Boulo Solutions is partnering with a growing Birmingham, AL based bank looking for a Loan Operations, Processor that will play a vital role in supporting our current & future clients. An ideal candidate would have Commercial due diligence, reviewed attorney prepared documents and have Document prep experience, and more importantly, be able to demonstrate that they live by the company core values.
Responsibilities and Duties:
This role is directly responsible for the pre-closing due diligence, gathering of supporting documentation, and preparing documents for disclosure requirements, new loan requests, or modification of existing loans. Prepares all loan packages for disclosure and closing purposes.
Acts as primary support for all loan-related tasks for the bank's entire loan portfolio according to regulatory compliance, state law, and bank policy to mitigate risk, perfect liens, and ensure complete and proper documentation is in place.
Directly responsible for the daily administration of all loans and related bank accounts.
Key Roles/Responsibilities:
• Perform Due Diligence and Loan Processing.
• Prepare documents with attention to detail, and additional review prior to sending for closing to ensure minimal mistakes mitigating risk and client impact.
• Follow the loan process to ensure safety & soundness by lien perfection & properly documented transactions.
• Loan Support for the bank; collaborating with Client Advisors on upcoming transactions, timing - managing client expectations.
• Efficiency & streamlining our processes - always looking for ways to improve & reduce duplicated efforts.
• On-going training and sharing with fellow associates to ensure we are up to date on current items and processes.
Responsibility Details:
• For all loan requests: Pre-closing due diligence and gathering of supporting documentation for disclosure requirements, new loan requests, or modification of existing loans. Post-closing disbursement for purchase money transactions.
• Daily routine includes Supporting documentation for all incoming loans, letters of credit, and subordination - order and review; review of attorney-prepared documents prior to closing based on the approval for accuracy and completeness; review of organizational documents to ensure proper legal naming and signer requirements; responsible for ensuring consumer regulatory timing requirements are being met as applicable.
• Supports the lending staff in all loan-related questions and/or issues.
Qualifications and Skills:
• Associate's degree or three to five years of related experience or training; or equivalent combination of education and experience
• Attention to detail
• Successful experience working in various banking systems such as Horizon, FLO (Fidelity Loan Origination), FCM/ImageCentre, as well as a CRM (Client Relationship Management) system is highly preferred
• Proficiency in Microsoft Office suite is required
About Boulo: Don't let your job search end here. Boulo is a recruiting platform that goes beyond titles and timelines. We help experienced, knowledgeable professionals stand out to hiring managers by showcasing value through a skills-first approach. If you're tired of being overlooked on other job boards and seeking a new opportunity, join Boulo here: ***************************
$31k-43k yearly est. 1d ago
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Mortgage Lending Officer
River Financial Corporation 4.2
Loan officer job in Vestavia Hills, AL
RB&T Mission Statement: As a trusted partner and friend, River Bank & Trust helps our neighbors and the businesses in our communities to reach their financial goals. River Bank & Trust is looking for a Mortgage Lending Officer (MLO) who is prepared to make a difference in the lives of our customers, by providing unmatched knowledge and hospitality. This is achieved not only through the bank's commitment to support your success, but also through your community involvement/relationships, ability to uncover the customer's needs, recommend the best mortgage product, and help the customer throughout each step of the process to get the loan closed promptly.
Essential Duties and Responsibilities:
Reasonable accommodations may be made to enable individuals with disabilities to perform the
essential functions. The essential functions include, but are not limited to the following:
* Interview customers to determine their mortgage needs
* Responsible for collecting financial information & evaluating creditworthiness and eligibility
to obtain a mortgage loan
* Guide the customer through their options and throughout the process
* Prepare and submit mortgage loan applications
* Ensure data are in line with national and local financial guidelines
* Keep the customer informed throughout each step of the process
* Help resolve problems/conflict with applications
* Ensure compliance with privacy laws and confidentiality throughout the process
* Build and maintain customer relationships, internal referral network, and community
involvement
Minimum Qualifications:
* High School diploma or equivalent
* At least (2) years' experience in related or equivalent mortgage banking
* Knowledge & understanding of real estate lending criteria, compliance, federal/state
regulations, loan origination and servicing software
Skills, Abilities & Expectations:
* Be familiar with and follow policy and procedures, and support Management's decisions
and goals in a positive, professional manner.
* Stay abreast of regulatory requirements and complete annual compliance training
applicable to the position
* Assuring customer service is top priority whether internally or externally; treating
customers and employees professionally, with courtesy and respect
* Ability to work in a fast-paced team environment, handle multiple tasks, and prioritize work
* Detail oriented and organized
Mortgage Loan Originator Job Description
* Ability to analyze financial information
* Excellent interpersonal and communication skills
* Integrity, discretion, and respect for confidential information are absolutely essential
* Willingness to adapt to change
* Work within a variety of different software and web applications
* Able to prioritize duties and effectively manage time
* Analytical and problem-solving skills
* Attend work on a regular basis, on time, and withstand varying degrees of stress
* Excellent interpersonal and communication skills
* Maintaining a professional, business-like appearance and demeanor
* Proficiency in Microsoft Office products to include: Word, Excel, and Outlook
Physical Demands:
The employee will occasionally lift and/or move up to 25 pounds. The employee will regularly sit;
talk; hear; and use hands to finger, handle or feel. The employee will occasionally stand; walk;
reach with hands and arms; climb and balance; and stoop, kneel, crouch, or crawl. Special
vision requirements include close, distant, and peripheral vision; depth perception; and the
ability to adjust focus. The noise level in the work environment is usually moderate. The work
environment and physical demands are those of a standard retail branch setting. Reasonable
accommodations may be made to enable individuals with disabilities to perform the essential
functions of the job.
Disclaimer:
The above information has been designed to indicate the general nature and level of work
performed within this job. It is not designed to contain or be interpreted as a comprehensive
inventory of all duties, responsibilities, and qualifications required of employees assigned to the
job. Incumbent must attend work on a regular basis, on time, and withstand varying degrees of
stress. This position description describes the minimum selection requirements to qualify for the
position. Promotion and other employment decisions are based on employer needs, being in
good standing, fully competent performance, and other non-discriminatory subjects.
$33k-48k yearly est. 60d+ ago
Mortgage Lending Officer
River Bank & Trust 4.2
Loan officer job in Vestavia Hills, AL
RB&T Mission Statement:
As a trusted partner and friend, River Bank & Trust helps our neighbors and the businesses in our communities to reach their financial goals.
River Bank & Trust is looking for a Mortgage Lending Officer (MLO) who is prepared to make a difference in the lives of our customers, by providing unmatched knowledge and hospitality. This is achieved not only through the bank's commitment to support your success, but also through your community involvement/relationships, ability to uncover the customer's needs, recommend the best mortgage product, and help the customer throughout each step of the process to get the loan closed promptly.
