Loan specialist jobs in Birmingham, AL - 45 jobs

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

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 Processor Department: Mortgage Processing Reports To: AVP Mortgage Processing Manager Supervises: N/A Job Classification: Full-time, Non-Exempt Location: Birmingham, AL (Hybrid) Job Summary The Mortgage Loan Processor is responsible for processing loan files by verifying the information the applicants supply on the application, documenting it in accordance with the terms and conditions of the loan approval, and providing the information necessary for the closing of the mortgage loan. This involves the verifying of the applicant's income, assets, liabilities and collateral value. It may also involve gathering additional documentation required to qualify applicant for various grant programs. Primary and Essential Functions Review the file received from the loan officer for necessary documentation and disclosures Collecting and verifying the necessary information and documents for a loan application, such as income verification, bank statements, tax returns, appraisal, etc. Thorough knowledge and understanding of agency (Fannie Mae, Freddie Mac) and portfolio guidelines. Knowledge of federal and state mortgage lending regulations. Review the file input in mortgage software and any grant-specific software. Ability to adhere to tight deadlines and work effectively under pressure. Follow-up on any documentation that has not been received, including ordering the appraisal, FHA/VA case numbers, and alternative documentation if required, etc. Follow-up on any grant-specific documentation that is needed. Order Credit Alert Interactive Voice Response System (CAIVRS), check Limited Denial of Participation (LDP)/General Services Administration (GSA) exclusionary lists. Evaluate documentation received for correctness and completeness. Prepare and submit all loan files to the loan underwriter for a credit decision. Complete information necessary for the closing of the loan by making sure the closing date is on the shared calendar, flood certifications are in the file, and evidence of all insurances (HOI, wind/hail, flood, etc.). Checking all insurance policies for adherence to product guidelines. Follow up on any additional requirements or conditions requested by the loan underwriter. Provide excellent internal and external customer service. Create strong and lasting relationships with clients and referral partners. Ability to work collaboratively and as a liaison for the loan officer, underwriter, closer, settlement agent, and real estate agent (if applicable) on all loan files. Perform general administrative duties such as attending meetings, report production, etc. Complete all tracking data of the loan file in the mortgage loan software. Communicate effectively with the loan officer throughout the loan cycle to ensure closing deadlines are met. Work with other departments as needed on projects related to the mission of HOPE. Regulatory Compliance Requirements Must comply with registration requirements with National Mortgage Licensing System (NMLS) Must comply with provisions of the Bank Secrecy Act (BSA). Must comply with the provisions of the Privacy of Consumer Financial Information regulations. Must comply with the provisions of the Right to Financial Privacy Act. Must comply with the provisions of the Equal Credit Opportunity Act (Regulation B). Must comply with the provisions of the Fair Credit Practice Rule. Must comply with the provisions of the Fair Credit Reporting Act. Must comply with the provisions of the Fair Housing Act. Must comply with the provisions of the Flood Disaster Protection Act. Must comply with the provisions of the Home Mortgage Disclosure Act (Regulation C). Must comply with the provisions of the Homeowners Protection Act. Must comply with the provisions of the National Flood Insurance Act. Must comply with the provisions of the Real Estate Settlement Procedures Act (Regulation X). Must comply with the provisions of the Servicemembers' Civil Relief Act. Must comply with the provisions of the Truth in Lending Act (Regulation Z). Must comply with the provisions of the Mortgage Disclosure Information Act. Must comply with the provisions of Appraisal Independence Interim Final Rule Must comply with the Interagency Appraisal and Evaluation Guidelines Must comply with the Dodd-Frank Act Must comply with the Consumer Financial Protection Bureau Accountability for Business Results Timeliness and quality of the loan process Loan closing cycle time Timeliness of grant funding Specified Authority Level Run Desktop Underwriter VA/FHA Connection Approve HUD-1 Form for grant closings Approve loans for grant compliance according to program guidelines Qualifications A minimum of three years of recent experience in residential mortgage loan processing Preferred Demonstrated strength in the ability to manage multiple projects at once while maintaining appropriate attention to details A bachelor's degree in finance or a relevant field is preferred. Competencies/Skills Excellent Customer Service, written and verbal communications skills Keen analytical skills Working knowledge of word processor, spreadsheet, other PC applications, or mainframe applications to produce non-standard, creative products Ability to read and interpret documents, write routine reports and correspondence Ability to compute rate, ratio, percent, and interpret data Ability to effectively use DU/Total Scorecard & GUS Ability to apply commonsense understanding to carry out detailed but uninvolved written or oral instructions Ability to deal with problems involving a few concrete variables in standardized situations Knowledge of regulations and requirements of investors, federal regulations and compliance in mortgage lending Work Environment: Employee spends the majority of time in an 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. Hybrid work option is available Physical Demands: Employee is regularly required to sit, stand, and walk. Employee will use hands to finger, handle, or feel, reach with hands and arms, and talk or hear. Employee must regularly lift and move up to 10 pounds and frequently lift and/or move up to 25 pounds. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Comprehensive Benefits Package: Paid Vacation and Sick Time 11 Paid Holidays 401(k) with Company Match Medical, Dental, and Vision Benefits Flexible Spending Account (FSA) Disability Benefits Life Insurance, Critical Illness, Accident Employee Assistance Program (EAP) Tuition Reimbursement, Professional Development 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.

