Careers

Position Description

The primary purpose of the position is processing residential mortgage and consumer loans. The Mortgage Processor / Underwriter I will process mortgage files from application to close, ensuring compliance with appropriate Bank and secondary market investor standards.

Position Summary

This position will understand the mortgage process, handle several loans in varying degrees, with the ability to work independently and as a team, to meet Bank and Mortgage goals and deadlines. This position will have the knowledge of and ability to order required documents and verifications, basic understanding of how to review credit reports and have proficiency with appropriate computer software for work processes.

Duties/Responsibilities

• Perform administrative duties of real estate mortgage loans within the guidelines of secondary market and regulatory compliance standards, and Bank Policy
• Facilitate quality control audits
• Process various mortgage related loan applications, such as home equity, VA, RD, MSHDA, conventional, construction, consumer and/or commercial property purchases, for closing
• Manage loan lifecycle, ensuring files are complete, organized and processed for servicing.
• Sell loans on secondary market.
• Monitor centralized mortgage email account, as needed.
• Assist internal and external customers with mortgage loan payoff information and other account inquiries as appropriate.
• Gather and review appraisals, employment and income verifications, flood and hazard insurance, condo questionnaires and other documents for completeness and accuracy, prior to loan closings.
• Reviews and assembles accurate loan information in a timely manner to obtain applicable loan approvals.
• Communicate with Mortgage Originators to resolve problems or questions regarding application information.
• Knowledge of Freddie Mac, Fannie Mae, and portfolio loan guidelines for automated underwriting software.
• Prepare and distribute mortgage disclosures.
• Input all consumer loans into the mortgage origination system.
• Complete Condo Questionnaires.
• Prepare closing package and send to title company – Approve closing disclosures.
• Complete decline and incomplete files • Conduct HMDA and Post Close Loan reviews.
• Perform other duties, as assigned.
• Follow all 1st State Bank policies, procedures, compliance, and security practices.

Required Skills/Abilities

• In-depth knowledge and understanding of Microsoft Word and Excel
• Ability to maintain accuracy in a fast-paced environment.
• Capacity to adhere to all regulatory and compliance requirements.
• Ability to work under deadlines.
• Displays organizational and time management abilities.
• Good verbal and written communication skills.
• Demonstrates good judgement, effective decision making and problem-solving skills.

Qualifications

• High School diploma (required)
• Associates degree in business (preferred)
• Minimum of two years’ work experience in mortgage processing / underwriting

Position Description

The primary purpose of the positions within the Personal Banker Job Family is
to contribute to the overall success of 1st State Bank by delivering exceptional customer service.
These positions are the face of 1st State Bank and will ensure the care of our customers is the top
priority in each interaction. Personal Bankers grow to be knowledgeable and have a deep
understanding of both business and personal accounts and services, in order to provide real advice
and solutions, tailored to the customer’s individual needs.

Position Summary

This position will establish a basic knowledge and understanding of both
business and personal accounts and services, with little to no experience previous, while
continuing to develop in the Personal Banker role. As Personal Banker I, this position will possess
strong customer service skills. Process transactions in Integrated Teller. Count and balance a cash
drawer. Learn SCO to process proof. Work closely with customers to resolve issues and deepen
relationships.

Duties/Responsibilities

• Complete customer transactions accurately
• Maintains and balances a cash drawer
• Assists with, and simplifies problem resolution
• Assists with branch operational activities and responsibilities
• Actively works to retain and deepen existing customer relationships by understanding their real
  needs and providing real solutions
• Contact customers in various ways, including telephone, email, and in-person visits, for
  follow-up and for pursuing new opportunities
• Completes scheduled training and reviews updates to stay current with policies, procedures,
  compliance and industry changes
• Processes proof work through back counter capture software
• Understand electronic banking options and assist customers with online banking, bill pay, and
  mobile banking
• Identifies and refers business opportunities to business lenders, cash management, mortgage
  lenders, and public funds
• Supports a friendly and inviting atmosphere at the branch for fellow employees and
  customers
• Facilitate the cleaning needs of the branch location, providing a safe and sanitary environment
  for employees and customers. Tasks will include, but not limited to the basic cleaning of
  vacuuming, mopping, dusting, disinfecting, bathrooms, etc.
• Performs other duties as assigned.
• Follow 1ˢᵗ State Bank policies, procedures, compliance, and security practices
  consistently

Required Skills/Abilities

• Strong customer service orientation
• Excellent written and oral communication skills
• Strong attention to detail
• Must be a team player, willing to help out where ever there is a need
• Demonstrated analytical and problem-solving skills
• Ability to think creatively about business challenges and demonstrate initiative
• Ability to maintain confidentiality
• Time management skills, able to prioritize tasks and multi-task successfully
• Proficient with Microsoft Excel, Word and Power Point.

Qualifications

• Bachelor’s Degree (preferred)
• High School or GED (required)