Loan processor jobs in Birmingham, AL - 56 jobs

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 Loan Officers 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 Loan Officer 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. Apply Avadian Credit Union - Corporate Jobs View All Jobs

Who we are: We honor God by using our talents to make a positive difference in the lives of our Team Members, Clients, Shareholders, Communities, and the People who provide services to us. What we are looking for: We're searching for a Loan Officer who's driven by relationships and results. You're the advisor clients trust to guide them through one of the biggest financial decisions of their lives, and the partner real estate professionals want on their team. You bring energy and expertise to every transaction, and you're motivated by helping people achieve homeownership while building a thriving business of your own. What you'll do: You'll be the trusted guide clients and referral partners count on throughout the entire mortgage journey. That means building genuine relationships, understanding what matters most to each borrower, and helping them navigate their options with confidence and clarity. You'll manage every detail from application to closing, set clear expectations, and deliver an exceptional experience at every step. And because this industry never stops evolving, you'll stay sharp on market trends, product updates, and compliance requirements so you're always bringing your best. What You'll Bring: Success here comes down to three things: heart, hustle, and a commitment to doing right by people. Here's what that looks like: Minimum of 2 years of consecutive, recent experience in mortgage loan origination with demonstrated knowledge of the complete loan lifecycle Active Mortgage Loan Originator (MLO) license in good standing with the NMLS for applicable state(s), or the ability to obtain licensing within 60 days of hire Proven track record of successful loan origination supported by an established referral network of realtors, builders, and industry professionals Ability to manage a consistent loan pipeline effectively Strong analytical capabilities to interpret complex financial data and guide sound lending decisions Exceptional communication and relationship management skills that build trust and loyalty Advanced organizational abilities and strategic problem-solving approach A positive, proactive attitude and a genuine passion for helping others win What We Offer: Competitive compensation structure that rewards your production Comprehensive benefits including medical, dental, vision, and 401(k) Industry-leading support Access to hundreds of loan products through dozens of investor sources Award-winning workplace culture recognized for work-life balance and employee satisfaction Joint venture opportunities for growth in the builder channel What to do Next: If you're reading this and thinking "this is exactly the kind of company I want to build my career with," don't wait. Apply now and let's start a conversation about your future at Cornerstone. We're building something special here, and we're looking for professionals who are ready to grow with us for the long term. Once you join Cornerstone, we invest in you as a valued member of our team. Our team members will tell you there's something different about working here: a culture of genuine support, innovation, and shared purpose that you'll experience from day one. We are an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law. Equal Opportunity Employer This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

Essential Functions & Responsibilities: Process files from opening through closing of each loan. Take ownership of loan files once received from mortgage loan officer. Be primary contact for all parties involved in the process of the mortgage loan. Assemble all loan documents necessary to meet the underwriting guidelines for the particular loan program in process. Obtain the necessary documents from the customer to meet Automated Underwriting System Findings. Review all documents for accuracy and completeness and determine the documentation necessary to be included in the mortgage loan file while maintaining compliance of necessary loan documentation. Analyze borrower(s) Federal Tax returns (if applicable) to determine qualifying income. Complete FNMA Form 1084 Self Employed Cash Flow Analysis for loan files with tax returns. Responsible for ordering appraisals-title and hazard insurance and tracking order status. Responsible for conferring with borrowers concerning questions, procedures, necessary information and forms completion, and loan status while communicating in writing and verbally with various parties to the mortgage loan process Performs other job related duties as assigned. Performance Measurements: Meet or exceed department goals that are created in conjunction with corporate goals. To ensure all files are in compliance with federal regulations and Credit Union Policy. To ensure timely supply of requested documentation to members. Report regularly to leadership on the status of all leads and loans being worked. Knowledge and Skills: Experience: One year to three years of similar or related experience. Education: (1) A bachelor's degree, or (2) achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree (e.g., information technology certifications in lieu of a degree). Interpersonal Skills: Work involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others is key at this level. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others. Physical Requirements: Light lifting required. Work Environment: Prompt regular attendance at the assigned workplace is required.

