Job Description

Location: The Villages, FL

JOB SUMMARY:

As a Mortgage Processor, you'll play a vital role in guiding residential loans from application to closing while helping customers throughout The Villages achieve their homeownership goals. Working closely with borrowers, Loan Officers, underwriters, and third-party partners, you'll ensure every loan file is accurate, complete, and moving forward efficiently. This position is ideal for someone who thrives on organization, enjoys building relationships, and takes pride in delivering an exceptional customer experience.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Process residential mortgage loan files from submission through clear to close, including conventional, government (FHA/VA), and specialty products as applicable.
• Review loan applications and supporting documentation for completeness, accuracy, and consistency.
• Order, obtain, and review third party documentation including credit reports, AUS findings, verifications, appraisals, title, and insurance.
• Analyze income, assets, credit, and liabilities to ensure documentation supports Automated Underwriting System (DU/LP) findings and program guidelines.
• Prepare and submit complete, well documented loan files to underwriting for initial and final approval.
• Track, obtain, and clear all underwriting conditions in a timely manner.
• Maintain ongoing communication with borrowers, Loan Officers, underwriters, real estate agents, closing agents, and service providers regarding loan status, outstanding items, and next steps.
• Respond promptly and accurately to inquiries, always ensuring clarity and professionalism.
• Serve as an advocate for the borrower experience while maintaining adherence to policy and regulatory standards.
• Meet regularly with assigned Loan Officers to review pipeline status, priorities, and deadlines.
• Review loan approval notifications to confirm accuracy of closing conditions and requirements.
• Coordinate with closing agents to obtain and review title commitments, closing protection letters, final inspections, insurance documents, and other closing requirements.
• Ensure all conditions are satisfied and documented prior to issuing Clear to Close.
• Update and maintain detailed, accurate notes and milestones in the Loan Origination System (LOS).
• Notify appropriate stakeholders when files are cleared and ready for closing.
• Ensure loan files comply with federal and state regulations, investor requirements, and internal policies, including Fair Housing Act, ECOA, and applicable disclosure requirements.
• Monitor and support timely issuance of redisclosures when changes occur.
• Adhere to BSA/AML requirements, including Customer Identification Program (CIP) and due diligence standards.
• Assist with audit preparation, respond to audit findings, and support corrective actions as needed.
• Maintain organized electronic loan files using established document naming and indexing standards.
• Complete required training and continuing education to stay current on products, guidelines, systems, and regulations.
• Perform additional duties as assigned by management.
• Adheres to Seacoast Bank’s Code of Conduct.

EDUCATION and/or EXPERIENCE:

• High School diploma or equivalent required.
• 2–4-year college degree preferred.
• Two years’ experience in administrative, government loan processing preferred.
• Minimum of one year’s experience in conventional loan processing preferred.
• Demonstrate excellent communication (written and verbal) and interpersonal skills.
• Able to work independently and exercise a high degree of initiative.
• PC Proficiency in Desktop, Laptop, Tablet, and Smartphone devices as well as Microsoft Office Suite software.

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The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of responsibilities, duties, and skills. Because these statements are general, the job description is used for a variety of purposes including job evaluations; performance reviews; recruitment; etc. All Associates are required to adhere to the highest legal and ethical standards applicable to our industry. It is the policy of Seacoast Bank that all Associates will be familiar and compliant with all regulatory, legal, ethical and Bank risk mitigation requirements pertaining to both our industry and their individual roles. This includes the on time, successful completion of annual required training post-hire and effective execution of role responsibilities.