Mortgage Loan Processor

SUMMARY

The Mortgage Loan Processor is responsible for accurately managing loan documentation through our established systems, and reviewing it to ensure it is completed in full and complies with current banking regulations and policies.

Ensures compliance with established Bank policies and procedures. Demonstrates knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and laws as they pertain to this position including but not limited to the following: GLBA (Gramm-Leach-Bliley Act), Regulation Z (Truth in Lending Act), Regulation DD (Truth in Savings Act) Regulation B (Equal Credit Opportunity Act), Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd Frank Act), Elder Abuse Laws, Bank Secrecy Act in conjunction with the USA PATRIOT Act, Anti-Money Laundering and Customer Information Program, Right to Financial Privacy Act (state and federal) and Community Reinvestment Act.

REQUIRED DUTIES

1. Review initial loan approval and work with borrower and Mortgage Loan Officer to gather appropriate documentation

2. Collect all required documentation for the loan package

3. Create a loan submission package for the Underwriting department

4. Record data to track the status of loans in processing

5. Submit files to assigned Underwriter for approval

6. Satisfy all conditions when received from Underwriter

7. Ensure that approval falls within the established lending guidelines

8. Communicate with other professionals, including attorneys, county clerks and title companies

9. Provides customer service including meeting and greeting customers in person and on the phone.

10. Performs administrative duties such as faxing, copying, filing and phone support as needed to support the department's objectives.

11. Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.

12. Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action.

13. Follows policies and procedures; completes tasks correctly and on time; supports the company's goals and values.

14. Performs the position safely, without endangering the health or safety to themselves or others and will be expected to report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all rules, regulations and orders issued pursuant to the OSHA Act of 1970, which are applicable to one's own actions and conduct.

15. Performs duties specific to the position and other functions as assigned.

MINIMUM REQUIREMENTS

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

• High school diploma or equivalent required. Associate's or Bachelor's degree preferred and at least 1-2 years of related experience and/or training. Work related experience must consist of consumer loan processing. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, is required to be applicable to the financial industry.
• Must have knowledge of Lending Compliance regulations, inclusive of: Regulations X (RESPA), Regulation Z, Regulation B, Fair Lending, HMDA Guidelines, among others.
• Knowledgeable with CFPB compliance standards and Fannie Mae guidelines
• The ability to present written credit memorandums in a clear, succinct manner, present credits to management/board loan committee.
• Intermediate experience, knowledge and training in all lending activities and terminology.
• Able to make a conclusive recommendation based on independent analysis
• Able to handle multiple transactions at once and work well in a team-oriented environment
• Strong customer service skills, relationship development and management skills
• Intermediate skills in computer terminal and personal computer operation; mainframe computer system; word processing and spreadsheet software programs.
• Intermediate typing skills to meet production needs of the position.
• Intermediate math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.
• Exceptional verbal, written and interpersonal communication skills, with the ability to apply common sense to carry out instructions and instruct others, train personnel, write reports, correspondence and procedures, and speak clearly to customers and employees.
• Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
• Ability to work with no supervision while performing duties.

Pay $49,400 - $73,500 per year. The salary reflects the full, reasonably expected salary range for this position. Salary is based on the candidate's current experience, education, skills, and abilities related to the position. Successful candidates may be eligible for bonus, stock, commissions, and incentives at the Company's sole discretion. We offer a comprehensive benefits package, which vary depending on the position ultimately offered. All employees are offered paid sick time off. Depending on the position offered, benefits packages may include vacation leave; paid holidays; medical, dental, vision, life and disability insurance packages for employees and dependents; various other voluntary benefit offers, and optional retirement accounts.

We are an Equal Opportunity Employer. All applicants will receive consideration for employment without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, age, marital status, disability, gender identity, gender expression, genetic information, or military or Veteran status, or any other characteristic protected by law.

The application window for this position is expected to close on October 21, 2026.