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Charleston, South Carolina

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Personal Banker Job Description


POSITION:  40 Hour Personal Banker

SALARY RANGE:  $28,000 - $40,000  ($13.46 hourly - $19.23 hourly)

DEPARTMENT OR BRANCH LOCATION: Summerville, Mt. Pleasant, West Ashley and North Charleston 

DESCRIPTION OF POSITION FUNCTION:     Performs a variety of assignments connected with New Accounts and Teller Services.  New Accounts includes opening and processing new demand and time accounts including savings accounts, IRAs, certificates of deposit, and money market/now accounts.  Provides customers with information on deposit accounts, rates, service charges, restrictions, and other relevant account information.  Prepares paperwork for opening new accounts, orders checks and Debit Cards, and provides starter checks.  Researches and resolves problems and responds to customer inquires on account status.  Cross sells other bank services and refers customers to other departments as appropriate.  Must keep informed of changes in bank services or procedures.  Teller receives and pays out moneys, and maintains accurate records of all transactions.  Cashes checks within assigned limits following our Check Cashing Policy.  Accepts savings deposits and withdrawals, verifies signatures.  Accepts loan, credit card, utility, and other payments.  Issues cashier checks and traveler’s checks, and issues or redeems savings bonds.  Prepares daily settlements of teller cash and proof transactions and balances as required.  ** Hours could vary – must be flexible.

JOB SKILLS AND QUALIFICATIONS REQUIRED:  Individual must have previous teller experience.  Previous new account experience preferred, but not required.  Must have strong communication skills and the ability to deal with the public.  Must have knowledge of Windows Word Perfect & typing speed of 35 to 40 wpm, and be capable of handling multiple tasks simultaneously.

APPLICATION PROCEDURE:  Please send resumes to Mindy Buhrmaster at mbuhrmaster@banksc.com

IF YOU HAVE ANY QUESTIONS CONCERNING THIS OPENING, PLEASE FEEL FREE TO CALL  MINDY BUHRMASTER @ 843-958-1087.



Mortgage Loan Closer Description


POSITION: 40 HR Mortgage Loan Closer

Salary Range:  $50,000 - $60,000

Department or Branch Location:  Mortgage Loan Department

Supervisor:  Madison Hancock

Description of Position Function:  As a Mortgage Closer, you will be involved in and responsible for timely and seamless closings and funding of all loan transactions that have received final approval from underwriter. The Closing team is responsible for coordinating with the Borrower, Loan Officer, Processor, Title Company and the Underwriting team to set up closing date and time and ensuring that each party involved is accurately informed about the closing details and procedures. The Mortgage Closer will review the file, prepare the settlement statement and closing package, and fund the loan.

JOB DUTIES AND RESPONSIBILITIES

Performs the following duties and responsibilities related to Loan Closer:

  • Coordinate with loan officer and loan processor to schedule the closing date, time and location.
  • Review files received from processing thoroughly to check if all documents needed for closing are available. Work with processing to obtain any missing documentation. The closer is the next in line to check the processor's work for completion.
  • Review files for to ensure all the fees and costs are accurately calculated.
  • Prepare closing instructions and coordinate with Title Company to monitor the closing and funding.
  • Ensure all documents are signed at closing and funding conditions are met as per investor requirements.
  • Closer must have strong computer skills and proficiency with loan industry software, in addition to a working knowledge of word processing and spreadsheet programs.
  • Closer should have current knowledge of loan closing and documentation procedures.
  • The mortgage loan closer usually has 48 hours to complete the file and ready it for closing.
  • Verification of accuracy and consistency of all the loan information from application documents, title, appraisal, insurance which also includes updating LOS system.
  • Closer completes all the closing paperwork on behalf of the lender to send to the title Company and/or real estate attorney to complete the closing.
  • Reviews approved mortgage loan to determine conditions that must be met prior to closing and funding such as purchase of private mortgage insurance, Taxes & HOI to be paid.
  • Coordinating with the Lender and attorney on CD approval and final loan Document.
  • Funding the loan after complete verification of the signed documents and ensuring compliance to relevant state/lender guidelines.
  • Working on secondary market loans to satisfy all the requirements of the investors to sell the loan in the market.

Job Skills and Qualifications Required:

  • High school or equivalent degree
  • Most recent 2 years of employment must be in closing real estate TRID loans.
  • Thorough knowledge and understanding of RESPA guidelines and TRID
  • Familiarity with Encompass is required.
  • Good organizational skills and attention to detail are required.
  • Must possess good mathematical and sound judgment skills.
  • Ability to manage workload to coordinate multiple tasks.
  • Ability to operate standard office machines along with good telephone etiquette.
  • Excellent interpersonal skills are necessary to effectively deal with borrowers and information contacts.

This position is eligible for remote work arrangements.

APPLICATION PROCEDURE:  Please send resumes to Mindy Buhrmaster at mbuhrmaster@banksc.com

If you have any questions concerning this opening, please feel free to contact Mindy Buhrmaster @ 843-958-1087.