Oakworth Capital Bank is expanding and has an excellent opportunity for someone to join our team in Birmingham, AL! We are looking for a full-time role for Loan Coordinator, Processor that will play a vital role in supporting our current & future clients. An ideal candidate would meet the qualifications listed below, and more importantly, be able to demonstrate that they live by Oakworth Core Values (Golden Rule, Character, Innovative Spirit, Professionalism, Work Ethic). 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. Daily administration of all loans and related bank accounts. 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. 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

Essential Functions & Responsibilities: * Process files from opening through closing of each loan. Take ownership of loan files once received from mortgage loan officer. Be primary contact for all parties involved in the process of the mortgage loan. * Assemble all loan documents necessary to meet the underwriting guidelines for the particular loan program in process. Obtain the necessary documents from the customer to meet Automated Underwriting System Findings. * Review all documents for accuracy and completeness and determine the documentation necessary to be included in the mortgage loan file while maintaining compliance of necessary loan documentation. * Analyze borrower(s) Federal Tax returns (if applicable) to determine qualifying income. Complete FNMA Form 1084 Self Employed Cash Flow Analysis for loan files with tax returns. Responsible for ordering appraisals-title and hazard insurance and tracking order status. * Responsible for conferring with borrowers concerning questions, procedures, necessary information and forms completion, and loan status while communicating in writing and verbally with various parties to the mortgage loan process * Performs other job related duties as assigned. Performance Measurements: * Meet or exceed department goals that are created in conjunction with corporate goals. * To ensure all files are in compliance with federal regulations and Credit Union Policy. * To ensure timely supply of requested documentation to members. * Report regularly to leadership on the status of all leads and loans being worked. Knowledge and Skills: Experience: One year to three years of similar or related experience. Education: (1) A bachelor's degree, or (2) achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree (e.g., information technology certifications in lieu of a degree). Interpersonal Skills: Work involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others is key at this level. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others. Physical Requirements: Light lifting required. Work Environment: Prompt regular attendance at the assigned workplace is required.

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

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, loan officers, 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, loan officers, 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 loan officer. 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.

Job DescriptionSalary: The Loan Officer is responsible for underwriting quality consumer loans in compliance with applicable laws, regulations, and credit union policies. This role includes providing accurate and timely responses to members regarding loan decisions, as well as gathering necessary documentation to ensure complete loan packages. The Loan Officer is expected to generate quality loans that meet the needs of both the credit union and its members. In addition to lending responsibilities, this position plays a key role in delivering exceptional member service. The Loan Officer promotes credit union products and services while ensuring all interactions are handled in a friendly, timely, and professional manner. Responsibilities Lending & Underwriting Interview members, provide guidance on consumer lending options, and complete accurate loan applications. Analyze loan applications, credit reports, collateral, financial statements, and supporting documents to make sound and consistent lending decisions within assigned authority. Calculate debt-to-income ratios, assess collateral valuation, and determine overall loan quality. Administer loan documentation and creditworthiness reviews to ensure timely and compliant loan closings. Manage indirect lending activities by analyzing applications submitted through dealerships, funding approved loans, and reaching out to members directly to resolve questions or documentation issues. Communicate and troubleshoot issues within the indirect lending platform to ensure smooth processing and member satisfaction. Collaborate with management to strengthen dealer relationships and increase participation in the credit unions indirect lending program. Identify and pursue opportunities for cross-selling additional credit union loan products and services. Compliance & Risk Management Stay current with lending and collection regulations, ensuring all activities comply with applicable laws and credit union policies. Maintain working knowledge of regulations including Reg B, Reg Z, Reg CC, the Fair Credit Reporting Act, the Bank Secrecy Act, the Patriot Act, Anti-Money Laundering requirements, and SAFE Act guidelines. Uphold all Jefferson Credit Union policies and procedures while safeguarding member and credit union interests. All other duties as assigned by management. Required Qualifications High school diploma or equivalent; associate or bachelors degree in Finance, Business, or related field preferred. 13 years of experience in consumer lending, underwriting, or related financial services. Working knowledge of loan origination systems, credit analysis, and indirect lending processes. Familiarity with compliance and regulatory standards including Reg B, Reg Z, FCRA, BSA/AML, and SAFE Act. Strong financial analysis skills with ability to calculate debt-to-income ratios and assess collateral values. Excellent communication and interpersonal skills with a professional, member-focused approach. Proficiency with Microsoft Office and ability to learn new software quickly. Highly organized and detail-oriented, able to manage multiple applications and deadlines. Preferred Qualifications Bachelors degree in Finance, Business Administration, or related field. 3+ years of experience in a credit union or community banking environment. Experience with indirect lending platforms and direct communication with dealerships. Established understanding of risk-based lending and consumer loan portfolio management. Demonstrated success in cross-selling financial products and services.

