Remote Mortgage Loan Processor

We are a strong, locally focused community bank with deep roots in the Aiken and Augusta markets. Our mortgage team plays a critical role in building relationships, supporting homeownership, and delivering exceptional service to our customers, referral partners, and communities.

Position Overview The Mortgage Loan Processor is responsible for managing residential mortgage loans from application through underwriting and into closing, ensuring accuracy, completeness, and compliance with bank policies and investor guidelines. This position requires strong customer service, analytical skills, organization, and the ability to work in a fast-paced lending environment.

While prior mortgage processing experience is preferred, hands-on training will be provided for the right candidate who demonstrates aptitude, work ethic, and a willingness to learn. This is an in-person position with future remote flexibility.

Someone who enjoys learning loan programs and guidelines (FHA, VA, USDA, SC State Housing, Conventional, Portfolio)

Strong communicator who can work confidently with borrowers, loan officers, attorneys, and realtors

Someone ready to be challenged and grow within the mortgage industry

Requirements Essential Duties & Responsibilities Set up and process residential mortgage loan files in accordance with bank policies, procedures, and investor guidelines

Enter and maintain accurate loan data in the mortgage loan origination system (Encompass), ensuring a complete and organized paperless file

Order and review third-party services including credit reports, appraisals, flood certifications, insurance, verifications, and other required documentation

Analyze borrower credit, income, assets, employment stability, and property documentation to support loan eligibility and repayability

Maintain consistent communication with loan officers regarding loan status, conditions, and timelines

Ensure accurate data entry for HMDA reporting

Participate in ongoing training to stay current on bank policies, investor guidelines, and program updates

Comply with all Bank Secrecy Act (BSA) policies and procedures

Education & Experience Mortgage processing experience preferred

Banking or mortgage lending experience strongly preferred

Strong customer service and communication skills (written and verbal)

Proficient with standard office equipment and basic PC applications

Language, Math & Reasoning Skills Ability to interpret professional and regulatory documents

NMLS registration (or ability to obtain, if applicable)

Physical & Work Environment Primarily office-based with moderate noise level

In-person role with future remote flexibility for the right candidate

Opportunity to grow within a respected community bank

Supportive, experienced mortgage team

A role where quality, knowledge, and service matter

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