Mortgage Loan Pipeline Processor

Kids for the Future; Dover (NH); Hybrid; USD 33,000 - 41,000; Full time

Benefits offered by this job

Student Loan & Tuition Assistance

Employee Loan Discounts

Weekly Paychecks

401(k) with Employer Match & Profit Sh

Job summary

Lighthouse Credit Union in Dover, NH is seeking a Mortgage Loan Pipeline Processor to manage the loan application pipeline from submission to closing. You will coordinate with originators, underwriters, and clients to ensure accurate documentation and timely closings.

The role requires 2+ years in mortgage processing, proficiency with LOS and MS Office, and a strong focus on compliance, service, and efficiency. This is a hybrid position located in Dover, NH, with competitive pay and benefits.

Qualifications

• High school diploma or equivalent required; associate degree preferred.
• 2+ years mortgage processing or related financial services experience.
• Proficiency with LOS, document imaging, and MS Office apps (Excel, Outlook, Teams).
• Ability to meet SAFE Act background checks and NMLS requirements.

Responsibilities

• Process mortgage loan applications, ensuring timely progression and accuracy.
• Coordinate with originators, underwriters, and clients to meet deadlines.
• Prepare closing packages and ensure underwriting conditions are satisfied.
• Review appraisals, title reports, and regulatory requirements for compliance.

Skills

Verbal and written communication

Organizational skills

Time management

Attention to detail

Education

High school diploma or equivalent

Associate's degree in Business/Finance/Banking or related field

Tools

Mortgage LOS systems

Microsoft Excel

Document imaging platforms

Job description

• Location Hybrid,Dover, NH, 03820,United States
• Base Pay $23.80 - $29.76 / Hour

OUR LEADERSHIP PHILOSOPHY

At Lighthouse Credit Union, we believe all individuals, regardless of position level, are considered leaders. By providing a framework that balances clarity with adaptability, our Leadership Competencies aim to foster a culture of continuous growth and agile leadership. Lighthouse Credit Union is committed to embracing change, nurturing leadership talent, and ensuring our performance management practices are aligned with our vision of fostering a resilient and forward-thinking organization. As such, we all hold ourselves accountable to the following:

LEADERSHIP COMPETENCIES

Demonstrates Interpersonal Awareness & Skills

A cornerstone of our collaborative work environment, this competency emphasizes effective communication, relationship building and teamwork. It also supports creating a positive work environment that values individual contributions and fosters teamwork. As an individual leader, you will demonstrate active listening, clear communication, and contribute beneficially to team dynamics.

Embraces Change & Learning

This competency focuses on adaptability, personal development and the advocacy and embracing of progressive change. You will be challenged to explore continuous learning opportunities to achieve excellence and foster a culture of growth and innovation. As an individual leader, you will actively engage in personal development, embrace change enthusiastically and support team members in their growth. You will also demonstrate flexibility and adaptability in response to changing circumstances.

Utilizes Critical & Creative Thinking

Underlining the importance of innovative problem solving, challenging the status quo and strategic thinking, this competency is vital for driving excellence and leadership. This competency challenges team members to take initiative beyond one’s immediate responsibilities. As an individual leader, you will actively look for and share opportunities for improvement, show open-mindedness to new ideas and professionally challenge inefficient processes. You will also actively contribute to defining solutions and promoting innovation.

Takes Personal Ownership

This competency focuses on taking responsibility for performance goals, proactive collaboration, and accountability. It highlights the significance of each team member taking ownership of their role and contributions while demonstrating leadership qualities regardless of their position. As an individual leader, you will be actively engaged in setting and achieving performance goals, take responsibility for personal action and decisions and seek opportunities for self‑improvement and skill development.

POSITION SUMMARY

Under the direction of the Director, Residential Lending Operations, the Mortgage Loan Pipeline Processor plays a crucial role in managing the mortgage loan application process from initial submission through closing. This role involves coordinating with mortgage loan originators, underwriters, and clients to ensure a smooth and efficient pipeline, maintaining accurate documentation, and adhering to credit union and regulatory requirements to ensure a smooth and efficient loan processing experience.

