RESIDENTIAL LOAN PROCESSOR

Central Bank; Tampa (FL); On-site; USD 35,000 - 50,000; Full time

Job summary

Central Bank is seeking a skilled professional to assist in processing residential mortgage loan applications in Tampa, Florida. The candidate will work closely with borrowers, ensure accurate documentation, and maintain compliance with regulations.

A high school diploma is required, with an associate degree preferred. Ideal candidates will have experience in mortgage lending and strong communication skills.

Qualifications

• Minimum one year of mortgage lending or processing experience preferred.
• Experience with FHA, VA, USDA, FNMA, and FHLMC loan programs preferred.

Responsibilities

• Process residential mortgage loan applications from origination through closing.
• Serve as a liaison between borrowers and third-party vendors.
• Ensure compliance with federal mortgage lending regulations.

Skills

Residential mortgage documentation knowledge

Strong communication skills

Organizational abilities

Attention to detail

Education

High school diploma or equivalent

Associate degree in Business, Finance, or related field

Tools

Microsoft Office Suite

Adobe Acrobat Pro

Job description

Essential Duties and Responsibilities: Loan Processing & Documentation

• Assist in processing residential mortgage loan applications from origination through closing.
• Establish and maintain complete electronic and physical loan files.
• Scan, upload, and properly index loan documentation into the Bank’s imaging and loan origination systems.
• Review loan applications and supporting documentation for accuracy, completeness, and compliance.
• Identify missing, inconsistent, or incomplete documentation and communicate deficiencies to appropriate parties.
• Order and monitor third-party services including:
  • Appraisals
  • Flood certifications
  • Title work
  • Verifications of employment
  • Credit supplements
  • Tax transcripts
  • Homeowners insurance
• Perform verbal and written verification of employment and other borrower information as required.
• Enter and update borrower and loan data within the Bank’s mortgage systems.
• Maintain accurate loan status updates and processing notes.

Communication & Customer Service

• Serve as a liaison between borrowers, Mortgage Loan Originators, underwriters, closing agents, and third‑party vendors.
• Provide professional and timely communication regarding loan conditions and documentation requirements.
• Assist customers with documentation requests and general loan processing inquiries.
• Support a customer‑focused banking experience consistent with Central Bank’s service standards.

Compliance & Risk Management

• Ensure loan files comply with:
  • Federal mortgage lending regulations
  • Investor guidelines
  • Internal bank policies and procedures
• Maintain strict confidentiality of customer financial and personal information in accordance with:
  • GLBA
  • Bank privacy policies
  • Information security standards
• Assist with preparation for internal audits, examinations, and quality control reviews.
• Adhere to all applicable BSA/AML, OFAC, and fraud prevention procedures.

Operational Support

• Support overall workflow management within the Residential Lending Department.
• Maintain organized tracking systems for pipeline management and outstanding loan conditions.
• Assist with special projects and departmental initiatives as assigned.
• Perform additional duties as requested by management.

Education

• High school diploma or equivalent required.
• Associate degree in Business, Finance, or related field preferred.

Experience

• Minimum one (1) year of mortgage lending, loan processing, or banking experience preferred.
• Experience with FHA, VA, USDA, FNMA, and FHLMC loan programs preferred.
• Familiarity with DU/LP underwriting systems preferred.

Knowledge, Skills, and Abilities

• Strong knowledge of residential mortgage documentation and processing procedures.
• Understanding of mortgage compliance and regulatory requirements.
• Excellent verbal and written communication skills.
• Strong organizational and time management abilities.
• Ability to prioritize multiple tasks in a deadline‑driven environment.
• Strong attention to detail and accuracy.
• Ability to maintain confidentiality and professionalism.
• Customer‑service oriented with strong interpersonal skills.
• Ability to work independently and collaboratively within a team environment.
• Strong analytical and problem‑solving skills.

Technical Skills

• Proficiency in Microsoft Office Suite (Word, Excel, Outlook).
• Experience with mortgage loan origination systems preferred.
• Proficiency in document imaging and PDF software such as Adobe Acrobat Pro.
• Ability to learn and navigate banking and mortgage software systems efficiently.

Physical Requirements

• Ability to remain seated for extended periods of time.
• Ability to use computers and standard office equipment for prolonged periods.
• Ability to occasionally lift and carry files or office materials up to 20 pounds.
• Ability to communicate effectively in person, by telephone, and electronically.

Work Environment

This position operates in a professional office environment within a community banking setting. The employee routinely uses standard office equipment including computers, telephones, copiers, scanners, and related technology.

Compliance Statement

• Conduct themselves in accordance with the Bank’s policies, procedures, and Code of Conduct.
• Maintain the highest standards of ethical behavior and integrity.
• Comply with all applicable federal and state banking laws and regulations.
• Complete all required compliance and regulatory training.
• Support the Bank’s commitment to customer service, community involvement, and operational excellence.

Disclaimer

This job description is not intended to be an exhaustive list of all duties, responsibilities, or qualifications associated with the position. Management reserves the right to revise or modify duties as business needs require.