Essential Duties and Responsibilities:
Reasonable accommodations may be made to enable individuals with disabilities to perform the
essential functions. The essential functions include, but are not limited to the following:
- Interview customers to determine their mortgage needs
- Responsible for collecting financial information & evaluating creditworthiness and eligibility
to obtain a mortgage loan
- Guide the customer through their options and throughout the process
- Prepare and submit mortgage loan applications
- Ensure data are in line with national and local financial guidelines
- Keep the customer informed throughout each step of the process
- Help resolve problems/conflict with applications
- Ensure compliance with privacy laws and confidentiality throughout the process
- Build and maintain customer relationships, internal referral network, and community
involvement
Minimum Qualifications:
- High School diploma or equivalent
- At least (2) years' experience in related or equivalent mortgage banking
- Knowledge & understanding of real estate lending criteria, compliance, federal/state
regulations, loan origination and servicing software
Skills, Abilities & Expectations:
- Be familiar with and follow policy and procedures, and support Management's decisions
and goals in a positive, professional manner.
- Stay abreast of regulatory requirements and complete annual compliance training
applicable to the position
- Assuring customer service is top priority whether internally or externally; treating
customers and employees professionally, with courtesy and respect
- Ability to work in a fast-paced team environment, handle multiple tasks, and prioritize work
- Detail oriented and organized
Mortgage Loan Originator Job Description
- Ability to analyze financial information
- Excellent interpersonal and communication skills
- Integrity, discretion, and respect for confidential information are absolutely essential
- Willingness to adapt to change
- Work within a variety of different software and web applications
- Able to prioritize duties and effectively manage time
- Analytical and problem-solving skills
- Attend work on a regular basis, on time, and withstand varying degrees of stress
- Excellent interpersonal and communication skills
- Maintaining a professional, business-like appearance and demeanor
- Proficiency in Microsoft Office products to include: Word, Excel, and Outlook
Physical Demands:
The employee will occasionally lift and/or move up to 25 pounds. The employee will regularly sit;
talk; hear; and use hands to finger, handle or feel. The employee will occasionally stand; walk;
reach with hands and arms; climb and balance; and stoop, kneel, crouch, or crawl. Special
vision requirements include close, distant, and peripheral vision; depth perception; and the
ability to adjust focus. The noise level in the work environment is usually moderate. The work
environment and physical demands are those of a standard retail branch setting. Reasonable
accommodations may be made to enable individuals with disabilities to perform the essential
functions of the job.
Disclaimer:
The above information has been designed to indicate the general nature and level of work
performed within this job. It is not designed to contain or be interpreted as a comprehensive
inventory of all duties, responsibilities, and qualifications required of employees assigned to the
job. Incumbent must attend work on a regular basis, on time, and withstand varying degrees of
stress. This position description describes the minimum selection requirements to qualify for the
position. Promotion and other employment decisions are based on employer needs, being in
good standing, fully competent performance, and other non-discriminatory subjects.
$24k-37k yearly est. 60d+ ago
Mortgage Loan Officer - Birmingham Area | Full-Time
Avadian Credit Union 3.6
Loan officer job in Hoover, AL
Full-time Description
Primary Job Role: Originates, acquires, and markets quality residential loans, including top-tier construction loan options and in-house portfolio loan products designed to help Mortgage LoanOfficers close outside-the-box loans. Develops marketing and promotional strategies to attract new business, while networking and building community relationships with business professionals and related organizations.
Functions and Responsibilities:
Acquire new mortgage loans by solicitation and marketing, and maintain a quality network of business relationships.
Develop and execute marketing plan based on monthly and quarterly production standards.
Ensure exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements.
Structure loans in accordance with established lending practices and federal regulatory requirements.
Demonstrate a commitment to professional ethics and complying with all Federal and State laws and regulations.
Examine surveys and appraisals to identify and address encroachments, violations, or other discrepancies as needed.
Cross-sells other Credit Union services to members.
Prepare and analyze all documents required for real estate loans.
Requirements
Basic Requirements:
Outside sales background in mortgages REQUIRED.
Proven track record of superior sales performance.
Knowledge on agency and investor regulations and guidelines.
Strong verbal and written communication and presentation skills.
Capacity to work independently and ability to participate productively as part of a team in a fast pace environment.
Demonstrate the ability to create a network of centers of influence that make referrals.
Experience: One year as a LoanOfficer or Loan Originator with outside sales experience is required. Must have excellent verbal and written communications skills. Demonstrated success in building and maintaining referral networks within the mortgage industry, including realtors, builders, financial planners, and other strategic partners.
Education: College degree in a related field preferred, but not required.
Compensation: Competitive base salary with commission-based incentives.
----------------------------------------------
Please note - submitting a resume does not guarantee any future action by Avadian Credit Union.
Avadian Credit Union is an Equal Opportunity Employer.
$29k-44k yearly est. 42d ago
Loan Originator
First Federal Bank 3.3
Loan officer job in Birmingham, AL
This commission based position is for resilient self-starters who perform well under pressure in a fast paced environment. Critical thinking, problem solving, strong work ethic and oral and written communication skills are required.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned:
Increase new mortgage business by networking with industry professionals, primarily Realtors, growing relationships within the community and maintaining relationships with previous clients.
Prepare and submit loan applications by interviewing applicants and reconciling data received by applicants.
Communicate with applicant during the mortgage process.
Ensure compliance with all federal, state and bank regulations -Structures loan products to best meet applicant's needs.
Have knowledge and understanding of Agency loan products and guidelines, loan origination software and CRM.
Conduct business with integrity and high moral character.
Contribute maximum effort to grow relationships with branch team and client base on behalf of the Bank.
Responsible for complying with the BSA/AML and Red Flags policy.
Researching any necessary information regarding the BSA/AML and Red Flags policy and if necessary, reporting to senior management and/or the compliance department.
Required to attend classroom or online BSA/AML and Red Flags training annually.
SUPERVISORY RESPONSIBILITIES
None
EDUCATION and/or EXPERIENCE REQUIRED
High School diploma or equivalent.
EXPERIENCE PREFERENCE:
Established loan originator with 2+ years' experience; sales professional with mortgage or similar industry experience; previous mortgage industry experience.
First Federal Bank is an equal opportunity employer.
$29k-39k yearly est. Auto-Apply 60d+ ago
Mortgage Loan Processor
Local Bank 4.1
Loan officer job in Tuscaloosa, AL
Job DescriptionDescription:
The Mortgage Loan Processor is responsible for managing the loan file from the time of application through final approval. This role requires attention to detail, strong organizational skills, and the ability to communicate effectively with borrowers, loanofficers, underwriters, and third-party vendors to ensure loans are processed accurately and efficiently while meeting all regulatory and compliance requirements.
Key Responsibilities:
Review mortgage loan applications for completeness and accuracy.
Gather and verify required documentation from borrowers, including income, assets, liabilities, and credit information.
Order and track third-party services such as appraisals, title work, and verifications of employment.
Maintain regular communication with borrowers, loanofficers, underwriters, and other parties to provide status updates and request additional information when needed.
Review credit reports, income documentation, and asset statements to ensure compliance with lending guidelines.
Prepare and submit complete loan packages to underwriting for approval.
Monitor loan pipeline to ensure timely processing and adherence to deadlines.
