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Responsible for processing all loan requests, which includes but not limited to, preparing early disclosures, all necessary loan documents, , obtaining flood data, verifying information given by lender, completing general ledger entries, booking loans, and maintaining loan files. Verifies Business Entity Information, which includes but not limited to, Partnership Agreements, LLC Operating Agreement, Corporation By-Laws, Corporation Certificates of Title, Articles of Incorporation, and Corporate Resolutions.

<table style="border-collapse:collapse"><tbody><tr><td style="width:7in;border:solid #c0c0c0 1pt;background:#e6e6e6;padding:0.7pt 4.3pt 0.7pt 4.3pt;height:0.2in"><h2>General Description</h2></td></tr><tr><td style="width:7in;border:solid #c0c0c0 1pt;border-top:none;padding:0.7pt 4.3pt 0.7pt 4.3pt;height:34.95pt"><p>Oversees the loan process from customer to closing and works closely with lending officers to ensure a smooth production process.</p></td></tr></tbody></table><p> </p><table style="border-collapse:collapse"><tbody><tr><td style="width:7in;border:solid #c0c0c0 1pt;background:#e6e6e6;padding:0.7pt 4.3pt 0.7pt 4.3pt;height:0.2in"><h2>RESPONSIBILITIES</h2></td></tr><tr><td style="width:7in;border:solid #c0c0c0 1pt;border-top:none;padding:0.7pt 4.3pt 0.7pt 4.3pt;height:104.55pt"><ul><li>Responsible for processing all loan requests, which includes but not limited to, preparing early disclosures, all necessary loan documents, , obtaining flood data, verifying information given by lender, completing general ledger entries, booking loans, and maintaining loan files.</li><li>Review loan application package and elevate concerns related to incomplete or incorrect information.</li><li>Accountable for preparing TRID/RESPA early disclosures and loan documents.</li><li>Prepare security deeds, deed modifications and HELOC deeds and send for recording.</li><li>Follow up with attorneys for Final Title Opinions or Title Insurance and request recorded deeds.</li><li>Prepare Estoppel letters, attorney letters/payments, loan proceed checks, debt consolidation checks, note and deed modifications, and payment extensions.</li><li>Research state internet site for recorded Deeds, Cancellations, Quitclaims, and UCC's.</li><li>Verifies Business Entity Information, which includes but not limited to, Partnership Agreements, LLC Operating Agreement, Corporation By-Laws, Corporation Certificates of Title, Articles of Incorporation, and Corporate Resolutions.</li><li>Follow Beneficial Owner requirements for Business Entities.</li><li>Works closely with Attorneys on real estate closings, order Title Opinions, and prepare/review Closing Disclosures.</li><li>Order and maintain the appraisal files, ensure payment, and balance monthly.</li><li>Protect the assets of the bank by verifying approval of loan exceptions and elevating those without proper approval to supervisor.</li><li>Process letter of credit requests and maintain the letter of credit file, ensure proper tickets have posted, and balance monthly.</li><li>Verify property tax and insurance have been paid and all loan collateral documents are in file.</li><li>Prepare escrow account disclosures, process annual analysis statement, and prepare disbursements.</li><li>Complete required HMDA documents and review file for proper documentation.</li><li>Prepare participation loan document packages for purchased and sold loans.</li><li>Process Non-Originated Loan Packages.</li><li>Maintain collateral vault documents and place required holds.</li><li>Complete E-Oscar disputes.</li><li>Prepare MV1's and process electronic title liens.</li><li>Assist in Operations Department with various tasks including exception management, research, statements, and customer service.</li><li>Assist other Loan Processors as needed.</li><li>Perform various tasks as assigned by supervisor or lending officer.</li><li>Maintains knowledge of bank policies, procedures, and operational processes.</li></ul><p><em>Commercial Banking Company is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to age, race, gender, sex, religion, national origin, disability, genetic information, sexual orientation, gender identity, pregnancy, veteran status, or any other characteristic protected by local, state, or federal law.</em></p></td></tr></tbody></table><p> </p><table style="border-collapse:collapse;height:17px"><tbody><tr><td style="width:672px;border:1pt solid #c0c0c0;background:#e6e6e6;padding:0.7pt 4.3pt;height:17px"><h2>REQUIRED SKILLS, EXPERIENCE, AND EDUCATION</h2></td></tr></tbody></table><ul><li>High school diploma or the equivalent</li><li>Prior banking experience, preferable in loan operations and/or loan processing</li><li>Knowledge of banking policies, procedures, and regulations</li><li>Excellent interpersonal and customer service skills; good social skills</li><li>Demonstrates a "team" attitude toward the bank and coworkers with a constant focus on improving/protecting the bank</li><li>Possesses an attitude of cooperation and a continual motivation to learn</li><li>Ability to demonstrate high levels of accuracy and efficiency</li><li>Work well under stress</li><li>Good organizational skills and the ability to multitask efficiently</li><li>Proficiency with computers; good technical skills</li><li>Maintains a neat, well-groomed, professional appearance</li><li>Maintains a clean work area</li><li>Excellent written and verbal communication skills</li><li>Ability to work well in operations setting; self-motivated</li><li>Punctual & reliable</li></ul><p> </p><br/><p>All applicants must be able to pass the following screens:</p><ul><li>Background</li><li>Credit</li><li>Drug Screen</li></ul>

