Capital Bank Mortgage Processor Senior in Fort Myers, FL at First Tennessee Bank

Date Posted: 7/23/2019

Job Snapshot

Job Description

Reviews, analyzes and prepares loan documentation for underwriting and closer. Keep good records of residential loan progress in the loan origination system. Must adhere to required investor, bank and compliance guidelines.

The following statements are intended to describe the general nature and level of work performed; they are not intended to be an exhaustive or exclusive list of the required responsibilities, duties and skills; Management retains the discretion to add to or change the duties and requirements of this position at any time, with or without notice, as business needs dictate.


1. Establishes close working relationships with Capital Bank Loan Officers and Processors. Keeps Loan Officers, customers, and processors informed throughout the loan process.
2. Reviews loan application file to verify application data is complete and meets established standards and regulations including type and amount of mortgage. Copy of Investor guidelines to be printed and placed in all loan files. Effectively uses computer software program tools as is intended.
3. Reviews, with a high level of accuracy, tax returns, income/assets, credit. Prepares file to meet guidelines and automated underwriting documentation. Confirms that all correct calculations are reflected on the loan application and underwriting transmittal. Review appraisal, and update the loan origination system with correct appraised value. Submit loan file to underwriting for initial review. Gather conditions for loan file and submit final loan file to underwriting for clear to close.
4. Efficiently maintains a processing pipeline between 25-35 loans.
5. Keep up to date with all investor and program guidelines. Participates in various training programs provided by the bank and investors.
6. Completes, passes and maintains an up to date status for all positional and company required compliance and regulatory courses by assigned due date(s).
7. Participates in special projects and assignments and performs other duties as assigned.
Requirements 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, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• High School Diploma or GED equivalent
• Minimum 4 years of residential lending experience
• Working knowledge of residential loan operations, systems and documentation
• Basic Accounting and good mathematical skills
• Excellent Verbal and written communication skills
• Ability to effectively multi-task, work well in a fast-paced working environment and meet critical guidelines
• Certifications and Licenses: None


CONTROL RELATED RESPONSIBILITIES: Become knowledgeable regarding the department's internal controls as outlined in the policies and procedures and comply with all control requirements.

COMPLIANCE: Ability to comprehend and adhere to Federal and State banking regulations, including compliance with the Bank’s Bank Secrecy Act/Anti Money Laundering (BSA/AML) program. Follows all Company policies and procedures, and successfully participates in regulatory and Company training requirements via multiple and variable delivery methods.

SAFETY, SECURITY and CONFIDENTIALITY: This position requires keeping complete confidentiality of all customer transactions and information, and paying close attention to security within and around the bank's premises at all times.

The physical demands, travel and work environment described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

PHYSICAL DEMANDS: While performing the duties of this job, the employee is regularly required to use hands to finger, handle or feel; reach with hands and arms; and talk or hear. The employee frequently is required to sit. This position regularly uses a computer (keyboard/mouse/screen) and telephone. The employee is occasionally required to stand; walk; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, and ability to adjust focus.

TRAVEL: Work includes very limited travel throughout the geographic region.

WORK ENVIRONMENT: The work is performed in a normal office environment. The noise level in the work environment is usually low to moderate.
  • All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, gender stereo typing, and age. First Tennessee is an EO employer – M/F/Vets/Disabled.
  • Please view Equal Employment Opportunity Posters provided by OFCCP


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