Ensure all documentation complies with federal, state, and investor regulations, as well as company policies.
Address any underwriting conditions in a timely manner by working with the borrower and loanofficer.
Coordinate loan closings with all involved parties, ensuring a smooth and efficient process.
Maintain accurate and organized records in the loan origination system.
All other related duties as assigned.
Requirements:
Qualifications:
High school diploma or equivalent required; Associate's or Bachelor's degree in finance, business, or a related field preferred.
Minimum of 2 years' experience in mortgage loan processing, lending, or a related financial services role preferred.
Strong understanding of mortgage loan products, guidelines, and compliance regulations.
Proficient with mortgage loan origination systems (LOS) and Microsoft Office Suite.
Exceptional organizational skills with the ability to manage multiple files and deadlines simultaneously.
Strong verbal and written communication skills.
Detail-oriented with a commitment to accuracy and quality.
Ability to work independently as well as collaboratively in a fast-paced environment.
Work Environment:
Standard office environment with occasional remote work as approved.
May require extended hours to meet deadlines.
Physical Requirements:
Prolonged periods of sitting at a desk and working on a computer.
Ability to lift up to 15 pounds occasionally.
$36k-49k yearly est. 16d ago
Builder Loan Consultant
Loan Depot 4.7
Loan officer job in Birmingham, AL
The Builder Loan Consultant cultivates loan referrals through the builder. They examine, evaluate, and document customer applications for credit approval on real estate loans and maintains the operational standards set forth by the builder.
Responsibilities:
* Engage in managing the loan pipeline with all team members to meet company efficiency standards
* Meet with borrowers to determine best loan program for individual needs after analyzing income, assets, credit, and property
* Collect all required documentation from borrowers and converts to paperless documents
* Prepare and submit loan submission sheet to set up
* Read and understand rate sheets, product codes, loan level price adjustments to calculate rates and fees
* Negotiate and confirm rates, fees, and lock terms with customer
* Lock loans in the system with agreed upon terms and manage locked pipeline through the funding
* Communicate regularly with borrowers to meet desired expectations
* Communicate positively and professionally with operations staff throughout the process of the loan to ensure a smooth closing
* Maintain minimum productivity goals
Requirements:
* NMLS loan originator license required
* 1-3 years of Loan Origination experience required
* Experience originating purchase loans required
* Builder experience strongly preferred
* High school diploma or general education degree (GED) required
Why work for #teamloan Depot:
* Aggressive compensation package based on experience and skill set.
* Inclusive, diverse, and collaborative culture where people from all backgrounds can thrive.
* Work with other passionate, purposeful, and customer-centric people.
* Extensive internal growth and professional development opportunities including tuition reimbursement.
* Comprehensive benefits package including Medical/Dental/Vision.
* Wellness program to support both mental and physical health.
* Generous paid time off for both exempt and non-exempt positions.
About loan Depot:
loan Depot (NYSE: LDI) is a digital commerce company committed to serving its customers throughout the home ownership journey. Since its launch in 2010, loan Depot has revolutionized the mortgage industry with a digital-first approach that makes it easier, faster, and less stressful to purchase or refinance a home. Today, as the nation's second largest non-bank retail mortgage lender, loan Depot enables customers to achieve the American dream of homeownership through a broad suite of lending and real estate services that simplify one of life's most complex transactions. With headquarters in Southern California and offices nationwide, loan Depot is committed to serving the communities in which its team lives and works through a variety of local, regional, and national philanthropic efforts.
We are an equal opportunity employer and value diversity in our company. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.
$26k-37k yearly est. Auto-Apply 8d ago
Loan Specialist II - Commercial Flood Risk
Servisfirst Bank 4.0
Loan officer job in Birmingham, AL
At ServisFirst, Our Name is Our Mission.
DUTIES AND RESPONSIBILITIES
The Loan Specialist II - Commercial Flood Risk is responsible for the due diligence required for FDPA (Flood Disaster Protection Act) compliance for all transactions requiring special handling Life of Loan monitoring processes related to Lender Placed Insurance (LPI) and Policy Renewals. Interfaces with Flood Vendors, Line of Business (LOB) partners, Asset Managers, insurance agents, stakeholders to drive completion and resolution of file analysis. The Commercial Flood Risk Analyst is key to ensuring ServisFirst Bank is fully assessing flood related risk.
Also, responsible for processing any or all of the following: Insurance Policies for all accounts with a balance in excess of $250,000, other collateral as requested, and Exception Clearing.
The incumbent will:
Communicate with Flood Vendors, LOB partners, Asset Managers, insurance agents, and stakeholders to drive completion and resolution of file analysis
Perform all analysis and execution of the most complex transactions related to regulated pre-close approval, and Life of Loan (LOL) servicing requirements, including identification of Flood eligible collateral
Lead and contribute to the oversight of all aspects of due diligence performed for compliance, and performing customer, loan and regulatory due diligence needed at each stage of the Life of Loan process
Responsible for ensuring compliance with all bank policies, procedures, and regulatory requirements
Responsible for managing complex portfolio exposure related to the FDPA (Flood Disaster Protection Act) program to include the identification, analysis, and risk mitigation in support of bank Flood policies, programs, and processes
Perform qualitative or quantitative analysis to minimize the possibility of loss and the potential impact for a highly regulated portfolio
Participate in development of recommendations for changes and/or risk mitigation opportunities to reduce or eliminate policy exceptions
Ensure portfolios are maintained to highest standard of regulatory compliance, including updating the System of record to reflect lender placement, should that occur
Provide guidance, assistance, and knowledge support to other team members. Ensure all Life of Loan activities and processes (policies, letters, notices, and coverage amount) are completed, packaged and the full file is submitted for the final comprehensive quality regulatory review
Collaborate with Compliance and Risk Management regarding loan level scenarios related to policy and procedure interpretation to ensure compliance. Proactively escalates issues and takes ownership of resolution path
Engage with the LOB partners, Asset Managers, Flood vendors, and stakeholders to drive completion and resolution of file analysis
Support training needs of other team members and employees and keep current on own training requirements
UCC continuations, amendments, and terminations as needed
Name changes on UCCs and notify lenders when received
Insurance policies received daily
Reports weekly to ensure accounts have current insurance coverage
Process Vehicle Titles for name transfers and liens and track for receipt
Review of Mortgage Releases
Imaging UCC, Insurance documents, and loan files when needed
Collateral exceptions as needed
Assist with special projects as needed
Responsible for being familiar with all compliance regulations and policies that are applicable to this position and follow and ensure compliance with these regulations and policies
Note: Reasonable accommodation may be made to enable otherwise qualified associates/applicants with disabilities to perform the essential functions of the job.
Note: Additional duties and responsibilities may be assigned.