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 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.

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

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).

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.

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 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.

The Loan Officer is responsible for marketing, new loan growth and the extension of sound constructive credit to borrowers and prospective borrowers. RESPONSIBILITIES/DUTIES include, but are not limited to: Actively marketing for new loan customers Securing, processing and approving a wide variety of land and agriculturally related loan transactions Supervising and servicing an existing loan portfolio Attending various farm and farm-related meetings sponsored by First South Farm Credit and other organizations Promoting good customer relations Performing additional duties, as required, to meet business requirements Meeting the requirement of daily attendance on the job for a full, continuous 8-hour shift REQUIRED EXPERIENCE Bachelor's Degree in Business, Economics, Finance or Agriculture discipline or equivalent education/experience is required. Must possess strong analysis, judgment and communication skills (both oral and written). Excellent problem solving and teamwork skills required, including ability to be assertive and decisive in making sound business decisions. PREFERRED EXPERIENCE Prefer experience in management of an agricultural production loan portfolio or related practical experience, including Farm Credit experience. DETAILS Salary will be commensurate with experience and performance. NOTE: Travel is required for this position.

Overview & Responsibilities Are you looking for a long-term opportunity with a growing financial services company that rewards performance and gives back to its community? If so, please read on! This position earns a competitive salary of $32,000 per year (paid hourly), plus an uncapped monthly bonus that averages $8,000 annually! In addition, we offer amazing benefits and perks, including health, dental, and vision insurance with employer contribution as well as paid time off (PTO), paid holidays, a 401(k) plan with company match after one year, regular bonuses, and short and long-term disability. If this sounds like the right opportunity in the financial services industry for you, apply today! As a Consumer Loan Specialist, you will be a key team member in the branch. Your primary responsibility is to ensure a positive total customer experience while originating consumer loans, completing loan applications, developing strong customer relationships and meeting sales goals. The successful candidate will posses a professional demeanor, outgoing/positive attitude, reliability, and excellent oral and written communication skills. ABOUT REPUBLIC FINANCE We have helped our customers meet their personal finance goals for more than 70 years by providing a variety of consumer loans, flexible lending options, and incomparable customer service. We are proud to serve over 300,000 customers in more than 250 communities throughout the US, and we continue to expand into new states each year! Our Core Values are at the heart of everything we do with a focus on Our Team, Our Customers, and Our Performance. With a commitment to our customers, we identify lending options that fit each of their unique needs. Not only are we dedicated to serving our customers, but we are also dedicated to giving back to our communities. Company-wide, we participate in various philanthropic efforts such as volunteer opportunities, food drives and back to school drives as well as an annual fund raiser for St. Jude Children's Research Hospital. Our growing company offers a bright future for our employees. We work to provide a clear career path and many growth opportunities for all of our team members. Our supportive culture is one where we all work together to continuously improve and reach our goals. We show our appreciation for our employees by offering great benefits and competitive pay and by rewarding performance. Job responsibilities are as follows: * Actively seeks opportunities to originate new loan business with new and existing customers. * Evaluates customer needs to recommend the best consumer loan and voluntary product solutions. * Completes loan applications, proposals and offers for new borrowers and follows up with pending applicants. * Assists potential borrowers by explaining the loan process, answering questions regarding loan products and loan processing. * Takes ownership of customer concerns and works with management to formulate and execute strategies for potential problem loans. * Closes loans, assembles loan folders, and breaks down files as well as other miscellaneous tasks. * Consistently meets or exceeds loan goals. * Responsible for day-to-day servicing of an ever-growing, complex consumer loan portfolio. * Applies analytical skills to quickly and efficiently resolve any customer issues. * Processes insurance claims, follow-ups and payments daily and maintains insurance log. * Provides excellent customer care through daily transactions, customer inquiries and problem resolution. * Answers incoming phone calls; checks branch's voicemail. * Effectively builds trust with customers and internal staff by embodying and demonstrating the philosophy of the organization, including core values, company policies, operational procedures and compliance. Requirements * High school diploma or equivalent. * Minimum of 1 year of sales experience (i.e., retail sales, goal-oriented or incentive based). * Professional demeanor, positive attitude, strong communication and customer relations skills are a must. * Ability to work in a high-performing, fast-paced, goal-oriented, team environment. * Ability to successfully navigate priorities while paying close attention to details. * Basic computer skills and familiarity with Windows & Microsoft Office. * Ability to meet our acceptable standards for criminal background history, credit history and pass a pre-employment drug screen. * Ability to meet the eligibility requirements for insurance licensing in order to sell voluntary insurance products. Eligibility is based on a criminal background check conducted by the state's department of insurance. Benefits We offer a competitive compensation and benefits package including: * Health, Dental, & Vision Insurance * 15 days of Paid Time Off (PTO) to start + 1 additional personal day * 401k + employer match * Company provided Life Insurance & Long Term Disability * Employee Assistance Program - Confidential mental health support Additional benefits with Republic Finance include: * Access to LinkedIn Learning's library of 10,000+ professional development courses * Employee of the Month Program * Philanthropic support for multiple charities including an annual drive for St. Jude Children's Research Hospital * Professional offices with a friendly team environment * Monthly incentive bonus pay * Internal promotions Republic Finance, LLC is an Equal Opportunity Employer and does not discriminate on the basis of race, sex, color, religion, national origin, age disability or veteran status in employment opportunities and benefits. Republic Finance, LLC maintains a Drug-Free Workplace.