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.

Mortgage Lending Officer 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.

HOPE (Hope Enterprise Corporation, Hope Credit Union and Hope Policy Institute) provides financial services; leverages resources; and engages in advocacy that strengthens the financial health of people in under-resourced Deep South communities. Since 1994, these efforts have benefited more than three million people in Alabama, Arkansas, Louisiana, Mississippi and Tennessee, and influenced billions in persistent poverty communities across the nation. Learn more at ************************ Title: Mortgage Loan Closer Department: Mortgage Reports to: Mortgage Closing Manager Supervises: N/A Job Classification: Full-time, Non-Exempt Location: Birmingham, AL, Hybrid Job Summary The Mortgage Loan Closer is responsible for closing, funding and reviewing residential mortgage loans in accordance with the terms and conditions of the loan approval. Primary and Essential Functions: Ensure closing packages are completed within TRID guidelines Ensure accuracy of documents received before completion of CD Provide Accounting Department a Daily Cash Sheet for forecast of funding/purchasing of loans Review file for underwriting instructions, title commitment, flood certification, hazard insurance coverage, flood insurance coverage, clearance of termite, and BSA compliance Prepare documentation required for residential mortgage, grant, and bond closings Provide closing documents to closing agent Review HUD-1 for approval Wire funds to closing agent upon approval Upon receipt of completed closing package from closing agent, review loan documentation Log receipt of closing package and delivery to servicing Notify closing agent if there are errors in retail loan closing package Notify correspondent lender of outstanding conditions on wholesale loans Perform a full review of files received for purchase from correspondent lenders for underwriting conditions and for proper closing of loans Communicate with correspondent lender for any outstanding conditions on files received for purchase Follow-up on post-closing items in a timely fashion Provide excellent internal and external customer service Provide month-end closing report Secondary Functions: Perform general administrative duties such as attending meetings, report production, etc. Assist Loan Specialist in review process Assist other departments as a Mortgage Loan Closer Assist in review and response of Quality Control Audits Work with other departments when needed on projects related to the mission of ECD/HOPE Accountability for Business Results: Mortgage closing cycle time Proper closing of loan Ensuring correct funds for closing Specified Authority Level: Approve HUD-1 form Approve loan for purchase based on Underwriter approval Approve funding for wiring Qualifications: Bachelor's degree in relevant field or equivalent experience Two years of experience in residential mortgage loan documentation and closing Demonstrated strength in ability to manage multiple projects at once while maintaining appropriate attention to details Physical Demands: Employee is regularly required to sit, stand and walk. Employee will be in constant use of keyboard, which would require use of hands and fingers. Employee will be in constant communication with other persons related to work and requiring the use of hearing and speaking. Employee must infrequently lift and/or move up to 10 pounds. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Work Environment: Employee spends the majority of time in office environment, generally accessible to the public, customers, and potential customers. Noise level in the work environment is usually moderate. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Hope Enterprise Corporation does not participate in or engage in any form of visa sponsorship, including employment-based visa applications or extensions (e.g., H-1B, TN, O-1, OPT, STEM OPT, etc.). Candidates must be legally authorized to work in the United States at the time of application and throughout the duration of employment. We are an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.

