Mortgage Loan Processor

Mortgage Loan Processor

Job ID 2026-15430 Job Locations US-GA-Atlanta | US-SC-Mount Pleasant | US-FL-Tampa

Overview

The Mortgage Loan Processor is a senior clerical position in the Mortgage Division. This position will be responsible for gathering financial data and credit information used in the credit decision process. This position will also be responsible for preparing loan documents for underwriting; monitoring and following strict deadlines; handling confidential information; and preparing all entries to book loans. This position will ensure that each loan file is prepared and ready for loan closing.

RENASANT BANK IS AN EQUAL OPPORTUNITY EMPLOYER

Responsibilities

Process files from opening through closing of each loan. Take ownership of loan files once received from mortgage loan officer. Be primary contact for all parties involved in the process of the mortgage loan
• Assemble all loan documents necessary to meet the underwriting guidelines for the particular loan program in process. Obtain the necessary documents from the customer to meet Automated Underwriting System findings
• Review all documents for accuracy and completeness and determine the documentation necessary to be included in mortgage loan file
• Check Vendor screen for completeness
• Analyze borrower(s) Federal Tax returns (if applicable) to determine qualifying income. Complete FNMA Form 1084 Self Employed Cash Flow Analysis for loan files with tax returns
• If responsible for ordering appraisals-title and hazard insurance, track the order and status of ordered appraisals-title and hazard insurance
• Maintain compliance of Good Faith Estimate, Truth-in-Lending, and all other Real Estate Settlement Procedures Act (RESPA) disclosures
• Review documentation for completeness and accuracy, ensuring compliance with initial truth-in-lending guidelines. Notify Mortgage Banker of changes to loan file needing Changed Circumstance and re-disclosure
• Responsible for conferring with borrowers concerning questions, procedures, necessary information and forms completion, and loan status
• Communicate, in writing and verbally, with various parties to the mortgage loan process
• Perform other related duties as assigned

Qualifications

• High school diploma or equivalent required
• Minimum of 2 years job related experience
• Ability to operate a personal computer using Microsoft Word and Excel
• Working knowledge of loan documentation and bank terminology
• Basic knowledge of Accounting
• Ability to deal tactfully and effectively with customers as well as fellow employees
• Knowledge of all necessary computer applications

Physical Demands

The physical demands described 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. While performing the duties of this job, the employee is frequently required to stand or sit; kneel, stoop, or squat; use hands or fingers to handle or feel objects, tools or controls; reach with hands and arms, and talk or hear. The employee is occasionally required to walk. The employee must occasionally lift and /or move up to 25 pounds. Specific vision abilities required by this job include close vision, peripheral vision, depth perception and the ability to focus.

Work Environment

The Bank's professional working environment requires employees to communicate effectively, both verbally and in writing. Employees must demonstrate strong interpersonal skills when working closely with internal business partners and external clients. Employees may be exposed to confidential and propriety information within the working environment, therefore, must uphold confidentiality at all times. Due to the possibility of being exposed to high risk situations (i.e. robbery), detailed instructions and procedures are required to be followed at all times to safeguard the Bank's employees, customers, and assets.

The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. The principal duties and responsibilities enumerated are all essential job functions except for those that begin with the word "May".

This job description is intended to describe the normal level of work required by the person performing the work. The principle duties outlined are the essential responsibilities and duties. Other duties may be assigned as needs arise. Job requirements and/or processes may be modified to reasonably accommodate persons with a disability as required by law.

This description is not intended as a contract and is subject to change. Any written contractual agreements supersede this job description.