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!

Thank you for your interest in a career at Regions. At Regions, we believe associates deserve more than just a job. We believe in offering performance-driven individuals a place where they can build a career --- a place to expect more opportunities. If you are focused on results, dedicated to quality, strength and integrity, and possess the drive to succeed, then we are your employer of choice. Regions is dedicated to taking appropriate steps to safeguard and protect private and personally identifiable information you submit. The information that you submit will be collected and reviewed by associates, consultants, and vendors of Regions in order to evaluate your qualifications and experience for job opportunities and will not be used for marketing purposes, sold, or shared outside of Regions unless required by law. Such information will be stored in accordance with regulatory requirements and in conjunction with Regions' Retention Schedule for a minimum of three years. You may review, modify, or update your information by visiting and logging into the careers section of the system. Job Description: At Regions, the Loan Servicing Specialist performs a variety of operational tasks within Loan Servicing which may include special servicing, loan workout, investor relations, and loan operations. Primary Responsibilities Receives and reviews incoming work, contacting appropriate resources as needed Reviews loan documentation for accuracy Completes validation of loan documentation, reports, and/or systems Documents missing, incorrect, or incomplete documents and/or data Performs data entry and/or enters loans into the appropriate systems Resolves customer or associate inquiries as necessary and communicates when applicable Prepares, edits, distributes, and/or corrects documents/reports Researches and resolves loan related issues which may include missing payments, disputed accounts history requests and general loan related questions Works under general supervision following established guidelines and procedures This position requires the tracking of time and is eligible for overtime for hours worked in excess of 40 per week under the Fair Labor Standards Act. Requirements High School Diploma or GED Applicants will be expected to pass any assessment associated with the position Preferences One (1) year of banking or related work experience Skills and Competencies Data entry and typing skills Proficient in Microsoft Excel and Word Strong time management Strong written and verbal communication skills Onsite expectations of Monday-Thursday with every Friday worked from home. This position may be filled at a higher level based on candidates relevant skills and experience. Position Type Full time Compensation Details Pay ranges are job specific and are provided as a point-of-market reference for compensation decisions. Other factors which directly impact pay for individual associates include: experience, skills, knowledge, contribution, job location and, most importantly, performance in the job role. As these factors vary by individuals, pay will also vary among individual associates within the same job. The target information listed below is based on the Metropolitan Statistical Area Market Range for where the position is located and level of the position. Job Range Target: Minimum: $37,750.00 USD Median: $44,940.00 USD Incentive Pay Plans: This job is not incentive eligible. Benefits Information Regions offers a benefits package that is flexible, comprehensive and recognizes that "one size does not fit all" for benefits-eligible associates. Listed below is a synopsis of the benefits offered by Regions for informational purposes, which is not intended to be a complete summary of plan terms and conditions. Paid Vacation/Sick Time 401K with Company Match Medical, Dental and Vision Benefits Disability Benefits Health Savings Account Flexible Spending Account Life Insurance Parental Leave Employee Assistance Program Associate Volunteer Program Please note, benefits and plans may be changed, amended, or terminated with respect to all or any class of associate at any time. To learn more about Regions' benefits, please click or copy the link below to your browser. ************************************************************* Location DetailsRiverchase Complex North BuildingLocation:Hoover, Alabama Equal Opportunity Employer/including Disabled/Veterans Job applications at Regions are accepted electronically through our career site for a minimum of five business days from the date of posting. Job postings for higher-volume positions may remain active for longer than the minimum period due to business need and may be closed at any time thereafter at the discretion of the company.

