Mortgage Operations Specialist

Company: Security State Bank & Trust
Location: Fort Worth
Posted on: February 15, 2026

Job Description:

Job Description Job Description Description: Position Summary: The Mortgage Operations Specialist serves a multi-purpose role and fulfills the responsibilities of a Mortgage Loan Specialist (Processor), Closing Coordinator, and Department Support. This position is responsible for delivering quality customer experiences to current and potential customers. Employees in this position must demonstrate a general knowledge of Mortgage Lending from Application to Funding. The Mortgage Operations Specialist must possess a positive attitude, good communication skills and a strong work ethic. Responsibilities: · Emulate SSB&T Core Values Processing Specific: · 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 Closing Coordinator Specific: · 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 Requirements: · High School diploma or equivalent · Associates or Bachelor’s Degree preferred · 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

Keywords: Security State Bank & Trust, Denton , Mortgage Operations Specialist, Accounting, Auditing , Fort Worth, Texas