The Mortgage Loan Officer is responsible for helping customers achieve their homeownership and financial goals by providing expert guidance throughout the mortgage lending process. This role will independently originate, evaluate, and manage mortgage loan applications in accordance with bank policies, investor requirements, and federal regulations. The ideal candidate brings extensive industry experience, a proven production history, and strong referral relationships. Essential Duties and Responsibilities: Independently originate and evaluate mortgage loans in compliance with bank guidelines, underwriting standards, and secondary market requirements. Manage a high-volume pipeline while meeting multiple and sometimes competing deadlines. Maintain strong working knowledge of compliance requirements, including ATR/QM and TRID. Proactively develop new business through existing customers, referral partners, and community relationships. Maintain and grow a high-quality, self-sourced portfolio of mortgage production. Performs other related duties as assigned Qualifications Knowledge/Skills/Abilities: Ability to build, grow, and sustain long-term business relationships with realtors, builders, financial advisors, and customers. Excellent verbal and written communication skills with the ability to provide clear guidance to borrowers. Advanced knowledge of residential mortgage products, including Conventional, FHA, and VA loans. Strong understanding of mortgage industry regulations, underwriting requirements, secondary market standards, and investor guidelines. Highly organized with the ability to prioritize tasks, manage multiple deadlines, and work independently in a fast-paced environment. Strong sales skills with the ability to generate, nurture, and convert leads. Competencies: Accountability: Willing to claim ownership for results of actions that were executed personally; Meets personal and organizational obligations associated with serving customers and utilizing resources; Performs duties and position without requiring guidance. Collaboration: Cooperates with others to establish priorities and develop work plans; Cooperates with team members to complete tasks assigned to the team; Consistently contributes to group discussions and shares information. Customer Service: Establishes cooperative working relationships with others internal and external to the organization; Resolves fairly complex or non-routine problems, questions, or complaints; directs the most complex problems, questions, or complaints to the appropriate person; Effectively handles situations with moderate degree of tension, conflict and/or distress. Decision-Making: Exercises good judgment in situations when data is limited and the solution may be unclear; Makes appropriate decisions in given time restraints; Demonstrates the ability to weigh factors and perceive impacts and implications of personal decisions in situations. Organizational Awareness: Understands the mission and functions of the organization; Demonstrates in-depth knowledge of organizational policies, procedures, rules, regulations impacting the organization, and guidelines; Educates others on organizational programs and policies; Aware of the key stakeholders, decision-makers, and power dynamics within the organization. Self-Management: Sets goals and priorities for own work consistent with goals of the organization and accommodates unforeseen workload; Applies effort and persistence toward the achievement of goals; Willingly accepts new or additional responsibilities. Education and Experience: Bachelor's degree and substantial experience in mortgage lending or an equivalent combination of education and experience. Minimum 5-7 years of experience in mortgage loan origination or mortgage banking required. Prior experience in a bank environment or with portfolio lending is a plus. Certifications/Licenses: Must be registered, or eligible for registration upon hire, with the Nationwide Mortgage Licensing System (NMLS).

Seasoned processor with a strong analytical ability to assess conventional and government loan requests based on a thorough knowledge of product, underwriting, and investor guidelines. Serve as the communication liaison between the customer and M&T's Mortgage department. Directly assist customers as required in a prompt, courteous and professional manner. **Primary Responsibilities** + Maintain effective communication with all necessary parties involved in a new loan application, from the customer, loan officer, realtors, settlement agents, municipalities, and co-workers to ensure a seamless and positive application experience. + Work with various internal departments as well as external organizations to obtain processing related documentation or obtain necessary information needed to complete an application i.e.: Verification of Employment, IRS Transcripts, title search, appraisal, bank statements, etc. + Immediately notifies all necessary parties of irregularities relative to standard mortgage guidelines. + Monitor, update and analyze credit reports, appraisals, income documentation, and all verifications to ensure they adhere to product, underwriting and investor guidelines. + Perform other administrative duties supporting the origination department including, but not limited to: preparing and mailing commitment letters, review title and homeowner's insurance, mailing loan suspend notices, providing the closing attorney with additional documentation, and all applicable processing checklists. + Ability to scrutinize a loan application to assess qualification, and is able to restructure a loan or recommend solutions. + Empowered to review and accept loan conditions based on underwriter requirements. + Ensures adherence to all regulatory requirements and guidelines. + Strong analytical/mathematical background to evaluate changes to borrower's current fee structure, allowable changes to those fees and the re-creation of the required regulatory documents. + Work closely with both Internal and External Customers such as co-workers, borrower(s) and Loan Officers. + Identify risk-related issues needing escalation to management. + Promote an environment that supports belonging and reflects the M&T Bank brand. + Complete other related duties as assigned. **Education and Experience Required** + Associates Degree or two years equivalent work experience. + Two to three years prior mortgage processing or underwriting experience. **Education and Experience Preferred** + Good PC skills with strong knowledge of Excel, Word, Email Platform and Adobe. + Ability to make sound decisions based on information provided. + Knowledge of Product, Investor and Compliance Requirements. + Versatility and flexibility working within an ever changing fast paced mortgage environment. + Adapting to new policies and procedures to improve processes and workflow. + Ability to function independently within time constraints. + Excellent verbal and written communication skills. + Highly organized with the ability to multitask. + Strong attention to detail. + Prioritization of daily workload. + Ability to work in a team environment. + Strong work ethic, reliable and dependable. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $20.55 - $34.25 Hourly (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location. **Location** Clanton, Alabama, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

