Paid Sick Days

Prescription Drug Coverage

Professional Development

401K

Flexible Spending Accounts

Retirement / Pension Plans

Life Insurance

OTHER

FEED

UNKNOWN

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. Loan Operations - Provides ongoing communication to associates and management regarding loan status, conversations with applicants, and outstanding issues.

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:
<ul><li>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.</li><li>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.</li><li>Collateral Appraisal - Secures a property appraisal and completes the initial review against established checklists.</li><li>Business Support - Performs a variety of administrative support tasks during the course of mortgage processing.</li><li>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.</li></ul>

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

First Citizens Bank helps personal, business, commercial and wealth clients build financial strength that lasts. As the largest family-controlled bank in the United States, First Citizens is continuing a unique legacy of strength, stability, and long-term thinking that has spanned generations. Founded in 1898 and headquartered in Raleigh, N.C., First Citizens also operates a nationwide direct bank and a network over 550 branches in 22 states. Industry specialists bring a depth of expertise that helps businesses and individuals meet their specific goals at every stage of their financial journey. First Citizens Bank brings together personal service and powerful tools to help customers do more with their money – and make more of their future.  
 
Looking for a career with CIT? CIT is now a division of First Citizens Bank.
First Citizens Bank. Forever First®

First Citizens Bank

Mortgage Processor II

Administrative Skills

Business Support

Compensation and Benefits

Documentation

Establish Priorities

High School Diploma

Loan Approval

Loan Closing

Loan Denial

Loan Operations

Loan Submission

Loans

Maintain Compliance

Mortgage

Mortgage Lending

Operations Guidelines

People Management

Regulations

Sales Pipeline

[AW]-iCims

Analyze residential mortgage loan applications including credit reports, income documentation, asset statements, property appraisals, and other supporting documents. The Mortgage Loan Underwriter is responsible for evaluating and analyzing loan applications to determine the creditworthiness of borrowers and ensure compliance with lending policies and investor guidelines.

Job Description:The Mortgage Loan Underwriter is responsible for evaluating and analyzing loan applications to determine the creditworthiness of borrowers and ensure compliance with lending policies and investor guidelines. This position plays a critical role in the mortgage process by making informed decisions that balance risk and customer service. <ul><li>Analyze residential mortgage loan applications including credit reports, income documentation, asset statements, property appraisals, and other supporting documents.</li><li>Determine whether borrowers qualify for loan products based on investor and regulatory guidelines (Fannie Mae, Freddie Mac, FHA, VA, USDA, etc.).</li><li>Review and assess risk on conventional and government-backed loans, ensuring sound underwriting judgment and adherence to underwriting standards.</li><li>Issue loan approvals, counteroffers, suspensions, or denials and document underwriting rationale.</li><li>Work closely with loan processors, originators, and closers to obtain missing information or clarify documentation.</li><li>Maintain current knowledge of loan program guidelines, compliance requirements, and market trends.</li><li>Ensure loans meet applicable federal and state regulations (e.g., TRID, RESPA, ECOA).</li><li>Utilize automated underwriting systems (e.g., DU, LP) and perform manual underwriting when necessary.</li><li>Maintain productivity, quality, and turn-time standards as defined by management.</li><li>Participate in internal and external audits by providing documentation and responses as requested.</li></ul>Qualifications:<ul><li>High school diploma or equivalent required; bachelor's degree in finance, business, or related field preferred.</li><li>3+ years of experience underwriting residential mortgage loans.</li><li>Proficiency with loan origination systems (e.g., Encompass) and automated underwriting systems (DU, LP).</li><li>In-depth knowledge of mortgage lending regulations and underwriting guidelines.</li><li>Strong analytical and decision-making skills with a high level of accuracy and attention to detail.</li><li>Excellent written and verbal communication skills.</li><li>Ability to work independently and manage a high volume of files in a fast-paced environment.</li><li>DE (Direct Endorsement) certification for FHA loans.</li><li>SAR/LAPP approval for VA loans (Preferred).</li></ul>Standard Benefits Include:<ul><li>Group health insurance, including long-term disability with optional dental, vision, and short-term disability</li><li>Bank-sponsored retirement program</li><li>Paid vacation</li></ul>First Palmetto Bank is an equal opportunity employer and affords employment to all persons regardless of race, color, religion, sex, national origin, age, marital status, disability, or genetic information.  We know that the sky is the limit with the right team in place.

First Palmetto Bank

Mortgage Loan Underwriter

Analysis Skills

Communication Skills

Credit Analysis

Credit Risk

Detail Oriented

Equal Credit Opportunity Act (ECOA)

External Audit

Federal Housing Administration (FHA)

Federal Laws and Regulations

Finance

Government

Health Insurance

Internal Audit

Loan Origination

Loan Policy

Loan Processing

Loan Underwriting

Market Trend Analysis

Mortgage Regulations

Presentation/Verbal Skills

Quality Management

Regulatory Compliance

Residential Mortgages

Risk Analysis

Standards Development

State Laws and Regulations

Underwriting

Veteran Loans

Writing Skills

BreezyHR

This role works closely with loan officers, processors, underwriters, and attorneys to coordinate and facilitate the timely and accurate closing of mortgage transactions. The Mortgage Loan Closer is responsible for preparing, reviewing, and ensuring the accuracy of closing documents for residential and/or commercial mortgage loans.

