Mortgage Processor

Position Summary:

Works closely with loan officers, customers, and underwriters to process mortgage loans, with a heavy focus in the construction loan process.

Job Responsibilities:

·       Review project data and loan application for accuracy and completeness

·       Monitor and order documents such as credit reports, verifications, appraisals, final inspections, title work, mortgage insurance, loan reports, and flood determinations

·       Serve as liaison between underwriter, loan officer, Title company, borrowing, and closer

·       Maintain an open line of communication with loan officers

·       Review assembled credit package for submission to underwriter

·       Review conditions, approve or make corrections

·       Provide support to other areas of the department as needed

·       Act as Loan Officer for Builder Construction Loans

·       Collect and review all necessary documentation for Builder Construction Loans

·       Generate disclosures to include any additional disclosures

·       Prepare and review closing documents, ensuring accuracy, compliance with regulatory requirements, and alignment with loan terms

·       Coordinate closing schedules with borrowers, lenders, title companies, and attorneys

·       Ensure all documents meet state and federal regulations and company policy

·       Calculate final closing costs and manage accurate, timely disbursement of funds

·       Enter accurate loan data into the Loan Origination System (LOS)

·       Resolve any discrepancies or issues within loan documents

·       Book closed loan on bank system to include electronic document storage

·       Complete draw requests/disbursements to Builders while communicating with borrower for necessary draw approvals

·       Assist customers and/or branch personnel as needed with questions pertaining to loan information

·       Consistently support the Bank and its core values

·       Follow all policies and procedures

·       Additional duties may be assigned by supervisor

Requirements:

·       High school diploma or equivalent

·       5 years experience in Mortgage Lending, processing experience highly preferred

·       Banking experience preferred

·       Construction lending experience highly preferred

·       Experience in Calyx Point, DocMagic, and Laser Pro

·       Experience in HorizonXE is preferred

·       Knowledge of the surrounding real estate market

·       Understanding of Federal and State mortgage regulations

·       Knowledge of mortgage processes and procedures

·       Knowledge of banking procedures and regulations

·       Detail oriented

·       Proficient operation of Microsoft Office software including Word and Excel

·       Ability to work independently while having a strong commitment to team orientation

·       Exceptional verbal, written, and interpersonal communication skills

·       Ability to work well under pressure, manage time, and multitask

·       Excellent organizational, critical thinking, and decision-making skills

·       Must be self-motivated

·       Ability to comprehend new training, and adapt to changes in regulations, policies, and procedures

Benefits:

·       Medical, Dental, and Vision Insurance

·       Company Provided Life and Disability Insurance

·       Paid Time Off

·       401(k) with Employer Match

·       Tuition and Professional Development Assistance

American Bank is built on a commitment to treating both our customers and employees like family, and we take pride in being a true community bank. As a locally focused institution, we are deeply invested in the communities we serve—supporting local businesses, building lasting relationships, and contributing to the growth and well-being of our neighbors. Our decisions are guided by a personal understanding of our customers’ needs and a genuine desire to make a positive, local impact.

We value dedication and innovation, fostering an environment where every employee understands their importance and shares in the success of the organization. At American Bank, you’ll have the opportunity to grow your career while enjoying a supportive, team-oriented workplace, competitive compensation and benefits, and the chance to make a meaningful difference in the communities we call home.

American Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, pregnancy, genetic information, disability, protected veteran status, or any other protected category under applicable law.