Security State Bank & Trust ยท 21 hours ago
Mortgage Operations Specialist
Fort Worth,TX,US
Full-time
Onsite
Mid Level
3+ years expSecurity State Bank & Trust is seeking a Mortgage Operations Specialist who will fulfill the roles of a Mortgage Loan Specialist, Closing Coordinator, and Department Support. This position is responsible for delivering quality customer experiences and requires a general knowledge of Mortgage Lending from Application to Funding.
BankingFinancial ServicesSecurity
Responsibilities
Emulate SSB&T Core Values
Reviews and establishes loan e-folder for all required documentation including income, credit report, bank statements, IDs, purchase contract, refi documents, real estate owned documentation, etc
Orders flood certs, tax transcripts, title commitments, tax certificates, appraisal, survey (if needed), insurance policies, payoffs, verifications of employment, verifications of mortgage, credit supplements, FHA/VA case #, etc
Requests any additional documentation needed from borrower, realtor, builder, title company, surveyor, insurance company, credit vendor, etc
Run fraud report, LDP/GSA inquiries, FNMA Desktop Underwriter, FreddieMac Loan Prospector, Mavent, pre-close credit report, etc
Submits complete loan file to underwriting for approval and or conditions
Requests all Conditional Approval conditions for submission to UW for Final Approval
Utilizes Loan Closing Checklist and prepares request for documents
Prepares Changed Circumstance Loan Estimates (COC) for changes in fees that occur during loan processing
Compiles credit file for upload to investor to purchase
Other duties as assigned
Reviews UW approval, fees itemization, invoices and borrower receipts
Confirms loan passes compliance review from Approval to Funding
Submits request for Closing Disclosure and loan documents from fulfillment vendor
Reviews Closing Disclosure for accuracy, updates Encompass accordingly
Sends Initial Closing Disclosure to borrowers in prescribed timeframes and methods
Coordinates closing dates and times with all parties involved in the transaction
Reviews closing document package from fulfillment vendor for accuracy prior to closing
Assists fulfillment vendor & title company with documentation required for loan funding
Prepares Funding Reconciliation for approval
Prepares Wire request for funding and approval
Moves milestone to Funding in Encompass after funding authorization number is received
Assigns executed loan documents to appropriate eFolder buckets in order to be shipped
Compiles documents and builds Horizon package and sends to Loan Operations department to book loan on Horizon system
Assists Secondary Market Specialists with documents requested from investor for loan purchase
Mails Goodbye Letters and insurance change notices for sold loans
Qualification
Required
High School diploma or equivalent
3 years real estate loan experience in a financial institution or title company
Knowledge of real estate loan documents, title documents, insurance policies, tax information, etc
In-depth knowledge of current mortgage lending guidelines as well as state and federal regulations
Exceptional attention to detail and strong organizational skills
Must be able to efficiently multi-task with accuracy
Excellent interpersonal, written and oral communication skills
Computer skills: Microsoft Office products, Outlook and Encompass or similar LOS
Preferred
Associates or Bachelor's Degree
Company
Security State Bank & Trust
Security State Bank & Trust is providing banking services and products available in the Texas Hill country.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
Dan Kemp
Chairman of the Board
Recent News
Morningstar.com
2025-09-15
2025-07-15
2025-07-11
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