Mortgage Loan Processor — Smooth Closings & Compliance

Triangle Federal Credit Union; Columbus (MS); On-site; USD 45,000 - 65,000; Full time

Job summary

Triangle Federal Credit Union is seeking an experienced Mortgage Loan Processor to assist members throughout the residential mortgage lending process. This role processes applications from start to finish, ensures all documentation is collected and verified, and provides exceptional member service to support smooth closings.

Ideal candidates have 3–5 years of mortgage processing experience, a solid grasp of conventional, FHA, VA and USDA programs, and familiarity with loan origination systems

Qualifications

• Minimum of 3-5 years of mortgage loan processing experience required.
• High school diploma or equivalent; associate or bachelor’s degree preferred.
• Thorough knowledge of mortgage processing, underwriting requirements, and closing procedures.
• Working knowledge of conventional, FHA, VA, and USDA mortgage programs preferred.
• Experience using mortgage loan origination systems, preferably MeridianLink or similar platforms.
• Strong understanding of mortgage lending regulations and compliance requirements.
• Excellent organizational, communication, and time-management skills.
• Strong attention to detail and accuracy.
• Ability to manage multiple loan files and deadlines simultaneously.
• Proficiency with Microsoft Office applications.

Responsibilities

• Process residential mortgage loans from application through closing.
• Review mortgage applications and supporting documentation for completeness, accuracy, and compliance with credit union, investor, and regulatory requirements.
• Communicate directly with members to obtain required documentation, provide status updates, and answer questions throughout the mortgage process.
• Collect, review, and verify income, asset, employment, credit, insurance, appraisal, and title documentation.
• Order and monitor third-party services, including appraisals, title work, flood certifications, and other required verifications.
• Prepare complete loan files for underwriting review and ensure all underwriting conditions are satisfied in a timely manner.
• Monitor loan pipelines and ensure files progress efficiently toward closing.
• Identify and resolve documentation discrepancies and potential issues that could delay approval or closing.
• Maintain accurate loan records and documentation within the credit union's loan origination system.
• Prepare and review disclosures and closing documentation for accuracy and compliance.
• Ensure compliance with all applicable federal and state regulations, including TRID, RESPA, TILA, HMDA, ECOA, Fair Lending, and BSA requirements.
• Provide exceptional service by proactively communicating with members and delivering a positive mortgage experience.
• Assist with quality control reviews, audits, and reporting as needed.
• Promote the credit union's mission and commitment to serving members.
• Perform other duties as assigned.

Skills

Attention to detail

Strong organizational skills

Effective verbal and written沟通

Education

High school diploma or equivalent

Associate or bachelor’s degree preferred

Tools

MeridianLink or similar platforms

Job description

Triangle Federal Credit Union is seeking an experienced Mortgage Loan Processor to assist members throughout the residential mortgage lending process. This role processes applications from start to finish, ensures all documentation is collected and verified, and provides exceptional member service to support smooth closings.

Ideal candidates have 3–5 years of mortgage processing experience, a solid grasp of conventional, FHA, VA and USDA programs, and familiarity with loan origination systems