Mortgage Loan Processor-Orlando/Central Florida

This position is responsible for, but not limited to, entering residential loan data into the bank's computer system with appropriate updating, and assembles and verifies loan documents for accuracy.

This position is expected to perform the specific duties, tasks, and responsibilities as outlined below:

• Provides administrative assistance to the residential Loan Officer and staff, including updating loan data for entry into the bank's computers and assembling documentation for residential loans.
• Ensures that residential loan files contain documents with proper signatures, dates and other relevant data.
• Assembles and verifies accuracy of residential loan documentation.
• Organizes documents in the efolder and removes unnecessary items and places in the recycle bin.
• Schedules weekly meetings with loan officers.
• Meets Life of Loan turn time expectations; submits to underwriting within 5 business days of receipt, reviews conditions within 24 hours and submits within 48 if possible, submits appraisal for underwriting approval within 24 hours of receipt.
• Runs automated underwriting (when applicable) prior to initial and final loan submission.
• Reviews items completed by loan boarding within 24 hours of loan receipt to ensure orders where placed correctly (TRVs not rejected, title ordered, appraisal ordered, VOEs ordered, etc.)
• Answers telephone and written inquiries concerning loan processing and information.
• Proactively communicates with third parties to the transaction in a professional manner. To include realtors, builders, sellers and title agents.
• Contacts borrowers based on the below expectations:
• Welcome Call with-in 24 hours of file receipt
• Follow up E-mail- within 48 hours of receipt of the loan from loan boarding
• Submitting to Underwriting E-mail- within 5 days of receipt of the loan from loan boarding
• Conditional Approval call/e-mail- within 24 hours of receipt of the loan from underwriting
• Submitted for final approval- within 48 hours of receipt of the loan from underwriting and no later than 4 days prior to closing
• Final Approval E-mail- 24+ hours prior to closing
• CD review E-mail- 24+ hours prior to closing (The LO can do this if they prefer)
• Places each e-mail and call that is part of the Points of Contact into the Conversation Log.
• Resubmits suspended files within 7 business days of suspension.
• Reviews conditions and communicates questions and concerns to the underwriter. Follows the escalation process when disputes arise.
• Communicates conditions to the borrower in easy to understand, non-mortgage verbiage.
• Requests the initial CD when CD checklist items are in the file.
• Reviews pipeline on a daily basis to ensure closing dates are accurate.
• Coordinates closing dates with the borrower, loan officer and closer.
• Reviews the loan amount on refinance loans prior to final submission to ensure the amount is accurate and in line with customer expectations.
• Reviews pipeline for Reg B violations and updates Reg B notes when applicable.
• Works with Quality Control to clear prior to funding and post funding audit conditions.
• Assists post-closing when needed to obtain investor required documentation missing from the loan file.
• Communicates professional and effectively with co-workers during the processing of the file.
• Ensure that the Bank's policies and procedures, code of conduct, and regulatory guidelines are strictly complied with
• Provide assistance to other employees by liaising with them through healthy and positive interactions
• Be involved in performing marketing endeavors/efforts
• Continuously update skills by participating in professional training
• Seek opportunities to improve skills through cross-training offered by the Bank
• All other tasks, responsibilities or duties, as directed by management

• Must have strong communication skills characterized by excellent writing and speaking skills
• Proficient with general office machines and programs to include Microsoft Office Word, Excel, Outlook, and other software that might be utilized in the department
• Ability to use the computer efficiently and the capacity to learn new software programs as they are rolled out by the Bank
• Must have good knowledge of business English, including spelling and punctuation
• Must possess basic English language skills in order to write and speak clearly, and effectively with coworkers and customers
• Must be well-organized, accurate, and attentive to detail
• Must be cooperative and willing to assist coworkers and customers on a regular basis
• Must have effective listening skills demonstrated by the ability to listen to others talk (without interruption), understand them, and then propose solutions or make contributions based on the points made by others
• Must possess excellent multi-tasking skills and be able to function well under pressure
• Must be able to remain composed under pressure and respond to customer and coworker concerns regularly
• Must have a keen eye for detail and follow instructions to the letter
• Must be patient and willing to help others in solving problems while maintaining a positive attitude at all times

• Must be able to remain seated or work standing in a confined area on a computer for a minimum of four (4) hours each work day
• Must be able to constantly use hands and fingers to enter data through or on a computer or answer a phone throughout most of an eight (8) hour shift
• Must be able to walk frequently throughout the day to obtain supplies from other areas in the Bank and to cover for other employees, on break or on lunch
• Must be able to hear and communicate with coworkers and customers throughout the day
• May need to lift up to 25 pounds one to two times a day to perform job

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Position may require regular before/after normal business hours, or regular out-of-town travel.

• Must be able to function in a professional, business office environment and act and dress appropriately for same, consistent with the Bank's grooming and dress codes
• Must demonstrate excellent interpersonal skills with customers and coworkers
• Must be willing to function as a team member
• Must be willing to demonstrate commitment to CenterState Bank's mission and goals

• High school diploma or equivalent
• Six months to one year of experience in an office environment
• Successful completion of in-house training program or approved outside training programs
• Good understanding of the bank's products and services.

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed above are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.