Loan Officer I Department Loan Department Reports To Senior Lender Officer/Non-Officer VP, AVP or AC Officer FLSA Category Exempt Employee Work Location Retail Lending Responsibilities & Duties Purpose of Position Loan Officer I are entry-level lenders responsible for maintaining and/or generating a loan portfolio including Consumer loans and loan renewals as assigned by Senior Lender. This position is responsible for soliciting, negotiating, documenting, underwriting and coordinating the closing of loans in compliance with the Bank's lending policies and procedures. Lender positions are based on productions and evaluated in relation to loan projection goals. Lenders are to develop and maintain professional relationships with customers, promote business growth of the bank's products and services. [NEEDS QUANTIFIABLE MATRIX FOR EVALUATION- PORTFOLIO PROJECTION] Duties and Responsibilities Exemplar of superior customer service with appropriate communication between both customers and employees. Serve as mentor to other Lender I employees as requested by Senior Lender. Perform full range of duties pertaining to Consumer lending functions. Lenders solicit, negotiate, underwrite, and coordinate the closing of major and complex consumer, residential, equipment, commercial building and business loans in compliance with the Bank's lending policies and procedures. Develops deposit relationships and promotes business for the bank by maintain good customer relations and referrals for new bank services. Diligently seek and obtain quality new business through client and prospect calls, referrals, and cross selling efforts. Accepts applications, assists with interviews of prospective applicants, requests specified information related to loan inquiry and assists to resolve questions regarding application information. Gathers, analyzes, and organizes all information necessary to present a financial request to Senior Management or Loan Committee for approval, meets with existing or potential customers, visits sites of loans, negotiates loan terms and conditions, approves loans within established lending limits or refers and recommends acceptance to Senior Lender or Loan Committee. Coordinates the processing of approved loans, ensures loans are processed according to agreement, customer needs and comply with lending procedures, obtain sufficient information and/or documentation from customers, solves problems related to processing and servicing loans in portfolio, and approves loan disbursements in accordance with agreement. Ensures that credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning is achieved. Approves loan payments, draws form lines of credit, and fund transfers within specified limits. Negotiates, underwrites and processes renewals of credit facilities. Participates with Senior Management in developing, analyzing and finalizing major and complex loan agreements. Represent the Bank in various Business Development, Civic, Community Engagement, and Community Reinvestment (CRA) activities, events or endeavors. Further enhance the Bank's image, develop additional business, and assist in establishing and maintaining market position in the financial arena. Cross sells the products and services of the Bank. Qualifications Minimum Education Requirements Bachelor's degree in a business-related field, (preferably accounting or finance) or equivalent work experience. Minimum Experience & Skill Requirements Experience in servicing consumer, commercial and mortgage loan review with increased responsibilities for profitably in loan concentration. Strong financial services (preferably Banking) background and working knowledge of industry, including good understanding of credit analysis, financial statements, lending practices and operations processes. Effective communicator both in written and oral communication. Balanced decision-maker; strategic thinker; demonstrate understanding and appreciation for all facets of the business (both business development and operational/staff functions). Track record of leading and motivating people particularly achieving loan and deposit growth targets. Ability to meet deadlines and sales goals. Additional Information Disclosure This position description is subject to change at the discretion of the needs of the bank and does not create a contract, implied or otherwise; this position is an “at will” employment position. This position description in no way confines these functions to be the only task, responsibilities or duties of this position. Employees have the responsibility to safe guard information, maintain confidentiality and engage in safe and sound banking practices, inside and outside the bank. Last Revision Date 03/23/2023 Support Any questions, please contact: Human Resources **************

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.

