MORTGAGE OPERATIONS PROCESSOR

Arbor Bank; Omaha (NE); Hybrid; USD 55,000 - 75,000; Full time

Job summary

Arbor Bank is seeking a Mortgage Operations Processor to perform a full range of loan processing activities and prepare mortgage files for closing. The role involves accepting originated applications and coordinating steps to ensure compliance and timely closing.

You will review credit reports, appraisals, flood certifications, income and asset verification, disclosures, and rate locks, while collaborating with underwriters to clear conditions and maintain a compliant loan pipeline.

Qualifications

• High school diploma or equivalent is required; associate or bachelor’s degree in business, finance, or related field preferred.
• Minimum of 1 year of mortgage loan processing experience.
• Familiarity with Encompass LOS is strongly preferred.
• Experience in regulated financial or mortgage lending environments is a plus.
• Strong organizational skills and attention to detail in a fast-paced environment.
• Proficiency with mortgage documentation, including credit reports, appraisals, flood certifications, income/asset verification, and disclosures.

Responsibilities

• Process mortgage loans designated for sale to the secondary market in compliance with investor guidelines and regulations.
• Coordinate collection of required documentation from loan originators, customers, and investors.
• Communicate with underwriters to address and fulfill underwriting conditions in a timely manner.
• Review and verify accuracy of loan documents: credit reports, appraisals, flood certifications, rate locks, income/assets, verifications, disclosures.
• Manage the loan pipeline for timely processing and delivery of loans.
• Ensure compliance with internal policies and external regulations throughout the loan process.

Skills

Encompass LOS

Pipeline management

Underwriting processes

Credit reports

Regulatory compliance

Microsoft Office

Education

High school diploma or equivalent

Tools

Microsoft Office Suite

Mortgage software platforms

Job description

Job title— Mortgage Operations Processor

Classification—Non-Exempt, Full Time

Reports to— Mortgage Operations Manager

Work Location – Remote, Hybrid or In Office. Business needs require candidate to live within an hour of the Omaha Metro Area.

Summary/objective: As a Mortgage Operations Loan Processor, you will perform a full range of loan processing activities to ensure mortgage applications are accurately and efficiently prepared for closing. In this role, you will accept originated loan applications and manage all necessary steps to complete the loan file in accordance with investor and regulatory guidelines.

You will utilize checklists to organize and track required documentation, review credit reports, appraisals, flood certifications, rate locks, income and asset verification, and disclosures for accuracy, and communicate directly with underwriters to resolve conditions. Your attention to detail and commitment to compliance will be essential in managing the loan pipeline and preparing complete, closing-ready loan packages.

Essential functions

• Process all mortgage loans designated for sale to the secondary market, ensuring compliance with investor guidelines and regulatory requirements.
• Coordinate the collection of required documentation from loan originators, customers, and investors to complete mortgage requests.
• Communicate directly with underwriters to address and fulfill underwriting conditions in a timely manner.
• Review and verify the accuracy of all loan documentation, including: Credit reports, Appraisals, Flood certifications, Rate lock agreements, Income and asset documentation, Verifications, Disclosures, Any other pertinent materials.
• Manage the loan pipeline to ensure timely processing and delivery of loans.
• Monitor compliance with internal policies and external regulations throughout the loan process.
• Maintain clear and professional communication with all stakeholders to ensure transparency and efficiency.
• Project a professional image in dress, manner, communication, and focus.
• Demonstrate commitment, dependability, and respect for other team members.
• Regular and predictable attendance, punctuality, and adherence to agreed-upon schedule of availability.
• Proactively work toward achievement of personal, branch and department sales and customer service goals.
• Perform physical requirements as described in the Physical Requirements section

Other duties

• Performs other duties as assigned.

Competencies, education and experience

• High school diploma or equivalent required; associate or bachelor’s degree in business, finance, or a related field preferred.
• Minimum of 1 year of mortgage loan processing experience.
• Familiarity with loan origination systems, especially Encompass, is strongly preferred.
• Experience working in a regulated financial institution or mortgage lending environment is a plus.
• Self-discipline, organized, and capability of handling multiple projects and deadlines
• Strong organizational skills and attention to detail in a fast-paced, deadline-driven environment.
• Working knowledge of the Encompass Loan Origination System (LOS), including navigation, document management, and workflow processing.
• Familiarity with secondary market loan requirements and investor guidelines.
• Understanding of mortgage loan documentation, including credit reports, appraisals, flood certifications, income and asset verification, and disclosures.
• Knowledge of underwriting processes and the ability to interpret and fulfill underwriting conditions.
• Experience with pipeline management and tracking loan progress from application through funding.
• Knowledge of compliance regulations related to mortgage lending, including TRID, RESPA, and HMDA.
• Ability to identify and resolve documentation discrepancies or missing items.
• Proficiency in Microsoft Office Suite and other mortgage-related software platforms.
• Sedentary Work: Ability to sit for extended periods while working at a computer or desk.
• Manual Dexterity: Frequent use of hands and fingers for typing, writing, and handling documents.
• Visual Acuity: Ability to read and interpret documents, data, and computer screens with clarity.
• Communication: Must be able to communicate effectively in person, over the phone, and via email.
• Mobility: Occasional walking, standing, and movement within the office or between departments.
• Lifting: Ability to lift and carry office supplies or files weighing up to 20 pounds.
• Environment: Work is performed in a climate-controlled office setting with moderate noise levels.

Position type and expected hours of work: full time, 8-5 M-F, weekends and OT, as needed.

Travel: No travel.

Affirmative action plan/equal employment opportunity (AAP/EEO) statement

Arbor Bank maintains a policy of non-discrimination with employees and applicants for employment. No aspect of employment with us will be influenced in any manner by race, color, religion, sex, age, national origin, marital status, disability or any other basis protected by applicable law. We also believe in the principles of the Americans With Disabilities Act (ADA). ADA prohibits employers from unlawfully discriminating against employees or job applicants with disabilities when making employment decisions. We will provide reasonable accommodation to otherwise qualified disabled employees or applicants. If you are unable to submit an application because of incompatible assistive technology or a disability, please contact us at [e-mail]