MINIMUM QUALIFICATIONS
High school diploma or equivalent
Three (3) or more years of related or similar experience
Basic knowledge of commercial and consumer loan documentation and related regulations
Ability to complete work in a timely fashion with little to no supervision while performing duties, as demonstrated in previous experience meeting regular production goals
Experience working with Microsoft Outlook, Word and Excel
PHYSICAL REQUIREMENTS AND ENVIRONMENTAL CONDITIONS
The physical requirements and environmental conditions of this position consist primarily of:
Sustained sitting at a desk or workstation
Frequent use of PC, including typing or sustained attention to monitor
Frequent typing using a keyboard and/or calculator
Occasional lifting of basic office files or equipment up to 25 lbs
Normal office environment with comfortable internal temperatures and low level noise
EOE/AA
$27k-63k yearly est. Auto-Apply 7d ago
Birmingham, AL - Mortgage Loan Originator
Fbc Mortgage LLC 4.4
Loan officer job in Birmingham, AL
FBC is hiring seasoned Mortgage Loan Originators in our Birmingham, AL branch!
Job Requirements:
Successful Mortgage Loan Originators will proactively identify, develop and maintain a quality network of business relationships that will serve as a source of referrals for new mortgage lending opportunities. The external relationships fostered may consist of realtors, builders, professional and personal contacts. Successful Loan Originators participate in business related development opportunities, community efforts to promote home ownership and professional organizations. The Loan Originator is responsible for interviewing new and existing customers to determine their financial needs and advising those customers of appropriate products, terms, and pricing. The Loan Originator will navigate the borrower through the process and help to gather required information through clear and timely communication. The Loan Originator is the first line of defense for the company and its investors, he or she is responsible for the submission of clear accurate loan documentation and maintaining industry compliance regulations. The Loan Originator must ensure appropriate procedures are followed while meeting sales goals and objectives.
3+ years of retail residential mortgage origination experience
Documented residential mortgage loans closed volume in the past 12 months of $750,000 - $1 million per month in production
Established relationships with local referral networks
Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences
Proficient in product guidelines for Conventional, FHA, and VA loans
Strong PC skills and experience utilizing laptop technology
Must meet and comply with all requirements for Mortgage Loan Originators set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and maintain active NMLS licensure
What We Offer:
Opportunity to become a part of a reputable Mortgage Lender that has built a proven template for success in the Residential Lending Industry
Confidence in our internal operations staff to be able sell and deliver on service level commitments to your clients and referral partners
Local Underwriting, Processing, Closing, and Sales Support
Ability to grow client and referral partner base
Access to the Underwriters when needed
Portfolio Lending and Construction Lending with the ability to broker out if needed
Support to build long term client and referral partners relationships
Competitive and flexible compensation plans to fit multiple business models
FNMA Direct Seller/Servicer
Extensive Loan Product Options to offer your clients
Industry Leading Technology with Paperless Workflow Systems
Marketing Department to support you through customized campaigns directed at your specific target markets.
Ability to earn “Marketing Credits” based on loan volume to pay for your marketing efforts
Corporate Trainer for the Encompass Loan Origination System
Company and Division Overview:
FBC Mortgage, LLC is a National Mortgage Lender headquartered in Orlando, Florida. FBC Mortgage focuses on providing its customers and business partners with industry best services. “At FBC our vision is simple, to become a Top 10 Mortgage Banker by focusing on providing extraordinary customer service, a great work environment, and a team atmosphere. We will implement best in industry systems, produce high quality loans and always be mindful doing it better than the competition.
FBC Mortgage is an Equal Employment Opportunity/Affirmative Action Employer and maintains a Drug-Free Workplace
$23k-36k yearly est. Auto-Apply 60d+ ago
Mortgage Loan Processor
First Horizon Corp 3.9
Loan officer job in Birmingham, AL
The Mortgage Processor Role will be responsible for performing a variety of documentation duties related to both agency and portfolio loans while ensuring compliance with policies and procedures for all loan products. Candidates must possess proficiency with technology and a strong sense of urgency with an ability to work in a team environment while maintaining excellent organization and communication skills. Candidates must also have the ability to self-manage a pipeline of 25-35 loans at all times.
Essential Duties and Responsibilities:
* Ability to self-manage a pipeline of 25-35 loans on a daily/weekly basis.
* Ability to calculate complex income streams and assist in restructuring of loan files.
* Maintain daily workflow prioritization to ensure closing dates are met.
* Adhere to published SLAs to promote effective pipeline management.
* Order all required verifications and documentation as required by product guidelines and underwriting.
* Analyze and ensure all documentation received are accurate and meets product guidelines and underwriting conditions.
* Responsible for monitoring rate locks and initiating any Change of Circumstances for re-disclosure requirements.
* Ensure follow-up to all Pre-Funding and Post-Closing Audits as requested.
* Provide excellent customer service to both internal and external clients.
* Communicate effectively with all parties to the transaction to keep them informed of file status.
* Mentor and provide assistance to Mortgage Processors I and II.
* All other duties as assigned
Qualifications:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills, and/or abilities required.
* High school Diploma or General education degree with a minimum of five years of Mortgage Loan Processing experience.
* Ability to effectively use various computer software applications.
* Ability to embrace and adopt all Technology as set forth by the line(s) of businesses.
* Working knowledge of Mortgage Residential Loan Workflow from Origination to Post Closing.
* Basic accounting and mathematical skills.
* Ability to effectively Multitask.
* Work successfully in a fast-paced working environment and meet critical deadlines.
* Delivers excellent verbal customer service.
* Demonstrates Leadership
* Excellent interpersonal skills/Champions Teamwork
* Goal and success oriented.
* Self-Starter
* Highly organized, proven track record of successfully managing Time and Pipeline execution.
* A "sales" mindset
* Retail channel experience (partnering with MLOs, Operations, Underwriters, Regional Mgrs. & Bank Execs).
* Focus on Quality and Understanding of Regulation/Compliance requirements.
* Excellent verbal and written communication skills, bi-lingual in English and Spanish helpful.
* Ability to effectively multi-task, work well in a fast-paced working environment and meet critical deadlines.
* Commitment to a positive customer experience (internal and external).
NMLS Language
As part of the employment process for this position, you will have to meet the requirements of a background credit check. This position requires compliance with the S.A.F.E Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements.
About Us
First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at *********************
Benefit Highlights
* Medical with wellness incentives, dental, and vision
* HSA with company match
* Maternity and parental leave
* Tuition reimbursement
* Mentor program
* 401(k) with 6% match
* More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits
Follow Us
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$32k-41k yearly est. 5d ago
Mortgage Banker
Renasant Corp 4.3
Loan officer job in Birmingham, AL
The Mortgage Banker will be responsible for establishing and maintaining relationships with Renasant Bank Branch Managers, Realtors, and Builders throughout a designated service area for the purpose of generating production of all one to four family residential products (conforming, conventional, FHA, and VA, as well as other products as they become available). This individual will serve as the facilitator of the mortgage loan process and also must maintain productive relationship with mortgage operations staff.
