Why Files Jobs in Aiken, SC (NOW HIRING)

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.
We are not a high-volume assembly line-and our processors are not paper pushers. We value knowledge, accountability, and pride in work. If you are someone who wants to understand loan products, guidelines, and the "why" behind the file-not just check boxes-this role may be right for you.
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.
What We're Looking For

• A professional who takes ownership of their loans from start to finish
• 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
• A team player who thrives in a collaborative, deadline-driven environment
• Someone ready to be challenged and grow within the mortgage industry

• 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
• Submit loan files to automated underwriting systems and investors as required
• Communicate proactively with borrowers to request documentation and guide them through the process
• Maintain consistent communication with loan officers regarding loan status, conditions, and timelines
• Follow up with attorneys, insurance agents, realtors, and other parties to ensure timely processing and closing
• Review underwriting approval conditions and work files through "prior to approval" and "prior to docs" requirements
• Prepare loan files for closing and ensure all conditions are satisfied prior to handoff
• Maintain accurate scheduling of loan closings and communicate promptly when timelines may be impacted
• Ensure accurate data entry for HMDA reporting
• Provide backup support for other processors as needed
• 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

• Mortgage processing experience preferred
• Banking or mortgage lending experience strongly preferred
• Willingness to learn and grow within the role is essential

• Strong analytical and organizational skills
• Excellent attention to detail and accuracy
• Ability to read, analyze, and interpret investor guidelines, regulations, and internal procedures
• Strong customer service and communication skills (written and verbal)
• Ability to manage multiple files and deadlines simultaneously
• Proficient with standard office equipment and basic PC applications

• Ability to interpret professional and regulatory documents
• Ability to calculate interest, percentages, ratios, and related figures
• Strong problem-solving and decision-making skills in situations with varying requirements

• Valid driver's license
• NMLS registration (or ability to obtain, if applicable)

• Primarily office-based with moderate noise level
• Requires standing, sitting, walking, lifting up to 15-20 pounds occasionally
• May require occasional extended hours to meet deadlines

• In-person role with future remote flexibility for the right candidate
• Opportunity to grow within a respected community bank
• Supportive, experienced mortgage team
• Hands-on involvement in the full loan process-not just one piece
• A role where quality, knowledge, and service matter