Mortgage Loan Processor

Family Trust FCU; Rock Hill (SC); On-site; USD 42,000 - 65,000; Full time

Job summary

Family Trust FCU is seeking a Mortgage Processor to coordinate and process mortgage and home equity loan files from application through closing. This role prepares loans for closing, supports branch offices, and serves as a resource for members and staff on loan status and requirements.

The ideal candidate will manage documentation, coordinate closings, and ensure compliance with investor, regulatory, and credit union guidelines while delivering excellent member service.

Qualifications

• Six months to two years of similar or related experience in mortgage lending is required.
• Strong interpersonal skills, professionalism, and sound judgment are essential.
• High school education required; additional education desired.

Responsibilities

• Serve as primary contact for members seeking mortgage information via phone, online, or in person.
• Process home equity loan applications and coordinate closings with attorneys.
• Support Mortgage Loan Officers by scheduling appointments and routing referrals.
• Promote and cross-sell credit union products by identifying member needs.
• Maintain knowledge of mortgage lending trends, investor guidelines, and regulatory requirements.
• Process loan files from application through closing, ensuring all documentation is complete and compliant.
• Review title commitments and related documents to verify lien positions and descriptions.
• Cross-train within the mortgage production department to assist others as needed.
• Other duties as assigned.

Skills

Customer service

Communication

Detail oriented

Education

High School or better.

Job description

The Mortgage Processor is responsible for coordinating and processing mortgage and home equity loan files from application through closing. This position prepares mortgage loans for internal and secondary market closings, centrally processes home equity loans originated by branch offices, and serves as a key resource for members, employees, and external contacts regarding loan status and requirements. The role is dedicated to delivering excellent service while ensuring accuracy, compliance, and efficiency throughout the loan process.

Essential Functions & Responsibilities

• Serve as the primary point of contact for members seeking information about mortgage products and services via phone, online channels, and in person. Provide professional, responsive service and assist Family Trust employees with mortgage-related inquiries.
• Process home equity loan applications received from branch offices, including gathering and reviewing required documentation, coordinating closings with attorneys, and assisting with post-closing reviews.
• Support Mortgage Loan Officers by scheduling appointments, distributing loan referrals received from credit union employees, and assisting with member pre-qualification as needed.
• Promote and cross-sell credit union products and services by identifying member needs and recommending appropriate solutions.
• Maintain current knowledge of mortgage lending trends, regulatory requirements, investor guidelines, and secondary market requirements affecting mortgage lending operations.
• Process mortgage loan files from application through closing by obtaining required documentation from borrowers, organizing and maintaining loan files, uploading investor packages, coordinating attorney closings, and ensuring compliance with investor, regulatory, and credit union requirements.
• Review title commitments, title reports, and related legal documentation to verify lien position, identify any liens, judgments, or encumbrances that may affect the credit union's interest, and confirm the accuracy of property legal descriptions.
• Be effectively cross trained to assist other members of the mortgage production department with their assigned duties as needed.
• Other job duties as assigned

Performance Measurements

• Provide service excellence to members in accordance with the credit union's mission statement and core values and maintain a professional, courteous, and friendly atmosphere for members and co-workers.
• To maintain a dependable record of attendance and timeliness.
• To troubleshoot and resolve member inquiries in a timely, friendly, and accurate manner.
• To work with the Mortgage Manager to assist with the efficient and effective workflow and processes of the Mortgage Department.
• To serve as a contact for members and realtors throughout the mortgage loan process.
• To participate in continuing education and training events

Knowledge and Skills

Experience

Six months to two years of similar or related experience with knowledge of mortgage lending processes and procedures and secondary market procedures is required. Previous experience in consumer lending is preferred but not required.

Education

A high school education is required, with additional education desired. Work related experience with proven performance may be considered in lieu of formal education.

Interpersonal Skills

Strong interpersonal skills, professionalism, and sound judgment are essential for success in this role. The position requires ongoing communication with members, employees, and external business partners to provide information, respond to inquiries, and support lending operations.

Qualifications

Behaviors

Preferred

Team Player

Works well as a member of a group

Detail Oriented

Capable of carrying out a given task with all details necessary to get the task done well

Motivations

Preferred

Self-Starter

Inspired to perform without outside help

Education

Required

High School or better.

Experience

Required

1-2 years:

Similar or related experience with knowledge of mortgage lending processes and procedures; secondary market procedures is required; previous experience in consumer lending is preferred

Licenses & Certifications

Preferred

NMLS

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.