RENASANT BANK IS AN EQUAL OPPORTUNITY EMPLOYER
Responsibilities
* Originate all types of 1-4 family residential loans
* Maintain written goals that are created in conjunction with the Mortgage Banking Department
* Coordinate loan production throughout assigned service area
* Maintain prescribed system status report of all loan cases in process
* Report monthly on the calls made to banks, realtors, and builders
* Communicate with the Mortgage Banking department in order to clarify program changes or updates to branch personnel throughout assigned service area
* Counsel and communicate with the prospective borrower for the purpose of determining what loan products would be applicable
* Schedule appointments to take applications at a location (home, branch office, or work location) convenient to the customer, and work with the customer in the completion of an accurate application and acquisition of supporting documentation
* Gather additional information required for the closing of the mortgage which is requested by the Mortgage Banking Department in a timely manner and maintain a status report of all loans in process
* Assist customer with closing contingencies
* Prepare Good Faith Estimate and Truth-In-Lending within 72 hours from date of application on all applications taken
* Provide the Realtor (if applicable) with a weekly written review on the progress of the loan
* Educate and update branch personnel throughout immediate service area on identification of conforming loan requirements and how to answer customer inquiries
* Establish rapport with the local real estate community and update regularly on programs available by calling on realtors, builders, and attorneys that have an existing relationship with Renasant Bank for the solicitation of the origination of mortgage loans and to determine product needs and coordinate these needs with supervisor
* Survey local market areas regularly
* Establish priority accounts (realtors, builders, title companies, etc.) and visit respective offices at least once a week
* Conduct seminars for local realtors and new associates on different aspects of lending; i.e., conventional, FHA/VA, ARM's, CRA)
* Become active in local affiliations relative to mortgage loan production; i.e., Board of Realtors, Home Builders Association
* Perform all duties in compliance with state and federal regulations and internal policies and procedures as is applicable to the responsibilities of the position
* Attend production meetings as designated by management
* Maintain licenses and certifications, if applicable
* Work independently in an outside sales setting which requires reliable transportation
* Perform other related duties as assigned
The aforementioned duties are all essential job functions of this position.
Qualifications
* High School diploma or equivalent required
* Ability to originate 1-4 family residential mortgage products
* Thorough knowledge of FHLMC/FNMA, FHA, VA, and other general mortgage banking lending procedures and requirements
* Ability to communicate verbally and in writing and to deal cordially with the public
* Ability to organize time effectively
* Ability to learn and comprehend regulatory directives and procedures in a short period of time
* Ability to represent Renasant Bank in a professional manner projecting the image of "Customer Focused Banking"
* Ability to work independently and make decisions following state and federal regulatory guidelines
* Must have a reliable means of transportation to facilitate responsibilities
Physical Demands
The physical demands described are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to stand or sit; kneel, stoop, or squat; use hands or fingers to handle or feel objects, tools or controls; reach with hands and arms, and talk or hear. The employee is occasionally required to walk. The employee must occasionally lift and /or move up to 25 pounds. Specific vision abilities required by this job include close vision, peripheral vision, depth perception and the ability to focus.
Work Environment
The Bank's professional working environment requires employees to communicate effectively, both verbally and in writing. Employees must demonstrate strong interpersonal skills when working closely with internal business partners and external clients. Employees may be exposed to confidential and propriety information within the working environment, therefore, must uphold confidentiality at all times. Due to the possibility of being exposed to high risk situations (i.e. robbery), detailed instructions and procedures are required to be followed at all times to safeguard the Bank's employees, customers, and assets.
The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. The principal duties and responsibilities enumerated are all essential job functions except for those that begin with the word "May".
This is intended to describe the normal level of work required by the person performing the work. The principle duties outlined are the essential responsibilities and duties. Other duties may be assigned as needs arise. Job requirements and/or processes may be modified to reasonably accommodate persons with a disability as required by law.
This description is not intended as a contract and is subject to change. Any written contractual agreements supersede this job description.
$17k-27k yearly est. Auto-Apply 60d+ ago
Loan Originator
First Federal Bank 3.3
Loan officer job in Birmingham, AL
First Federal Bank is seeking high achievers to contribute to its mortgage origination team.SUMMARY
This commission based position is for resilient self-starters who perform well under pressure in a fast paced environment. Critical thinking, problem solving, strong work ethic and oral and written communication skills are required.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned:
Increase new mortgage business by networking with industry professionals, primarily Realtors, growing relationships within the community and maintaining relationships with previous clients.
Prepare and submit loan applications by interviewing applicants and reconciling data received by applicants.
Communicate with applicant during the mortgage process.
Ensure compliance with all federal, state and bank regulations -Structures loan products to best meet applicant's needs.
Have knowledge and understanding of Agency loan products and guidelines, loan origination software and CRM.
Conduct business with integrity and high moral character.
Contribute maximum effort to grow relationships with branch team and client base on behalf of the Bank.
Responsible for complying with the BSA/AML and Red Flags policy.
Researching any necessary information regarding the BSA/AML and Red Flags policy and if necessary, reporting to senior management and/or the compliance department.
Required to attend classroom or online BSA/AML and Red Flags training annually.
SUPERVISORY RESPONSIBILITIES
None
EDUCATION and/or EXPERIENCE REQUIRED
High School diploma or equivalent.
EXPERIENCE PREFERENCE:
Established loan originator with 2+ years' experience; sales professional with mortgage or similar industry experience; previous mortgage industry experience.
First Federal Bank is an equal opportunity employer.
$29k-39k yearly est. Auto-Apply 60d+ ago
Mortgage Loan Originator
Local Bank 4.1
Loan officer job in Tuscaloosa, AL
Job DescriptionDescription:
The Mortgage Loan Originator is responsible for generating residential mortgage loan production through developing and maintaining strong client relationships, providing exceptional service, and guiding customers through the home loan process. This role actively seeks new business opportunities, evaluates borrower needs, and ensures all mortgage applications comply with regulatory and bank policies.
Key Responsibilities:
Business Development & Customer Service
Build and maintain a strong pipeline of mortgage prospects through referrals, community involvement, networking, and real estate partnerships.
Conduct borrower consultations to understand financial goals and recommend suitable mortgage solutions.
Maintain consistent, timely communication with borrowers, realtors, builders, and internal partners throughout the loan process.
Deliver exceptional service to promote customer satisfaction, repeat business, and referrals.
Loan Origination & Processing
Assist borrowers with mortgage pre-qualification, pre-approvals, and full loan applications.
Collect and verify financial documentation to ensure complete and accurate submission.
Collaborate with underwriters, processors, and closing staff to facilitate efficient and timely loan decisions.
Monitor loan progress and proactively address information requests or conditions.
Compliance & Risk Management
Ensure all loan interactions and documentation comply with federal, state, andbank regulations such as RESPA, TILA, HMDA, and Fair Lending.
Maintain accurate and complete loan records in accordance with bank standards.
Stay current on mortgage programs, market trends, interest rates, and regulatory changes affecting the mortgage industry.
Performance & Reporting
Meet or exceed individual production goals and performance expectations.
Track and report pipeline activity, conversion ratios, and lead sources.
Participate in sales meetings, product training, and professional development opportunities.
Any other duties and responsibilities as assigned.
Requirements:
Working Conditions:
· Standard office environment with frequent local travel for customer meetings, realtor visits, and community involvement.
· Flexibility to work some evenings or weekends based on borrower availability.