Job Description:The Mortgage Loan Closer is responsible for preparing, reviewing, and ensuring the accuracy of closing documents for residential and/or commercial mortgage loans. This role works closely with loan officers, processors, underwriters, and attorneys to coordinate and facilitate the timely and accurate closing of mortgage transactions. Key Responsibilities:<ul><li>Review loan documents and ensure compliance with federal, state, and investor guidelines.</li><li>Prepare closing packages including Closing Disclosures (CDs), promissory notes, deeds of trust, and other related documents.</li><li>Coordinate loan closings with attorneys.</li><li>Ensure that all loan conditions are satisfied prior to funding.</li><li>Communicate with borrowers, processors, underwriters, and external parties to resolve issues and answer questions.</li><li>Verify that fees and charges are accurate and match the Loan Estimate (LE) and final CD.</li><li>Confirm wire instructions and arrange for disbursement of loan funds.</li><li>Review signed closing documents for accuracy and completeness before loan funding.</li><li>Stay updated on current mortgage regulations, policies, and procedures.</li></ul>Qualifications:<ul><li>High school diploma or equivalent required; associate or bachelor's degree in business or finance preferred.</li><li>3+ years of experience in mortgage loan closing or a related field.</li><li>Strong understanding of mortgage documentation, compliance regulations, and TRID guidelines.</li><li>Excellent attention to detail and organizational skills.</li><li>Proficient in loan origination systems (e.g., Encompass) and Microsoft Office Suite.</li><li>Strong communication and interpersonal skills.</li><li>Ability to manage multiple files and deadlines in a fast-paced environment.</li><li>Experience with FHA, VA, USDA, and conventional loans.</li></ul>Standard Benefits Include:<ul><li>Group health insurance, including long-term disability with optional dental, vision, and short-term disability</li><li>Bank-sponsored retirement program</li><li>Paid vacation</li></ul>First Palmetto Bank is an equal opportunity employer and affords employment to all persons regardless of race, color, religion, sex, national origin, age, marital status, disability, or genetic information.  We know that the sky is the limit with the right team in place.

Mortgage Loan Closer

Commercial Loans

Conventional Loans

Disbursements

File Management

Funding

Interpersonal Skills

Legal Support Skills

Loan Conditions

Loan Documents

Loan Funding

Loan Review

Microsoft Office

Organizational Skills

Problem Solving Skills

Time Management

United States Department of Agriculture (USDA)

Business Service Specialists - Our lending location teams rely on our Business Service Specialist to assess and fulfill the needs of our walk-in and telephone customer traffic while at the same time making sure our lending systems are accurate and updated. Loan Processors- Our loan processors accurately prepare and process loan request(s), legal documents, and forms, using Association software applications and computer systems.

JOB DESCRIPTION Farm Credit of the Virginias is committed to recruiting and retaining top talent. To that end, we've developed a General Application process to provide flexibility to qualified job-seekers to match them with positions that suit their skillsets, experience, and professional goals. Please use the General Application process to apply for positions: • that are posted but appear to be located outside of the desired geographic location. OR • that are not currently posted. Submissions received through the General Application process will be considered for current and future openings. Don't miss out! Apply using the General Application today. Please check our website regularly to see and apply for new opportunities. Below are some positions we frequently hire for: Loan Officers- Our loan officers actively pursue building relationships with new and potential customers. They exercise significant independent judgment in recommending and structuring credit solutions with sound credit administration while meeting the Association's growth needs. Credit Analysts- Our credit analysts independently develop and analyze all types of credit information for use by the Association in making lending decisions. They determine if the financial profile of the borrower meets the Association's underwriting standards and credit philosophy. They complete all documents including numeric projections and written analyses, and make clear and appropriate recommendations for action on loans and loan treatments. Loan Processors- Our loan processors accurately prepare and process loan request(s), legal documents, and forms, using Association software applications and computer systems. They perform key control functions to ensure the accuracy of information on systems in compliance with regulatory delivery timeframes. They also work in conjunction with Branch staff and Loan officers to ensure a positive customer experience. Business Service Specialists - Our lending location teams rely on our Business Service Specialist to assess and fulfill the needs of our walk-in and telephone customer traffic while at the same time making sure our lending systems are accurate and updated. The Business Service Specialist supports our lending location marketing and sales initiatives and provides accounting and clerical support. Farm Credit of the Virginias also offers careers in a variety of additional departments including: • Finance • Internal Audit • Marketing and our Knowledge Center • Human Resources • IT • Compliance • Project Management • Risk and Reporting • Appraisal (FCV is an EEO/AA employer, including veterans and individuals with disabilities.) If you need a reasonable accommodation for any part of the employment process, please contact me by email at CNorthrop@FCVirginias.com and let me know the nature of your request and your contact information. Requests for accommodation will be considered on a case-by-case basis.

Processor Jobs in Kirkwood, SC

Resume Resources

Similar Job Searches

Get noticed by top employers!

Processor Jobs in Kirkwood, SC

Mortgage Processor II First Citizens Bank

Mortgage Loan Underwriter First Palmetto Bank

Mortgage Loan Closer First Palmetto Bank

General Application Farm Credit of The Virginias

Resume Resources

Similar Job Searches