With relationships as one of Benchmark's core values, building and maintain relationships with the goal of sourcing loan applications will be the primary focus of our loan officers. The Loan Officer sources and originates loan applications from consumers and maintains relationships to develop and keep an active pipeline of applicants. Ideal candidates for this position have a strong service-oriented mindset with prior loan sale experience, excellent communication skills, and proven knowledge of mortgage lending compliance and regulatory requirements. Essential Functions of the Role: Establish and maintain relationships through frequent travel with individuals including existing clients, past clients, and real estate professionals to generate business referrals. Maintain a pipeline of applications within federal and state regulations. Analyze mortgage applications and determine the programs best meeting the needs of the consumer. Gather required application data and provide initial documents and disclosures to the applicant. Communicate and educate the consumer on qualified programs including benefits and risks. Support communication through the loan process between operations staff and the borrower. Provide all applicable initial documents and disclosures to the loan processor. Other duties as assigned. Essential Knowledge/Skills/Abilities: Strong communication skills Ability to generate leads Customer service oriented Proven ability to prioritize and multi-task Knowledge of various loan products (FHA, VA, conventional, etc.) General knowledge of credit reports and debt-to-income ratios Ability to adapt to market changes Knowledge of the mortgage loan process Proven ability to monitor and track multiple deadlines Experience Requirements: One to two years residential mortgage origination experience required. Education/Licensing Requirements: High school diploma or equivalent required. Some college preferred. Licensed in market area and registered nationally in NMLS. Professional certifications (CMB, CMC, CMPS) preferred. Working Conditions: Fast-paced environment. Requires normal vision (corrected) both close and distant. Requires normal hearing levels (corrected). Requires working at a desk to use a phone and computer for extended periods of time. Requires sitting, bending. Works effectively with frequent interruptions. Lifting requirements of 10 lbs. occasionally. Frequent travel >50%. Along with a great culture and competitive pay, at (Benchmark/Eleven) Mortgage our full-time employees are eligible for additional benefits including: Medical, dental, and vision insurance Short-term and long-term disability 401(k) and Roth 401(k) plans with a Company match Company-provided life insurance AND MORE!

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

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

AmFirst is committed to trust, integrity, and financial wellness. We love giving our members exceptional service and value. We treat our employees just the same⁠-like family. AmFirst provides growth, opportunity, and development. We offer our employees an extensive benefits package. Role: Assists members and potential members with their financial needs, opens new accounts, processes account transactions, resolves problems, and provides assistance and information regarding products and services. Essential Functions & Responsibilities Assists members with opening and closing accounts, answers questions about products and services and resolves problems that are within their authority to resolve. Refers problems that are beyond their authority to their supervisor, along with their recommendations. Performs all consumer loan functions including selling services, quoting rates, utilizing the lending software and closing loans. Identifies cross-sell opportunities and cross-sells services to members. Ensures appropriate records are maintained and required reports are prepared. Conducts audits of system information and member documents. Acts as liaison between members and various departments. Represents the branch as appropriate in its relationships with members, sponsor organizations(s), business partners, other financial institutions and similar groups. Performs other job-related duties as assigned. Performance Measurements Open all accounts, certificates, loans, and other credit union products or services accurately, ensuring all related forms and documents are completed in a timely manner. Actively cross-sell products and services to members to achieve or exceed all established sales goals and assist in meeting corporate goals. Troubleshoot and resolve member and internal inquiries in a timely and accurate manner. Ensure compliance with all applicable credit union policies and procedures. Maintain Quality Loop scores within the branch of 6.7 or higher. Knowledge & Skills Experience - Minimum 6 months experience in New Accounts. Education - A high school education or GED. Interpersonal Skills - Work involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others is key at this level. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others. Other Skills - Must be able to utilize various computer programs to obtain and enter information. Must demonstrate strong public contact and telephone skills. Must demonstrate good judgement in order to resolve member issues and to offer other services. Must be current on all policies and procedures related to teller and new account functions and be fully versed on all services offered by the credit union. Must demonstrate familiarity with the lending function; including taking consumer loan applications, cross selling, and closing consumer loans. Must have experience in handling share certificates and IRA accounts. Must be able to change job function as member traffic dictates to meet member needs. Physical Requirements - Light lifting required.

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.

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