· Ability to represent the bank professionally at networking and community events.
· Prolonged periods sitting at a desk and working on a computer.
· Must be able to lift up to 15 pounds at times.
· Professional attire required.
Qualifications
· High school diploma or equivalent; associate or bachelor's degree preferred.
· 2+ years of mortgage origination, sales, or banking experience.
· Active NMLS registration with the ability to maintain SAFE Act compliance.
· Strong understanding of residential mortgage products, underwriting standards, and the loan process.
· Excellent interpersonal, communication, and problem-solving skills.
· Ability to work independently, manage multiple loan files, and prioritize deadlines.
· Established referral network (realtors, builders, financial professionals).
$27k-35k yearly est. 1d ago
Loan Specialist II - Due Diligence
Servisfirst Bank 4.0
Loan officer job in Birmingham, AL
At ServisFirst, Our Name is Our Mission.
DUTIES AND RESPONSIBILITIES
The Loan Specialist II - Due Diligence is responsible for assembling loan documentation for commercial and consumer loans in accordance with regulatory requirements and Bank policy. Loan packages must be prepared accurately and forwarded for further processing in a timely manner in order to ensure quality service and minimize inconvenience to the customer. Because of market volatility and spikes in loan volume, the Loan Specialist II must be able to work under deadline pressure while still ensuring accuracy.
The incumbent will:
Review submitted pre-closing nCino Doc Prep Memo or nCino Credit Memo and documentation to ensure all documents necessary to process the loan have been received and
address all outstanding exceptions
Review and clear existing collateral exceptions on renewal loans prior to moving to Doc Prep
Ensure all loan requests include proper approval to include aggregate debt, floors and fee waiver approvals
Review in-house loan documentation for commercial, consumer and real estate loans in accordance with Bank policy and regulatory requirements, within 12 hours of receipt of completed supporting documentation package, to include complex loans
Utilize external websites and vendors to acquire information to complete required information for loan packages
Ensure all internal systems (nCino, Footprints, etc.) are updated in a timely manner
Upon satisfactory documentation completion of loan package, submit to Doc Prep for review
Train new hires and cross train all existing employees
Maintain process manual on shared drive and compose procedures for any new processes
Responsible for being familiar with all compliance regulations and policies that are applicable to this position and follow and ensure compliance with these regulations and policies
Note: Reasonable accommodation may be made to enable otherwise qualified associates/applicants with disabilities to perform the essential functions of the job.
Note: Additional duties and responsibilities may be assigned.
MINIMUM QUALIFICATIONS
High school diploma or equivalent
Three (3) or more years of related experience
Extensive commercial and consumer loan documentation experience to include knowledge of collateral perfection and related regulations
Excellent understanding of credit administration procedures as demonstrated in previous position gathering and assembling loan documents
Experience working with no supervision while performing duties
Excellent organizational and time management skills, as demonstrated by experience meeting deadlines
Experience working with Microsoft Word and Excel
PHYSICAL REQUIREMENTS AND ENVIRONMENTAL CONDITIONS
The physical requirements and environmental conditions of this position consist primarily of:
Sitting at a desk or workstation for long periods of time.
Occasionally lifting and/or moving materials that weigh 1 to 25 pounds.
Frequently typing using a keyboard and/or calculator.
Normal office environment with constant comfortable temperatures and exposure to low noise level (e.g., faxes, phones, printers, etc.).
EOE/AA
$27k-63k yearly est. Auto-Apply 6d ago
Birmingham, AL - Mortgage Loan Originator
FBC Mortgage LLC 4.4
Loan officer job in Birmingham, AL
Job Description
FBC is hiring seasoned Mortgage Loan Originators in our Birmingham, AL branch!
Job Requirements:
Successful Mortgage Loan Originators will proactively identify, develop and maintain a quality network of business relationships that will serve as a source of referrals for new mortgage lending opportunities. The external relationships fostered may consist of realtors, builders, professional and personal contacts. Successful Loan Originators participate in business related development opportunities, community efforts to promote home ownership and professional organizations. The Loan Originator is responsible for interviewing new and existing customers to determine their financial needs and advising those customers of appropriate products, terms, and pricing. The Loan Originator will navigate the borrower through the process and help to gather required information through clear and timely communication. The Loan Originator is the first line of defense for the company and its investors, he or she is responsible for the submission of clear accurate loan documentation and maintaining industry compliance regulations. The Loan Originator must ensure appropriate procedures are followed while meeting sales goals and objectives.
3+ years of retail residential mortgage origination experience
Documented residential mortgage loans closed volume in the past 12 months of $750,000 - $1 million per month in production
Established relationships with local referral networks
Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences
Proficient in product guidelines for Conventional, FHA, and VA loans
Strong PC skills and experience utilizing laptop technology
Must meet and comply with all requirements for Mortgage Loan Originators set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and maintain active NMLS licensure
What We Offer:
Opportunity to become a part of a reputable Mortgage Lender that has built a proven template for success in the Residential Lending Industry
Confidence in our internal operations staff to be able sell and deliver on service level commitments to your clients and referral partners
Local Underwriting, Processing, Closing, and Sales Support
Ability to grow client and referral partner base
Access to the Underwriters when needed
Portfolio Lending and Construction Lending with the ability to broker out if needed
Support to build long term client and referral partners relationships
Competitive and flexible compensation plans to fit multiple business models
FNMA Direct Seller/Servicer
Extensive Loan Product Options to offer your clients
Industry Leading Technology with Paperless Workflow Systems
Marketing Department to support you through customized campaigns directed at your specific target markets.
Ability to earn “Marketing Credits” based on loan volume to pay for your marketing efforts
Corporate Trainer for the Encompass Loan Origination System
Company and Division Overview:
FBC Mortgage, LLC is a National Mortgage Lender headquartered in Orlando, Florida. FBC Mortgage focuses on providing its customers and business partners with industry best services. “At FBC our vision is simple, to become a Top 10 Mortgage Banker by focusing on providing extraordinary customer service, a great work environment, and a team atmosphere. We will implement best in industry systems, produce high quality loans and always be mindful doing it better than the competition.
FBC Mortgage is an Equal Employment Opportunity/Affirmative Action Employer and maintains a Drug-Free Workplace
$23k-36k yearly est. 15d ago
Mortgage Loan Processor
First Horizon Corp 3.9
Loan officer job in Birmingham, AL
The Mortgage Processor Role will be responsible for performing a variety of documentation duties related to both agency and portfolio loans while ensuring compliance with policies and procedures for all loan products. Candidates must possess proficiency with technology and a strong sense of urgency with an ability to work in a team environment while maintaining excellent organization and communication skills. Candidates must also have the ability to self-manage a pipeline of 25-35 loans at all times.
Essential Duties and Responsibilities:
* Ability to self-manage a pipeline of 25-35 loans on a daily/weekly basis.
* Ability to calculate complex income streams and assist in restructuring of loan files.
* Maintain daily workflow prioritization to ensure closing dates are met.
* Adhere to published SLAs to promote effective pipeline management.
* Order all required verifications and documentation as required by product guidelines and underwriting.
