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First Citizens Bank (NC) · Columbia, South Carolina

# Mortgage Processor II (Junior Underwriter)

Columbia, South Carolina Hybrid Full-time 

Listed on First Citizens Bank (NC)’s official careers site. Posted October 14, 2026. Check that it is still open and apply there.
[Apply on First Citizens Bank (NC)’s careers site →](https://external-firstcitizens.icims.com/jobs/36012/login)

[OpenNash Jobs](https://jobs.opennash.com/) / [First Citizens Bank (NC)](https://jobs.opennash.com/companies/first-citizens-bank-nc/) / Mortgage Processor II (Junior Underwriter)

## Job description

### Overview

This is a hybrid role with the expectation that time working will regularly take place inside and outside of a company office. This position processes mortgage loans, loan applications, and all associated documentation at a higher level of complexity. Validates application information for underwriting purposes and updates department systems accordingly. Prepares approved loans for closing submission, and notifies appropriate parties for action on declined loans.

Contributes to protecting the Bank from fraud, misrepresentation, and mortgage loan default through compliance with federal regulations, department policy, and standard procedures. May provide guidance for less experienced associates in the work group.

### Responsibilities & Qualifications

Mortgage Processing
- Verifies the accuracy and completion of all documentation or information necessary for loan closings. Assists in scheduling loan closings and answers questions regarding the mortgage loan process. Places closing conditions on the file and prepares approved loans for the Closing Department. Submits loans recommended for decline to second level review and issues adverse action notices.

### Loan Operations
- Provides ongoing communication to associates and management regarding loan status, conversations with applicants, and outstanding issues. Conveys deficiencies in loan documentation with the necessary parties. Ensures compliance in all operations with applicable guidelines and regulations. May assist management with more complex matters and projects.

### Collateral Appraisal
- Secures a property appraisal and completes the initial review against established checklists.

### Business Support
- Performs a variety of administrative support tasks during the course of mortgage processing.

### Pipeline Management
- Manages a pipeline of active loans by updating and prioritizing activities based on projected loan closing date. Ensures that loans close prior to approval expiration and rate lock expiration.

### Position Specific Skills

Loan Processing Mortgage Loan or Mortgage Products Detail Oriented Organization Skills Minimum Required Education and Experience: Bachelor's Degree -OR- High School Diploma or GED and 3 years of experience in Mortgage processing Preferred Qualifications: Mortgage processing experience and experience working with Encompass Additional Information Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates.

More information can be found at [https://jobs.firstcitizens.com/benefits](https://jobs.firstcitizens.com/benefits).

## At a glance
- Posted by the employer: Oct 14, 2026
- First seen by OpenNash: Oct 17, 2026
- Last checked: Oct 17, 2026
- Listed for: 3 days
- Location: Columbia, South Carolina
- Work arrangement: Hybrid
- Employment type: Full-time[Apply on First Citizens Bank (NC)’s careers site →](https://external-firstcitizens.icims.com/jobs/36012/login)

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