

Skills

Conventional loans

VA loans

FHA loans

Documentation review

Customer communication

Sales skills

Organizational skills

TRID knowledge

Job description

Texana Bank first opened its doors in 1914 in Linden, Texas. In the past century, banks in our region have come and gone, but Texana is different. At Texana, we believe in growing for the right reasons — to better serve you.

Texana now boasts four full service branches throughout East Texas, in addition to two branches in Arkansas. We also have several mortgage offices to serve you. We’ re bringing honesty back to banking. Our staff has the tools and knowledge to help you achieve your goals faster. At Texana, we call you by name, and we’ re personally invested in your success. We’ re not going anywhere.

Position Type: Full-Time, Hourly Non-Exempt

Department: Mortgage Operations

Reports To: Mortgage Processing Manager

Salary Range: $26.44-$36.05 per hour

JOB SUMMARY: Responsible for performing initial appraisal of potential borrowers by thoroughly examining their applications; assessing the credit standings of applicants through background research; and interviewing applicants to evaluate their eligibility for loan or mortgage.

ESSENTIAL FUNCTIONS:

• Identify customer needs, explore all options, and suggest different types of loans. Review files for completeness and accuracy.
• Verify accuracy of system input.
• Analyze file for program applicability.
• Review necessary documentation, such as income and asset documentation, credit report, verifications, appraisal report, preliminary title report, etc.
• Follow up with clients to request additional documents as needed or to clarify important points.
• Provide status updates to loan officers, borrowers, and agents.
• Remain up to speed regarding lending and other financial services.
• Coordinate all aspects of submission to underwriting, documentation requests and satisfaction of closing/funding conditions. Coordinate closings as needed.
• Submit files in a timely manner in accordance with company standards.
• Review pre-audit HUD-1 to ensure accuracy. Work with loan officer and title companies to resolve any discrepancies prior to closing.
• Prioritize workflow to ensure time sensitive files are handled in proper order.
• Assure compliance with all regulatory and governmental standards, guidelines, rules and regulations with all regulatory authorities, federal or state ordinances and administrative regulations and statues.
• Forge trust relationship and enhance customer dedication.
• Ensures confidentiality of bank and customer information.
• Performs other duties as assigned.

Preferred Skills:

• Preferably 5 years or more processing conventional, VA and FHA loans.

Requirements:

• Post TRID knowledge required.
• Comprehension of direct/indirect lending procedures.
• In-depth understanding of relevant rules and regulations.
• Strong organization skills and detail oriented.
• Excellent communication and sales skills.

Equal Opportunity Statement: Texana Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, age, disability, veteran status, or any other protected status under applicable law.