Commercial Banking Company

Loan Processor

Attorney

Banking Services

Commercial Banking

Communication Skills

Computer Skills

Corporate Law

Credit Processing

Credit Reports

Customer Support/Service

Disbursements

Escrow

File Maintenance

General Ledger Accounting

High School Diploma

Home Equity Line of Credit (HELOC)

Insurance

Internet Research

Interpersonal Skills

Liens

Loan Approval

Loan Collateral

Loan Documents

Loan Operations

Loan Origination

Loan Processing

Loan Review

Loans

Multitasking

Operations Processes

Organizational Skills

Presentation/Verbal Skills

Process Analysis

Property Tax

Real Estate Forms and Closings

Regulations

Sales

Writing Skills

Talent Acquisition

Develop customer relationships by proactively researching customer needs, use discretion and independent judgment in understanding customer needs, and matching products and services to those needs. Assure sound loans; appropriate documentation and underwriting; appropriate pricing and fees based on risk, terms, and servicing costs; and implementation of business plans in accordance with overall AgGeorgia objectives.

<b>JOB DESCRIPTION</b><br/><br/> Ready to join a team where integrity meets opportunity? We're currently seeking an experienced <strong>Mortgage Loan Originator </strong>to join our team!<br/><br/>At AgGeorgia Farm Credit, we strive to build an inclusive team of employees and leverage our unique strengths. Become a part of our team today and grow with us! AgGeorgia Farm Credit prides itself to be a caring, family-oriented culture that promotes a positive work environment. We have a strong loan referral program to help support the growth of your portfolio.If you are a highly motivated individual looking to serve the community you work in, check us out! We are looking for a <strong>Mortgage Loan Originator</strong> to work in Valdosta and surrounding areas. <br/><br/>The primary function of the Mortgage Loan Originator (MLO) is to serve current and prospective customers with sound residential mortgage credit according to Association policies and procedures. Build business development strategies, develop customer relationships and provide loan servicing. The MLO operates within delegated lending authority. <br/><br/>What you will do in this role:<br/><ul><li>Make calls on prospects using a weekly sales plan to include a specific goal for numbers of prospects contacted and closings.</li><li>Develop customer relationships by proactively researching customer needs, use discretion and independent judgment in understanding customer needs, and matching products and services to those needs. </li><li>Pursue cross-sell opportunities with existing members.</li><li>Work closely with other members of the team, including the Loan Processor </li><li>Represent AgGeorgia at Trade Shows, local events, realtor meetings, civic organizations, etc. </li><li>Interview applicants, gather and reconcile complete, accurate credit and financial data. Establish and negotiate credit terms, when necessary</li><li>Promptly address inquiries from existing customers and prospects and ensure all Association contacts are treating customers' requests with a sense of urgency. </li><li>Assure sound loans; appropriate documentation and underwriting; appropriate pricing and fees based on risk, terms, and servicing costs; and implementation of business plans in accordance with overall AgGeorgia objectives. </li><li>Communicate effectively on loans requiring underwriting through the third-party investors, relaying pertinent information, and providing proper documentation to support an accurate recommendation. </li><li>Ensure loans are approved per delegated authorities.</li><li>Ensure compliance with all required disclosures.</li><li>Monitor specific, individually assigned loans and assures that the loans receive timely and sound servicing.</li><li>Call on loan customers to evaluate management, inspect collateral and detect signs of potential financial problems as needed</li><li>Other duties and responsibilities as assigned, which may include specific projects.</li></ul>What you will need in this role:<br/><ul><li>Education and/or experience equivalent to a Bachelor's degree</li><li>5+ years residential mortgage related work experience</li><li>Have a working knowledge of traditional underwriting practices</li><li>Ability to communicate (written and verbal) effectively with all levels of the organization</li><li>Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of the borrower and the Association</li><li>Travel via auto to carry out essential responsibilities of the job.</li><li>Ability to work independently and as a team member under moderate supervision</li><li>Knowledge of Farm Credit Association policies and procedures preferred</li></ul><br/>We are an equal opportunity employer and comply with all Title VII requirements.

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Mortgage Loan Originator - Valdosta, GA AgGeorgia Farm Credit

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