* Analyze and ensure all documentation received are accurate and meets product guidelines and underwriting conditions.
* Responsible for monitoring rate locks and initiating any Change of Circumstances for re-disclosure requirements.
* Ensure follow-up to all Pre-Funding and Post-Closing Audits as requested.
* Provide excellent customer service to both internal and external clients.
* Communicate effectively with all parties to the transaction to keep them informed of file status.
* Mentor and provide assistance to Mortgage Processors I and II.
* All other duties as assigned
Qualifications:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills, and/or abilities required.
* High school Diploma or General education degree with a minimum of five years of Mortgage Loan Processing experience.
* Ability to effectively use various computer software applications.
* Ability to embrace and adopt all Technology as set forth by the line(s) of businesses.
* Working knowledge of Mortgage Residential Loan Workflow from Origination to Post Closing.
* Basic accounting and mathematical skills.
* Ability to effectively Multitask.
* Work successfully in a fast-paced working environment and meet critical deadlines.
* Delivers excellent verbal customer service.
* Demonstrates Leadership
* Excellent interpersonal skills/Champions Teamwork
* Goal and success oriented.
* Self-Starter
* Highly organized, proven track record of successfully managing Time and Pipeline execution.
* A "sales" mindset
* Retail channel experience (partnering with MLOs, Operations, Underwriters, Regional Mgrs. & Bank Execs).
* Focus on Quality and Understanding of Regulation/Compliance requirements.
* Excellent verbal and written communication skills, bi-lingual in English and Spanish helpful.
* Ability to effectively multi-task, work well in a fast-paced working environment and meet critical deadlines.
* Commitment to a positive customer experience (internal and external).
NMLS Language
As part of the employment process for this position, you will have to meet the requirements of a background credit check. This position requires compliance with the S.A.F.E Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements.
About Us
First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at *********************
Benefit Highlights
* Medical with wellness incentives, dental, and vision
* HSA with company match
* Maternity and parental leave
* Tuition reimbursement
* Mentor program
* 401(k) with 6% match
* More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits
Follow Us
Facebook
X formerly Twitter
LinkedIn
Instagram
YouTube
$32k-41k yearly est. 25d ago
Commercial Loan Processor | Full-Time
Avadian Credit Union 3.6
Loan officer job in Homewood, AL
Full-time Description
The Commercial Loan Processor will be responsible for performing administrative tasks for commercial loan processing. The Commercial Loan Processor will coordinate with commercial lenders, underwriters, closing attorneys, and other required external vendors to collect and prepare all loan documents to be uploaded and submitted for underwriting to meet required timelines in order to close commercial loans.
Functions and Responsibilities:
Responsible for receiving and processing all incoming loan requests and ensuring the loan is boarded in a timely and accurate manner. Responsible for maintaining a specialized knowledge of documentation, terminology, Member Business Loan (MBL) Policy, SBA policy and procedures, and any commercial or business regulations pertaining to MBL Lending.
Sort and organize incoming loans according to the business's criteria, and ensure accurate, relevant information is entered into the loan processing system. Perform all functions utilizing a variety of banking and lending system applications. Take necessary action to resolve deficiencies and escalate questions/concerns to appropriate levels when needed to ensure scheduled loan closing date is obtained.
Assist loanofficers with any orders, confirmations, and filing requirements that may arise as well as the processing of withdrawn or denied loans.
Order flood certification, environmental reports, and appraisals. Communicate any deficiencies with loanofficers to ensure loan is within compliance, regulatory, and policy requirements. Order and review title with loanofficers to clear any items that would prevent the Credit Union from being in first lien position.
Collect and review organizational documents for proper ownership. Verify beneficial ownership and Secretary of State filings for membership eligibility and follow up with loanofficers to ensure accuracy of legal entities.
Maintain knowledge in preparing documents for all types of commercial loans, including but not limited to real estate, non-real estate, business Visas, unsecured lines of credit, construction loans, term loans, extensions, renewals, and modifications.
Maintain communication with loanofficers and underwriters throughout the loan process to ensure loan underwriting and documentation accuracy. Order loan closing documents needed to support timely loan closings, and review loan documents for accuracy based on details submitted for underwriting.
Transmit documentation, emails, and/or packages to lenders, underwriters, title companies, and closing attorneys to schedule loan closings as requested. Correlate with assigned closing attorneys to ensure attorney prepared requests are accurate compared to the loan approval.
Perform other duties as assigned.
Requirements
Basic Requirements:
Must possess excellent computer skills and be proficient in Microsoft Word, Excel, and PowerPoint. Must be able to create, manage, and work with various Excel spreadsheets.
Must be detail oriented, possess strong organizational and prioritization skills, and demonstrate a commitment to accuracy and quality while meeting deadlines.
Must possess effective time management skills and be able to multi-task on a regular basis.
Experience: Three to five years of similar or related experience. A background in commercial compliance or prior commercial loan assistance is a plus. Understanding of mortgage loan processes and requirements preferred.
Education: Associate's degree or equivalent professional experience in commercial or business lending preferred.
Please note - submitting a resume does not guarantee any future action by Avadian Credit Union.
Avadian Credit Union is an Equal Opportunity Employer
$29k-34k yearly est. 60d+ ago
Loan Specialist II - Due Diligence
Servisfirst Bank 4.0
Loan officer job in Birmingham, AL
Job Description
At ServisFirst, Our Name is Our Mission.
DUTIES AND RESPONSIBILITIES
The Loan Specialist II - Due Diligence is responsible for assembling loan documentation for commercial and consumer loans in accordance with regulatory requirements and Bank policy. Loan packages must be prepared accurately and forwarded for further processing in a timely manner in order to ensure quality service and minimize inconvenience to the customer. Because of market volatility and spikes in loan volume, the Loan Specialist II must be able to work under deadline pressure while still ensuring accuracy.
The incumbent will:
Review submitted pre-closing nCino Doc Prep Memo or nCino Credit Memo and documentation to ensure all documents necessary to process the loan have been received and address all outstanding exceptions
Review and clear existing collateral exceptions on renewal loans prior to moving to Doc Prep
Ensure all loan requests include proper approval to include aggregate debt, floors and fee waiver approvals
Review in-house loan documentation for commercial, consumer and real estate loans in accordance with Bank policy and regulatory requirements, within 12 hours of receipt of completed supporting documentation package, to include complex loans
Utilize external websites and vendors to acquire information to complete required information for loan packages
Ensure all internal systems (nCino, Footprints, etc.) are updated in a timely manner
Upon satisfactory documentation completion of loan package, submit to Doc Prep for review
Train new hires and cross train all existing employees
Maintain process manual on shared drive and compose procedures for any new processes
Responsible for being familiar with all compliance regulations and policies that are applicable to this position and follow and ensure compliance with these regulations and policies
Note: Reasonable accommodation may be made to enable otherwise qualified associates/applicants with disabilities to perform the essential functions of the job.
Note: Additional duties and responsibilities may be assigned.
