Mortgage Loan Specialist & TRID Processor

First Security Bank

Searcy (AR)

On-site

USD 42,000 - 66,000

Full time

43 hours ago

Be an early applicant

Application generator

Stand out for this role — generate a tailored resume and cover letter in about a minute.

Get past ATS filters

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.