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Mortgage Loan Officer - Brentwood/Smyrna/Rutherford County
Our full service residential mortgage department is currently seeking an experienced mortgage loan officer to add to our growing team. Residential Mortgage Loan Originator provides residential mortgage loans to borrowers looking to purchase real estate or refinance an existing mortgage. The MLO is responsible for lead generation as well as working with Bank Officers in managing referrals to the ML and originating quality conventional, FHA, VA and D loans based on secondary market guidelines through existing referral partners as well as generating and developing new prospects through realtors,
builders, attorneys, CPAs and other sources.
Job Type: Full-time
Qualifications:
- Minimum of 2 years residential mortgage origination experience required.
- Knowledge of secondary market guidelines, laws and regulations related to mortgage lending.
- Must have the ability to develop business in targeted areas and maintain current referral relationships while expanding new opportunities
Experience:
- Loan origination: 2 years (Preferred)
- Sales: 1 year (Preferred)
Benefits:
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401(k)
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Dental insurance
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Health insurance
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Health savings account
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Life insurance
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Vision insurance
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Physical setting: Office
Ability to commute/relocate: Brentwood/Smyrna/Rutherford County: Reliably commute or planning to relocate before starting work (Required)
Work Location: One location
Interested in this position? Email your resume to John Pope jpope@southernbankoftn.com
Loan Operations Specialist - Mt. Juliet
The Loan Operations Specialist will perform a variety of loan servicing and processing activities in conformance with established bank policies, procedures, and objectives.
Responsibilities:
- Prepares consumer and/or commercial loan packages for closing in a timely, accurate and complete manner, ensuring that each loan is in compliance with established procedures, policies and government regulations.
- Communicates with lenders and external vendors about details within documentation, raising appropriate questions and troubleshooting problems as needed.
- Research and resolve servicing issues in support of loan officers and customers within scope of authority and expertise. Works with manager to ensure timely and accurate Loan Servicing practices.
- Prepare and process mortgage, equity, and construction and consumer loan payoff requests from internal and external customers.
- Monitors and tracks hazard insurance renewals and cancellations.
- Performs advances and disbursements on Construction Loans. Reviews and researches requests to ensure all risks associated have been mitigated.
- Performs all duties in accordance with prescribed regulatory compliance guidelines and Bank policies and procedures.
- Input and quality control of loans in core system.
- Review of loan file to ensure all required documents have been executed and received.
- Review and clear exceptions for trailing documents as received to ensure bank’s security position is properly executed and protected.
- Daily balancing of internal general ledger accounts.
- Any other duties as deemed necessary by Loan Operations Manager.
Qualifications and Education Requirements:
- 2-4 years’ experience in a related field
- Ability to work independently, with minimal direct supervision.
- Ability to work under pressure and meet deadlines.
- Working knowledge of loan documentation policies and related government regulations.
Preferred Skills:
- Working knowledge of TRID, HMDA, FCRA and Reg B.
- Understanding of legal documentation and experience with commercial loan products.
- Computer proficiency; knowledge of Laser Pro software, Jack Henry, Excel, Word and Teslar, helpful.
Benefits:
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401(k)
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Dental insurance
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Health insurance
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Health savings account
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Life insurance
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Vision insurance
Interested in this position? Email your resume to Megan Boyd at mboyd@southernbankoftn.com
Bank Teller - Clinton
The Bank Teller will complete deposits, withdrawals, and other financial interactions while providing excellent customer service to all customers.
Qualifications required:
- High School Diploma or equivalent
- Previous experience working directly with the public is preferred.
Responsibilities and Experience:
- Cashes checks and disburses funds after verifying signatures and sufficiency of funds to support withdrawals.
- Accepts deposits, confirming accuracy of transaction.
- Prepares, verifies, and issues cashier checks.
- Enters transactions in bank's record keeping system, recording all transactions and producing customer receipts.
- Evaluates checks to verify endorsements, dates, identification of persons receiving payments, bank names, and overall legality of the documents.
- Identifies and capitalizes on opportunities to promote new banking services.
- Calculates daily transactions using appropriate technology.
- Balances all monies in cash drawers at the end of shifts.
- Accepts and counts inventories of cash each day.
- Maintains a work area that ensures the safety of all negotiables and confidential records.
- Prepares monies for deposit or shipment to branch banks or the Federal Reserve Bank.
- Orders a cash supply to meet daily needs.
- Performs other related duties as assigned.
- Complete all training by assigned deadlines.
- Inform management of potential losses and or issues due to errors or fraud.
- Regular and predictable attendance.
- Perform other related duties as assigned.
Success factors/job competencies:
- Excellent verbal communication skills.
- Excellent math skills, including money handling skills.
- Trustworthiness and the ability to act with integrity.
- Thorough understanding of customer service.
Physical demands and work environment:
The physical demands and work environment characteristics described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation will be made to enable individuals to perform the essential functions
in accordance with applicable legal requirements.
in accordance with applicable legal requirements.
Physical demands:
While performing duties of job, incumbent is occasionally required to stand; walk; sit; use hands to finger, handle, or feel objects; reach with hands and arms; talk and hear. Employees must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by the job include close, distance, color, and peripheral vision; depth perception; and the ability to adjust focus.
While performing duties of job, incumbent is occasionally required to stand; walk; sit; use hands to finger, handle, or feel objects; reach with hands and arms; talk and hear. Employees must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by the job include close, distance, color, and peripheral vision; depth perception; and the ability to adjust focus.
Work environment:
The noise level in the environment is usually minimal.
The noise level in the environment is usually minimal.
Interested in this position? Email your resume to Jan Waldroop at twaldroop@southernbankoftn.com