Mortgage Processor II (Junior Underwriter)

First Citizens Bank; Columbia (SC); Hybrid; USD 45,000 - 75,000; Full time

Job summary

First Citizens Bank is seeking a mortgage processing professional for a hybrid role. You will verify documentation for closings, coordinate with the Closing Department, and ensure compliance with regulations.

The position emphasizes attention to detail, organizational skills, and effective communication to manage loan status and pipeline priorities.

Qualifications

• Bachelor's degree or GED with 3 years mortgage processing experience.
• Preferred: Mortgage processing experience with Encompass.
• Detail oriented with strong organizational skills.

Responsibilities

• Mortgage Processing - Verify documentation for loan closings and assist scheduling closings; prepare approved loans for Closing Department.
• Loan Operations - Maintain loan status communications and address outstanding issues; ensure regulatory compliance.
• Collateral Appraisal - Secure property appraisal and initial review.
• Business Support - Provide administrative support during mortgage processing.
• Pipeline Management - Manage an active loan pipeline and ensure timely closings and rate actions.

Skills

Loan Processing

Mortgage Products

Detail Oriented

Organization Skills

Education

Bachelor's Degree

High School Diploma or GED

Job description

Overview

This is a hybrid role with the expectation that time working will regularly take place inside and outside of a company office. This position processes mortgage loans, loan applications, and all associated documentation at a higher level of complexity. Validates application information for underwriting purposes and updates department systems accordingly. Prepares approved loans for closing submission, and notifies appropriate parties for action on declined loans. Contributes to protecting the Bank from fraud, misrepresentation, and mortgage loan default through compliance with federal regulations, department policy, and standard procedures. May provide guidance for less experienced associates in the work group.

Responsibilities & Qualifications

• Mortgage Processing - Verifies the accuracy and completion of all documentation or information necessary for loan closings. Assists in scheduling loan closings and answers questions regarding the mortgage loan process. Places closing conditions on the file and prepares approved loans for the Closing Department. Submits loans recommended for decline to second level review and issues adverse action notices.
• Loan Operations - Provides ongoing communication to associates and management regarding loan status, conversations with applicants, and outstanding issues. Conveys deficiencies in loan documentation with the necessary parties. Ensures compliance in all operations with applicable guidelines and regulations. May assist management with more complex matters and projects.
• Collateral Appraisal - Secures a property appraisal and completes the initial review against established checklists.
• Business Support - Performs a variety of administrative support tasks during the course of mortgage processing.
• Pipeline Management - Manages a pipeline of active loans by updating and prioritizing activities based on projected loan closing date. Ensures that loans close prior to approval expiration and rate lock expiration.

Position Specific Skills

• Loan Processing
• Mortgage Loan or Mortgage Products
• Detail Oriented
• Organization Skills

Minimum Required Education And Experience

Bachelor's Degree OR High School Diploma or GED and 3 years of experience in Mortgage processing. Preferred Qualifications: Mortgage processing experience and experience working with Encompass.

Additional Information

Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.