Mortgage Loan Processor, Metro Office
Capital City Bank Group 25 reviews - Tallahassee, FL

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Knowledge, Skills and Abilities (KSAs) Required:
The following KSAs are usually acquired through high school education and two to three years related experience:
•Knowledgeable of FNMA, FHLMC, VA, FHA and Portfolio ARM Guidelines and policies.
•Knowledgeable of automated underwriting systems, preferably Desktop Underwriter and/or Loan Prospector.
•Basic knowledge of common lending programs.
•Proficiency in Microsoft Word and Excel.
•Residential loan experience.
Minimum, high school education. Two to three years residential loan experience. Relevant experience may substitute for the education requirement.

Working Conditions:
Office environment.
•Occasional travel for training purposes.
EOE/ Drug Free
Job Description:
Mortgage Loan Processor-More than your bank. Your banker.

M-F, 40 hours per week

General Summary:
Processes residential conventional and FHA/VA mortgage loans. Enters residential loan data. Assembles and verifies loan documents for

SAFE Act: On July 30, 2008, Title V – The Secure and Fair Enforcement (S.A.F.E.) Mortgage Licensing Act of the Housing and Economic Recovery Act of 2008, was signed into law, requiring all states to have a licensing system in place. Registration by identified associates employed by a bank into the Nationwide Mortgage Licensing System (NMLS) and Registry (“Registry”) is required. MLOs must submit to an employment and criminal questionnaire, followed by successful approval.

The Act is intended to improve the accountability and tracking of loan originators, enhance consumer protection, reduce fraud and provide consumers easily accessible information regarding a loan originator’s background.

Positions were identified by Capital City Bank executives that met the criteria for a MLO. Two criteria are needed to meet the designation of a MLO: (1) taking residential loan applications and (2) offering or negotiating residential mortgage loan terms, both on a more-than-occasional basis. This subjects you to the S.A.F.E. Act, and you are required to register with the Registry. You do not have to be a loan originator or lender to meet this two prong test.

All associates at Capital City Bank have access to confidential client information, and must practice discretion at all times.

Principal Duties and Responsibilities:
Provides administrative assistance to the residential loan officer(s) and staff, including updating loan data for entry into the system and assembling documentation for residential loans.
•Submits loans through automated underwriting systems (Desktop Underwriter and/or Loan Prospector.)
•Sets up new loan files.
•Follows-up on all verifications, appraisals and credit reports. Ensures proper documentation.
•Communicates with closing agents, realtors, appraisers, clients and the credit bureau, to secure or provide information.
•Prepares complete and accurate loan packages for underwriter review and loan approval.
•Ensures that residential loan files contain documents with proper signatures, dates and other relevant data.
•Assembles and verifies accuracy of residential loan documentation.
•Assists in scheduling loan closings.
•Cross-sells bank residential loan products and services, as appropriate.
Associated Duties:
Provides additional support to manager and department colleagues.
Capital City Bank associates are our greatest asset. We offer the following benefits:
Medical, Dental and Vision.
·Life Insurance.
·401(k) with Matching.
·Flexible Spending Accounts.
·Defined Benefit Plan (pension).
·Tuition Assistance.
·Stock Purchase.
·Discounts on Products and Services.
Want to know more about Capital City Bank? Visit us at

About this company
25 reviews
One of the largest publicly traded financial services companies headquartered in Florida, Capital City Bank Group has approximately $2.7...