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 PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. We work together each day to foster an inclusive workplace culture where all of our employees feel respected, valued and have an opportunity to contribute to the company's success. As an Loan Support Consultant - Special Loan Servicing within PNC's Midland organization, you will be based remotely within the PNC Midland footprint. PNC provides a best in class office environment; and also supports remote and hybrid work environments. As an Loan Support Consultant within Special Loan Servicing, you serve as the primary liaison for coordinating requests from external parties regarding defaulted loans. Your responsibilities include reviewing and processing complex Commercial Real Estate (CRE) servicing requests-such as payments, disbursements, and other related activities-while ensuring full compliance with regulatory requirements. You play a critical role in mitigating risk, resolving payment discrepancies, and addressing various loan servicing inquiries. Additionally, you maintain accurate loan records, execute loan maintenance transactions, and contribute to the preparation of management reports. Your role also involves supporting special projects focused on process improvement and enhancing departmental efficiency. Qualifications: * BS in Business, Finance, Real Estate or a related field and or equivalent experience. * 2+ years of related commercial loan servicing experience preferred. * Strong interpersonal skills and collaboration skills with a focus on customer service. * Ability to efficiently utilize commercial loan processing systems. * Ability to multi-task and work independently in a fast-paced work environment. * Experience with PNC Commercial Real Estate Loan Processing Systems is a plus. PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position. Job Description * Applies advanced specialty product knowledge to the day-to-day servicing of a portfolio of commercial real estate loans with high complexity or elevated borrower relationships to include increased communication and automony. * Supports the day-to-day servicing of a portfolio of commercial real estate loans, ensuring compliance with loan document, accurate processing of transactions and timely reporting to stakeholders. These commercial real estate loans include CMBS, balance sheet and agency loans. Will be required to analyze and interpret complex loan agreements to accurately apply loan terms in loan servicing activities. •All servicing activities must be carried out in compliance with servicing agreements, loan documentation, internal policies and procedures, and applicable laws and regulations. Resolves non-compliant issues through written and verbal communication with both internal and external parties. * May review and process loan payments, escrows and reserve account disbursements. May assist in the preparation of periodic reporting including investor, internal and regulatory reports. May perform covenant compliance testing. Must maintain accurate and up-to-date loan servicing records in the servicing system. May support the onboarding of new loans and the transition of paid-off or transferred loans. May support tax and insurance administration. May perform collection activities on delinquent accounts. May have funds disbursement authority. * Reviews reports to identify exceptions, ensure quality and contribute to risk mitigation efforts. May serve as a subject matter expert, an initial point of esclation, and/or may provide specialty product training. May perform one or more work processes. PNC Employees take pride in our reputation and to continue building upon that we expect our employees to be: * Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions. * Managing Risk - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework. Qualifications Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role. Listed below are skills, competencies, work experience, education, and required certifications/licensures needed to be successful in this position. Competencies Consulting, Customer Interaction, Decision Making and Critical Thinking, Effective Communications, Financial Analysis, Managing Multiple Priorities, Negotiating, Operational Functions, Products and Services, Relationship Management Work Experience Roles at this level typically require a university / college degree, with 2+ years of relevant professional experience. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered. Education Bachelors Certifications No Required Certification(s) Licenses No Required License(s) Benefits PNC offers a comprehensive range of benefits to help meet your needs now and in the future. Depending on your eligibility, options for full-time employees include: medical/prescription drug coverage (with a Health Savings Account feature), dental and vision options; employee and spouse/child life insurance; short and long-term disability protection; 401(k) with PNC match, pension and stock purchase plans; dependent care reimbursement account; back-up child/elder care; adoption, surrogacy, and doula reimbursement; educational assistance, including select programs fully paid; a robust wellness program with financial incentives. In addition, PNC generally provides the following paid time off, depending on your eligibility: maternity and/or parental leave; up to 11 paid holidays each year; 9 occasional absence days each year, unless otherwise required by law; between 15 to 25 vacation days each year, depending on career level; and years of service. To learn more about these and other programs, including benefits for full time and part-time employees, visit Your PNC Total Rewards. Disability Accommodations Statement If an accommodation is required to participate in the application process, please contact us via email at AccommodationRequest@pnc.com. Please include "accommodation request" in the subject line title and be sure to include your name, the job ID, and your preferred method of contact in the body of the email. Emails not related to accommodation requests will not receive responses. Applicants may also call ************ and say "Workday" for accommodation assistance. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations. At PNC we foster an inclusive and accessible workplace. We provide reasonable accommodations to employment applicants and qualified individuals with a disability who need an accommodation to perform the essential functions of their positions. Equal Employment Opportunity (EEO) PNC provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law. This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA) and, for any registered role, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) and/or the Financial Industry Regulatory Authority (FINRA), which prohibit the hiring of individuals with certain criminal history. California Residents Refer to the California Consumer Privacy Act Privacy Notice to gain understanding of how PNC may use or disclose your personal information in our hiring practices.

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

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 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