Mortgage Processor/Closer presso First Bank and Trust

First Bank and Trust is hiring a Mortgage Loan Processor/Closer to work in Christiansburg, VA. The Mortgage Loan Processor/Closer will work closely with the Mortgage Bankers to ensure all the necessary information is obtained and documented. This individual will provide administrative support as well as provide superior customer service to current and prospective customers of First Bank and Trust Company. This individual will greet and assist customers at the branch and process the applicable loan documents as instructed by the Mortgage Banker.

The Mortgage Loan Processor/Closer will be responsible for obtaining the required information from attorneys, settlement agents, and Mortgage Bankers. The Mortgage Loan Processor/Closer must ensure compliance with FANNIE/FHLMC and government loan guidelines. 

If you would like to learn more about this position and career opportunities, then go to www.firstbank.com  - Our Company - Careers. 

ESSENTIAL DUTIES AND RESPONSIBILITIES: 

• Primary contact for attorneys and settlement agents for processing mortgage loans.  
• Prepares correspondence, organizes and maintains files, and provides administrative support to include filing and/or scanning of mortgage loan documents.  
• Assist mortgage bankers in preparing loan packages and loan commitment letters.
• Obtain credit reports and order appraisals.
• Provides ongoing communication with clients to ensure the loan process runs smoothly.
• Logs and reviews declined and withdrawn loan files.
• Completes the applicable mortgage loan processing checklist
• Interview customers to obtain credit and financial information.
• Prepares early and final disclosures.
• Process paid off loans.
• Responsible for mortgage loan exception tracking and clearing exceptions with the mortgage banker. 
• Review and verify for accuracy insurance policies, loan payments and other loan documents. 
• Review and clear outstanding mortgage loan conditions to meet underwriting and investor requirements. 
• Send wire transfer requests to Wire Department
• Quote and process mortgage loan payoffs
• Prepare Subordination and Modification Agreements
• Upload loans onto bank system
• Cross-train with processor on processing conventional and government loans when time permits
• Other duties as assigned by supervisor
• Cross sells bank products and services

BENEFITS:

• PTO Leave is 20 days per year earned on a monthly basis.
• First Bank and Trust recognizes11 paid holidays, when the holidays occur during the work week.
• Medical, Dental and Vision Insurance starts the 1st day of the month after hire date.
• Employees are automatically enrolled in the bank's 401K/ESOP Plan.  
• First Bank and Trust provides basic life insurance coverage equal to two times an employees' base salary.
• First Bank and Trust provides long-term disability insurance coverage.  

 MINIMUM EDUCATION AND EXPERIENCE: 

• Associate’s degree - Accounting, Business and/or Finance - Required 
• Work Experience may be considered in lieu of an associate’s degree  
• Five or more years of related banking experience

 MINIMUM SKILLS AND ABILITIES: 

• Excellent communication skills, both written and verbal. 
• Working knowledge of Word and Excel
• Strong financial/accounting background skills.
• Math and analytical skills.
• Self-Motivated

 The First Bank and Trust Company five core values are (1) High Quality Customer Service (2) Motivated Employees (3) Profits (4) Honesty and (5) Enjoyment    

First Bank and Trust Company is an Equal Opportunity Employer                       EOE/AA/M/F/Disabled/Veteran