Mortgage Loan Processor/Closer

MTC Federal Credit Union; Mauldin (SC); On-site; USD 50,000 - 70,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

401(k) matching

Disability insurance

Paid holidays

Career advancement

Job summary

MTC Federal Credit Union is seeking a Mortgage Loan Processor/Closer to manage residential mortgage files from submission through closing. The role ensures loans are processed accurately, efficiently, and in full regulatory compliance while delivering an exceptional member experience.

Responsibilities include reviewing documentation, submitting to underwriting, coordinating closing packages, and ensuring compliance with NCUA, CFPB, and BSA guidelines.

Qualifications

• 2–3 years of residential mortgage processing and/or closing experience.
• Working knowledge of FNMA and portfolio loan program guidelines.
• Strong attention to detail and organizational skills.
• Ability to manage multiple files and competing deadlines.
• Excellent verbal and written communication skills.

Responsibilities

• Manage loan files from submission through closing.
• Review documentation for accuracy, completeness, and compliance.
• Submit loans to underwriting and manage approval conditions.
• Communicate requirements to borrowers, loan officers, and third parties.
• Track and follow up on missing documentation.
• Coordinate final approval, Clear to Close (CTC), and closing documentation.
• Review Final Closing Disclosure and HUD-1 with borrowers.
• Prepare wire instructions and ensure timely funding.
• Prepare closing packages for Home Equities.
• Maintain compliance with NCUA, CFPB, BSA, and internal policies.

Skills

Mortgage processing

Closing experience

Attention to detail

Organizational skills

Verbal & written communication

Job description

Description

Join Our Team at MTC Federal Credit Union!

At MTC Federal Credit Union, we are dedicated to creating a better way forward for the communities we serve. We offer personalized financial solutions to foster lifelong relationships, and we are committed to our core values of accountability, respect, hard work, passion, and genuineness. We are currently seeking a dynamic Mortgage Loan Officer to join our team and help drive our mission forward.

About the Mortgage Loan Processor/ Closer Opportunity:

MTC Federal Credit Union is seeking an experienced Mortgage Loan Processor / Closer to manage residential mortgage files from submission through closing. This role is essential to ensuring loans are processed accurately, efficiently, and in full regulatory compliance while delivering an exceptional member experience.

What You’ll Do:

• Manage loan files following initial disclosures through closing
• Review documentation for accuracy, completeness, and compliance
• Submit loans to underwriting and manage approval conditions
• Communicate requirements to borrowers, loan officers, and third parties
• Track and follow up on missing documentation
• Coordinate final approval, Clear to Close (CTC), and closing documentation
• Review Final Closing Disclosure and HUD-1 with borrowers
• Prepare wire instructions and ensure timely funding
• Prepare closing packages for Home Equities
• Maintain compliance with NCUA, CFPB, BSA, and internal policies
• Perform additional duties as assigned

Why MTC Federal Credit Union?

• Member-focused, mission-driven organization
• Collaborative and supportive work environment
• Opportunity to work loans end-to-end—from submission to funding
• Stability and growth within a respected Credit Union

Benefits& Perks:

• Competitive paid time off & holidays
• Vision insurance
• Dental insurance
• Health insurance
• Competitive 401(k) matching & discretionary contribution
• Disability insurance
• Paid holidays
• Career advancement opportunity
• Competitive base pay and incentive plan
• And more!

About MTC Federal Credit Union:

MTC Federal Credit Union is built on the principles of dedication and perseverance. We believe in bringing energy, enthusiasm, and genuine care to every aspect of our work, creating an environment where members and colleagues alike feel supported and inspired. Our core values guide our hiring and onboarding processes, team member recognition, and day-to-day decision-making.

Core Values:

• Accountability: We believe that accountability builds trust, which is the foundation of everything we do. Our team members embrace this value by delivering promises, seeking solutions, and taking the initiative when challenges arise
• Respect: Respect is at the heart of every interaction at MTC Federal. We value engaged listening and treating everyone with fairness and dignity, members, teammates, and community partners alike
• Hard Work: We work hard because we know our members work hard—and they deserve a team that goes the extra mile. Hard work at MTC Federal isn’t about clocking hours; it’s about focus, follow-through, and a willingness to roll up our sleeves to get the job done
• Passion: Passion drives everything we do. We believe in bringing energy, enthusiasm, and genuine care to every aspect of our work
• Genuineness: Being genuine means bringing your authentic self to every interaction, every day. We pride ourselves on building meaningful connections with our members and each other through honesty, sincerity, and empathy

Disclaimer

This job description does not constitute an employment contract and does not include all duties or responsibilities. Management reserves the right to modify the position as business needs evolve.

Requirements

What We’re Looking For:

• 2–3 years of residential mortgage processing and/or closing experience
• Working knowledge of FNMA and portfolio loan program guidelines
• Strong attention to detail and organizational skills
• Ability to manage multiple files and competing deadlines
• Effective verbal and written communication skills