Mortgage Loan Processor - Residential Lending Services

United Bank; Springs, Northern (NY, KY); Hybrid; USD 42,000 - 64,000; Full time

Job summary

United Bank is seeking a Mortgage Loan Processor for Residential Lending Services in Magnolia Springs. You will manage mortgage applications from initiation to closing and ensure compliance with policies and regulations.

Responsibilities include documenting and verifying financial information, communicating with loan officers and clients, and preparing files for underwriting in a fast-paced bank environment. Join a team that emphasizes accuracy and customer service.

Qualifications

• High school diploma or equivalent required.
• 1 year mortgage processor experience or 2 years banking/clerical experience.
• Proficient with mortgage processing software and Microsoft Office.

Responsibilities

• Review and evaluate mortgage applications for completeness and accuracy.
• Verify and analyze financial information, including credit reports, employment history, and income documentation.
• Communicate with loan officers, clients, and others to gather information and resolve discrepancies.
• Prepare loan files for underwriting with complete documentation.
• Monitor progress of mortgage loan files and provide status updates.
• Ensure compliance with federal and state mortgage lending regulations.
• Maintain detailed records of all communications and documentation.
• Provide excellent customer service throughout the mortgage process to build relationships.
• Other duties as assigned by Management.

Skills

Communication

Time management

Interpersonal skills

Collaboration

Self-motivation

Adaptability

Education

High school diploma or equivalent

Assoc./Bac. degree preferred

Tools

Mortgage processing software

Microsoft Office

Job description

Mortgage Loan Processor - Residential Lending Services

EOE Statement United Bank is an Affi…

About the Organization United Bank is a growing $1.4 billion community bank operating 24 locations in Southwest Alabama and Northwest Florida that is proud to be a certified Community Development Financial Institution. We offer competitive salary and an exceptional benefit package including BCBS medical, dental, vision, 401k with company match up to 5 1/2%, profit sharing, annual bonus opportunity, and more!

Candidate is responsible for managing mortgage applications from initiation to closing, ensuring adherence to regulations & bank policies. Primary duties include reviewing and verifying financial documents, analyzing information and collaborating closely with loan officers and third parties to facilitate an efficient mortgage experience for the bank’s clients.

PRIMARY DUTIES & RESPONSIBILITIES:

• Review and evaluate mortgage applications to ensure completeness & accuracy.
• Verify & analyze financial information, including credit reports, employment history, and income documentation.
• Communicate with loan officers, clients, and other interested parties to gather additional information and resolve any discrepancies.
• Prepare loan files for underwriting by ensuring all necessary documentation is collected and organized.
• Monitor the progress of mortgage loan files and provide status updates to team members.
• Ensure compliance with federal and state regulations governing mortgage lending.
• Maintain detailed records of all communications and documentation related to loan applications.
• Provide excellent customer service throughout the mortgage process in order to build strong relationships with clients and the bank’s lenders.
• Any other duties as assigned by Management.

Position Requirements

MINIMUM REQUIRED EDUCATION, EXPERIENCE & SKILLS:

• High school diploma or equivalent required
• One-year proven experience as a mortgage processor or two years of clerical and/or banking experience
• Proficient in the use of mortgage processing software and/or Microsoft Office Suite.

PREFERRED EDUCATION, EXPERIENCE & SKILLS:

• Associate’s/bachelor’s degree in finance, business, or related fields preferred.
• Proven experience in managing multiple mortgage files while meeting deadlines in a demanding environment
• Familiarity with escrow procedures, title insurance, & general working knowledge of real estate transactions.

ESSENTIAL KNOWLEDGE, MENTAL & PHYSICAL REQUIREMENTS:

• Excellent communication skills.
• Ability to manage time and competing priorities in a fast-paced environment.
• Strong interpersonal skills with the ability to interact with all levels of an organization.
• Collaborative professional skills that lead to a collegial and partnered approach to meeting objectives.
• High motivation with ability to successfully meet individual and team goals while maintaining individual performance over the long term.
• Adaptability and flexibility.
• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to speak or hear, stand, or sit for long periods of time, open filing cabinets, walk, stoop or bend, use hands to handle or feel and reach with hands and arms. The employee must frequently lift and/or move up to ten pounds, occasionally lift and/or move up to 25 pounds and complete tasks requiring manual dexterity.

WORK ENVIRONMENT:

This job operates in a professional office environment.

Full-Time/Part-Time Full-Time

Minimum Education High school diploma or equivalent required

Position Mortgage Loan Processor - Residential Lending Services

Exempt/Non-Exempt Non-Exempt

Req Number CLE-26-00004

Location Magnolia Springs

This position is currently accepting applications.