Mortgage Loan Processor

First Farmers Bank & Trust Company; Kokomo (IN); On-site; USD 26,000 - 29,000; Full time

Benefits offered by this job

Health Insurance

Vision Coverage

Dental Coverage

Prescription Plan

Wellness Incentive

Job summary

First Farmers Bank & Trust in Kokomo, IN is seeking a Mortgage Loan Processor to accurately assemble loan documentation after application and disclosures, then submit packages to underwriting for final approval. You will support officers daily, set up and maintain loan files, and ensure completeness before underwriting.

You will review income, order relevant documents, and assist with mortgage product knowledge while ensuring policy compliance and timely processing in a community-focused bank.

Qualifications

• Knowledge of mortgage and lending processes.
• Strong attention to detail and accuracy.
• Ability to work independently and on a team.
• Willingness and ability to participate with community organizations and community projects.

Responsibilities

• Order and review loan documentation for each package.
• Verify income calculations and supporting documents.
• Submit loan packages to underwriting after initial disclosures.
• Maintain and organize loan files ensuring completeness and accuracy.
• Communicate with borrowers and loan officers to gather materials.

Skills

Mortgage knowledge

Attention to detail

Organizational skills

Time management

Teamwork

Job description

Description

Mortgage Loan Processor

Kokomo, IN

$19.00-$21/hr depending on experience

About First Farmers Bank & Trust

First Farmers Bank & Trust has been proudly serving families, farms, and businesses since 1885, building relationships rooted in trust and community. With over 140 years of experience, we’ve grown to become one of the largest community banks in Indiana and Illinois, offering a full range of financial services—from personal and business banking to agricultural lending and mortgage solutions.

Our mission is simple: deliver personalized financial services while fostering strong relationships that help our communities thrive. We believe in combining today’s digital banking convenience with the traditional values of integrity, perseverance, and customer care.

With 37 branches in Indiana and Illinois, we remain deeply committed to the communities we serve. Through initiatives like financial education programs, scholarships, volunteerism, and local partnerships, we invest in what matters most—people.

At First Farmers, we also invest in our employees. We offer competitive benefits, opportunities for professional growth, and a culture that values collaboration and community engagement. When you join our team, you’re not just starting a job—you’re joining a company built on heart and grit.

POSITION SUMMARY:

Accurately assists in retrieving and assembling proper loan documentation for loan packages after application is signed and initial disclosures are issued; then responsible for submitting loan packages to underwriting for final approval. Following disclosure of initial documents, we are responsible for completing the loan package in a timely and efficient manner. Performs variety of clerical duties, requiring knowledge of departmental procedures. Provides support and assistance to officers on a daily basis when needed. Set up & maintains files on each loan; ensuring information is complete and accurate before sending to underwriting.

DUTIES:

• Order the following documentation for each loan: XML sheet, Homeowners Insurance, PMI Certificate, Veri-tax, Form 90/Verification of Employment, Customer Information and Risk Profile (CIP), Order Title Commitment
• Review and ensure accuracy on all documents starting at First Review
• Verify Income calculations and ensure there is proper documentation of all types of income
• Attain good knowledge base of all mortgage products
• Review private mortgage insurance qualifications and submit data to PMI company to obtain certificate
• Communicate with Borrower, Loan Officer and Mortgage Operations to efficiently gather documentation and complete the loan process
• Complete Mortgage Workflow tasks that are then sent on to Underwriting
• Completion of educational assignments
• Assure loans are processed in accordance with Company policy and procedure
• All other job duties as assigned

Requirements

Minimum Qualifications

• This position requires general banking knowledge, specifically in the mortgage and lending areas
• Basic computer skills and a strong attention to detail and accuracy
• Proven, successful ability to work independently and on a team
• Willingness and ability to participate with community organizations and community projects

Preferred Qualifications

• Previous Mortgage Loan experience
• Strong working knowledge of lending policies, procedures and documentation requirements
• Knowledge of Government Loans

Skills

• Strong organization, good time management, and ability to multitask needed
• Must have strong attention to detail

Benefits Overview:

At First Farmers Bank & Trust, we offer a comprehensive benefits package designed to support your health, financial well-being, and work-life balance:

Health & Wellness

• Medical Insurance (eligible on date of hire) with options for High Deductible Health Plan (HDHP) and Co-Pay Plan
• Vision Coverage
• Dental Coverage
• Prescription Plan
• Wellness Incentive – earn up to $25 per pay period toward premium reduction

Financial Security

• Life & Accidental Death & Dismemberment Insurance – 100% employer-paid
• Short & Long-Term Disability Insurance – 100% employer-paid
• 401(k) Plan
• Profit Sharing Stock Option
• Health Savings Account (HSA) contributions for HDHP participants

Paid Time Off

• Vacation time
• Sick Time
• Personal Day
• 11 Paid Holidays
• Paid Bereavement

Additional Benefits

• Paid time to volunteer (when representing FFBT and supervisor approved)
• Voluntary Donated PTO Program
• Employee Assistance Program
• Travel Assistance Program
• Educational Assistance Program
• Corporate Discounts
• Employee Referral Program
• Stock Purchase Loan Option
• Retirement Plan Counseling
• Wellness Program
• Gym Reimbursement
• Employee Quarterly Recognition Program
• AFLAC supplemental benefits
• Cincinnati Life supplemental coverage
• Family Medical Leave
• Paid Bereavement Leave
• Maternity Leave Policy