ESSENTIAL FUNCTIONS & RESPONSIBILITIES

• Manages and processes Mortgage Loan applications ensuring timely progression through the processing pipeline while meeting service, quality and member experience standards, and identifying opportunities to improve workflow efficiency, reduce processing bottlenecks, and enhance member experience.
• Monitors and manages assigned loan pipelines to ensure timely movement through processing milestones, achievement of closing deadlines, and adherence to service, quality, and compliance standards.
• Performs detailed reviews of loan applications, supporting documentation, collateral information, and system data to verify accuracy, completeness, and compliance with Credit Union policies and regulatory requirements.
• Collects applicable fees and coordinate the ordering, tracking, review, and receipt of third-party services, including appraisals, title examinations, flood certifications, tax verifications, and other collateral‑related reports.
• Orders, tracks, and evaluates appraisal reports to ensure property valuations meet lending requirements and regulatory standards; identify discrepancies, valuation concerns, or missing information and coordinates resolution with vendors and underwriters as needed.
• Ensures appraisal reports and associated valuation disclosures are delivered to borrowers within required regulatory timeframes.
• Reviews title reports to verify ownership, confirm lien position, identify title defects, judgments, encumbrances, easements, or other matters impacting the Credit Union’s collateral interest, and facilitate resolution of outstanding issues.
• Reviews and evaluates loan conditions and borrower documentation submitted by applicants or Loan Originators for completeness and accuracy, ensuring supporting conditions meet Secondary Market requirements.
• Obtains verification of employment for all borrowers. Serves as the primary point of contact between the members/borrowers, real estate agents, title companies, third‑party brokers and internal sales staff providing exceptional member service, communicating loan status updates, obtaining required documentation, resolving processing issues and guiding members through closing requirements.
• Investigates and resolves processing exceptions, documentation deficiencies, title issues, appraisal discrepancies, collateral concerns, and other loan‑related matters that may impact regulatory compliance, approval conditions, closing timelines, funding requirements or secondary market salability, serving as a resource for complex or escalated processing issues and determining appropriate courses of action to facilitate resolution.
• Perform points and fee loan reviews to ensure compliance with Ability‑to‑Repay/Qualified Mortgage rules.
• Coordinates and facilitates loan closings by working with borrowers, lending officers, branch staff, title companies, attorneys, appraisers, and other third parties; schedule closings, prepare and review closing packages, and ensures all underwriting conditions, stipulations, and approval requirements are satisfied prior to funding.
• Prepares and delivers Closing Disclosures in accordance with TRID requirements, processes and distributes closing documents, ensuring accurate loan, collateral, payment, escrow and regulatory data.
• Maintains working knowledge of applicable federal and state lending regulations, Credit Union policies, and compliance requirements to ensure accurate and compliant loan processing, serving as a subject matter resource for mortgage processing procedures, loan documentation requirements, and regulatory expectations.
• Meets established productivity, quality, accuracy, and member service standards while safeguarding confidential member information and adhering to all Credit Union policies, procedures, and professional conduct expectations.
• Identifies opportunities to improve workflows, enhance operational efficiency, reduce processing bottlenecks, and strengthen the member experience. Participates in process improvement initiatives, system enhancements, and departmental projects as assigned.
• Supports a broad range of mortgage operations functions, including the preparation and distribution of weekly pipeline reporting for leadership. Maintains and publishes daily mortgage rate information, ensuring timely communication to internal stakeholders. Performs pre‑closing quality control reviews of peer loan files to validate accuracy, completeness, and compliance with established policies, procedures, and regulatory requirements, identifying trends, recommending corrective actions, and supporting continuous improvement efforts.
• Follows and adheres to the Credit Union’s policy regarding attendance and punctuality.

JOB SPECIFICATIONS

• Understanding of mortgage lending regulations, compliance standards, and loan products.
• Familiarity with the mortgage application and closing processes.
• Must meet and comply with all requirements set forth in the SAFE ACT including but not limited to successful completion of the required background checks and obtaining a Unique Identifier for NMLS.
• Strong organizational and time management abilities.
• Excellent verbal and written communication skills.
• A significant level of trust and diplomacy is required, in addition to normal courtesy and tact.

EDUCATION, TRAINING & EXPERIENCE

• High school diploma or equivalent required. Associate's degree in Business, Finance, Banking, or related field preferred, or an equivalent combination of education and experience.
• 2+ years of mortgage processing, mortgage operations, residential lending, consumer lending, or related financial services experience required. Experience with conventional, FHA, VA, USDA, and home equity lending preferred.
• Proficiency using mortgage loan origination systems (LOS), document imaging platforms, workflow management tools, and Microsoft Office applications, including Excel, Outlook, and Teams.

The working arrangement for this position is hybrid. Hybrid work is an opportunity to find the right balance between working in the office and remotely, especially if it supports individual success and the needs of our organization. Hybrid schedules are determined by the hiring manager based on business unit needs and may vary by department.

Back Office Benefits That Work for You

We know life doesn’t pause when you’re at work — and your benefits shouldn’t either. At Lighthouse Credit Union, we offer real support for real life, with perks that help you stay healthy, grow your future, and take care of what matters most.

• Student Loan & Tuition Assistance – Whether you're paying off debt or going back to school, we help lighten the load.
• Employee Loan Discounts – Get access to lower rates on personal loans, just for being part of the team.
• Weekly Paychecks – Because waiting two weeks shouldn’t be the norm.
• 401(k) with Employer Match & Profit Sharing – We invest in your future with generous contributions and immediate vesting.

Time Off That Respects Your Life

• Lighthouse Leave Program – Paid time off for major life moments, from welcoming a child to caring for a loved one.
• Volunteer Time Off (VTO) – Give back to your community with paid time to serve.
• PTO + Paid Federal Holidays – Rest, recharge, and celebrate without worry.
• Balanced Schedule – All branches close by 5pm and on Sundays — no late nights or unpredictable shifts.
• Comprehensive Medical, Dental & Vision Plans – Coverage that starts quickly and fits your needs.
• HSA/FSA Options – Save pre‑tax dollars for everyday health expenses.
• Discounted Pet Insurance – Because furry family members deserve care too.
• Employee Assistance Program (EAP) – Free, confidential support for life’s challenges — available 24/7.

Culture & Connection

• Annual Bonus Program – Celebrate your wins, your teammates’ successes, and the Credit Union’s growth — together.
• Engagement Groups – Join communities like Pride at Work, Women in Leadership, Book Club, and more.
• Ongoing Training & Career Growth – We invest in your development from day one.
• Annual Summit & Team Outings – Celebrate wins and connect with coworkers across the organization.