Mortgage Processing Pro — Drive Loans to Closing

townandcountryhiring; Fargo (ND); On-site; USD 42,000 - 62,000; Full time

Benefits offered by this job

Competitive pay

Paid holidays

Generous paid time off

Health, dental, and vision insurance

401(k) with employer contributions

Tuition reimbursement

YMCA Corporate Membership Discount

Job summary

You’ll collect and verify docs, review for underwriting readiness, and manage a proactive pipeline while maintaining confidentiality and accuracy. This role requires 1+ year in mortgage processing or related experience and strong communication skills.

Qualifications

• Education equivalent to a high school diploma required.
• At least one year of experience in a financial institution with mortgage lending or processing preferred.
• Working knowledge of mortgage lending principles, terminology, documentation, and processes is a plus.
• Strong attention to detail and a commitment to accuracy.
• Excellent organizational and time-management skills with the ability to manage multiple loans and deadlines.
• Strong verbal and written communication skills and the ability to work effectively with a variety of people.
• Ability to identify discrepancies, solve problems, and know when to elevate issues.
• Comfortable working with computers and mortgage loan origination systems such as Encompass.
• Ability to maintain confidentiality and appropriately handle sensitive member and financial information.
• A team-oriented attitude and a commitment to providing an exceptional member experience.

Responsibilities

• Process Mortgage Loans: Manage assigned residential mortgage applications from application through underwriting, final approval, and closing.
• Manage Documentation: Collect, order, review, and verify required borrower and third-party documentation, including credit information, appraisals, title work, income and asset verification, and other required documents.
• Keep Loans Moving: Follow up with borrowers, third parties, and internal team members to obtain outstanding information and documentation within established timelines.
• Prepare for Underwriting: Review loan files for completeness, accuracy, and compliance with Credit Union, investor, agency, and loan program requirements before submitting to Underwriting.
• Review Loan Information: Calculate and review qualifying ratios, verify AUS findings, identify potential issues, and ensure loan information is accurately reflected in Encompass.
• Clear Conditions: Obtain and organize documentation needed to satisfy Prior to Final Approval and Prior to Closing conditions and coordinate with Underwriting as needed.
• Manage Your Pipeline: Monitor assigned loans, anticipate upcoming milestones, track deadlines, and communicate proactively about potential delays or outstanding items.
• Communicate & Collaborate: Provide timely loan status and documentation updates to Loan Officers, borrowers, Realtors, Underwriters, Closing staff, and other parties as appropriate.
• Solve Problems: Identify documentation, qualification, or processing issues and help coordinate solutions to keep loans moving toward a successful and timely closing.
• Know Your Products: Maintain a working knowledge of the mortgage loan programs and products offered by Town & Country Credit Union, as well as applicable investor and agency requirements.
• Support the Team: Assist with mortgage processing procedures and training materials and may be cross-trained in Mortgage Loan Closing and/or Post-Closing to provide backup coverage when needed.

Skills

Attention to detail

Organizational skills

Time management

Verbal communication

Written communication

Team collaboration

Problem solving

Confidentiality handling

Education

High school diploma

Tools

Encompass

Job description

You’ll collect and verify docs, review for underwriting readiness, and manage a proactive pipeline while maintaining confidentiality and accuracy. This role requires 1+ year in mortgage processing or related experience and strong communication skills.