Mortgage Loan Processor & Closer — Fast-Paced Banking Role

First Guaranty Bancshares, Inc.; Hammond (LA); On-site; USD 42,000 - 64,000; Full time

Benefits offered by this job

Medical

Dental

Vision

Life insurance

Prescription drug benefits

Long term disability

Salary continuance

Paid holidays

Paid vacation and sick leave

Tuition reimbursement

401k

Section 125 cafeteria plan

Stock grants

Job summary

First Guaranty Bancshares, Inc. in Hammond, LA seeks a Mortgage Loan Processor/Closer to support originators by processing and closing in-house portfolio loans and secondary market loans.

You will review income, assets, and credit, order verifications, appraisals, title work, and ensure compliance with state and federal regulations; you will coordinate closings and communicate with borrowers and lenders. The role requires attention to detail, multitasking, and proficiency with Calyx Point,

Qualifications

• 2 Years of Mortgage Loan/TRID experience preferred.
• Experience in Laser Pro and Calyx is preferred.
• Ability to multitask in a fast-paced environment.
• Exceptional organizational skills.
• Ability to coordinate and prioritize workday effectively.
• Proficient in Microsoft Office Suite.
• Must be a self-starter, conscientious, and detail oriented.

Responsibilities

• Order all verifications and information needed to submit a complete file to underwriting.
• Collect all insurance and tax information and send for Approval.
• Review income, assets, and credit report to ensure file meets policy requirements.
• Order and review appraisals to ensure policy requirements.
• Order and review title work from closing attorney to confirm clear title.
• Order and review Flood Determination.
• Ensure all information collected is accurate in Calyx Point.
• Prepare Adverse Action notices.
• Ensure all customer files are complete and in compliance with all applicable state and federal regulations.
• Underwrite files with total exposure of < $100,000.
• Maintain and track current pipeline for each loan officer.
• Adhere to BSA/AML policy and all other bank policies.
• Prepare and issue CD to borrower
• Schedule loan closings.
• Review approval to determine conditions have been met prior to closing.
• Verify accuracy of documents such as abstract and insurance forms.
• Prepare and explain closing requirements to settlement agent as needed.
• Assemble documents and provide detailed instructions to title company and lending officer for closing.
• Assemble loan documents needed for post-closing.
• Work closely with compliance for HMDA purposes.
• Maintain a “Loan Closing” log to track loan funding and rescission as well as receipt of executed loan package and recorded documents.
• Process loan proceeds for closings via checks and/or wires.
• Responsible for loan funding of all portfolio and secondary market loans.
• Assist in clearing any closing/post-closing conditions.
• Provide support to other areas of the department and promote business for the bank by maintaining good customer relations.

Skills

Multitasking

Organizational skills

Communication skills

Detail oriented

Typing skills

Self-starter

Under pressure

Tools

Laser Pro

Calyx

Microsoft Office

Job description

First Guaranty Bancshares, Inc. in Hammond, LA seeks a Mortgage Loan Processor/Closer to support originators by processing and closing in-house portfolio loans and secondary market loans.

You will review income, assets, and credit, order verifications, appraisals, title work, and ensure compliance with state and federal regulations; you will coordinate closings and communicate with borrowers and lenders. The role requires attention to detail, multitasking, and proficiency with Calyx Point,