MINIMUM QUALIFICATIONS
High school diploma or equivalent
Three (3) or more years of related experience
Extensive commercial and consumer loan documentation experience to include knowledge of collateral perfection and related regulations
Excellent understanding of credit administration procedures as demonstrated in previous position gathering and assembling loan documents
Experience working with no supervision while performing duties
Excellent organizational and time management skills, as demonstrated by experience meeting deadlines
Experience working with Microsoft Word and Excel
PHYSICAL REQUIREMENTS AND ENVIRONMENTAL CONDITIONS
The physical requirements and environmental conditions of this position consist primarily of:
Sitting at a desk or workstation for long periods of time.
Occasionally lifting and/or moving materials that weigh 1 to 25 pounds.
Frequently typing using a keyboard and/or calculator.
Normal office environment with constant comfortable temperatures and exposure to low noise level (e.g., faxes, phones, printers, etc.).
EOE/AA
$27k-63k yearly est. 8d ago
Birmingham, AL - Mortgage Loan Originator
Fbc Mortgage LLC 4.4
Loan officer job in Birmingham, AL
FBC is hiring seasoned Mortgage Loan Originators in our Birmingham, AL branch!
Job Requirements:
Successful Mortgage Loan Originators will proactively identify, develop and maintain a quality network of business relationships that will serve as a source of referrals for new mortgage lending opportunities. The external relationships fostered may consist of realtors, builders, professional and personal contacts. Successful Loan Originators participate in business related development opportunities, community efforts to promote home ownership and professional organizations. The Loan Originator is responsible for interviewing new and existing customers to determine their financial needs and advising those customers of appropriate products, terms, and pricing. The Loan Originator will navigate the borrower through the process and help to gather required information through clear and timely communication. The Loan Originator is the first line of defense for the company and its investors, he or she is responsible for the submission of clear accurate loan documentation and maintaining industry compliance regulations. The Loan Originator must ensure appropriate procedures are followed while meeting sales goals and objectives.
3+ years of retail residential mortgage origination experience
Documented residential mortgage loans closed volume in the past 12 months of $750,000 - $1 million per month in production
Established relationships with local referral networks
Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences
Proficient in product guidelines for Conventional, FHA, and VA loans
Strong PC skills and experience utilizing laptop technology
Must meet and comply with all requirements for Mortgage Loan Originators set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and maintain active NMLS licensure
What We Offer:
Opportunity to become a part of a reputable Mortgage Lender that has built a proven template for success in the Residential Lending Industry
Confidence in our internal operations staff to be able sell and deliver on service level commitments to your clients and referral partners
Local Underwriting, Processing, Closing, and Sales Support
Ability to grow client and referral partner base
Access to the Underwriters when needed
Portfolio Lending and Construction Lending with the ability to broker out if needed
Support to build long term client and referral partners relationships
Competitive and flexible compensation plans to fit multiple business models
FNMA Direct Seller/Servicer
Extensive Loan Product Options to offer your clients
Industry Leading Technology with Paperless Workflow Systems
Marketing Department to support you through customized campaigns directed at your specific target markets.
Ability to earn “Marketing Credits” based on loan volume to pay for your marketing efforts
Corporate Trainer for the Encompass Loan Origination System
Company and Division Overview:
FBC Mortgage, LLC is a National Mortgage Lender headquartered in Orlando, Florida. FBC Mortgage focuses on providing its customers and business partners with industry best services. “At FBC our vision is simple, to become a Top 10 Mortgage Banker by focusing on providing extraordinary customer service, a great work environment, and a team atmosphere. We will implement best in industry systems, produce high quality loans and always be mindful doing it better than the competition.
FBC Mortgage is an Equal Employment Opportunity/Affirmative Action Employer and maintains a Drug-Free Workplace
$23k-36k yearly est. Auto-Apply 60d+ ago
Mortgage Loan Processor
First Horizon 3.9
Loan officer job in Birmingham, AL
The Mortgage Processor Role will be responsible for performing a variety of documentation duties related to both agency and portfolio loans while ensuring compliance with policies and procedures for all loan products. Candidates must possess proficiency with technology and a strong sense of urgency with an ability to work in a team environment while maintaining excellent organization and communication skills. Candidates must also have the ability to self-manage a pipeline of 25-35 loans at all times.
Essential Duties and Responsibilities:
• Ability to self-manage a pipeline of 25-35 loans on a daily/weekly basis.
• Ability to calculate complex income streams and assist in restructuring of loan files.
• Maintain daily workflow prioritization to ensure closing dates are met.
• Adhere to published SLAs to promote effective pipeline management.
• Order all required verifications and documentation as required by product guidelines and underwriting.
• Analyze and ensure all documentation received are accurate and meets product guidelines and underwriting conditions.
• Responsible for monitoring rate locks and initiating any Change of Circumstances for re-disclosure requirements.
• Ensure follow-up to all Pre-Funding and Post-Closing Audits as requested.
• Provide excellent customer service to both internal and external clients.
• Communicate effectively with all parties to the transaction to keep them informed of file status.
• Mentor and provide assistance to Mortgage Processors I and II.
• All other duties as assigned
Qualifications:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills, and/or abilities required.
• High school Diploma or General education degree with a minimum of five years of Mortgage Loan Processing experience.
• Ability to effectively use various computer software applications.
• Ability to embrace and adopt all Technology as set forth by the line(s) of businesses.
• Working knowledge of Mortgage Residential Loan Workflow from Origination to Post Closing.
• Basic accounting and mathematical skills.
• Ability to effectively Multitask.
• Work successfully in a fast-paced working environment and meet critical deadlines.
• Delivers excellent verbal customer service.
• Demonstrates Leadership
• Excellent interpersonal skills/Champions Teamwork
• Goal and success oriented.
• Self-Starter
• Highly organized, proven track record of successfully managing Time and Pipeline execution.
• A “sales” mindset
• Retail channel experience (partnering with MLOs, Operations, Underwriters, Regional Mgrs. & Bank Execs).
• Focus on Quality and Understanding of Regulation/Compliance requirements.
• Excellent verbal and written communication skills, bi-lingual in English and Spanish helpful.
• Ability to effectively multi-task, work well in a fast-paced working environment and meet critical deadlines.
• Commitment to a positive customer experience (internal and external).
NMLS Language
As part of the employment process for this position, you will have to meet the requirements of a background credit check. This position requires compliance with the S.A.F.E Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements.
About Us
First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at *********************
Benefit Highlights
• Medical with wellness incentives, dental, and vision
• HSA with company match
• Maternity and parental leave
• Tuition reimbursement
• Mentor program
• 401(k) with 6% match
• More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits
Follow Us
Facebook
X formerly Twitter
LinkedIn
Instagram
YouTube
How much does a loan officer earn in Tuscaloosa, AL?
The average loan officer in Tuscaloosa, AL earns between $24,000 and $59,000 annually. This compares to the national average loan officer range of $30,000 to $69,000.
Average loan officer salary in Tuscaloosa, AL
$38,000
What are the biggest employers of Loan Officers in Tuscaloosa, AL?
The biggest employers of Loan Officers in Tuscaloosa, AL are: