Mortgage Processing Specialist

Town & Country Credit Union; Minot (ND); On-site; USD 45,000 - 65,000; 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

Job summary

This fast-paced role requires strong attention to detail, organizational skills, and the ability to manage multiple loans and deadlines while maintaining confidentiality and member focus.

Qualifications

• Education equivalent to a high school diploma is required.
• At least one year of experience in a financial institution is preferred, mortgage lending/processing strongly preferred.
• Working knowledge of mortgage lending principles, terminology, documentation, and processes is a plus.
• Comfortable using mortgage origination systems such as Encompass.

Responsibilities

• Process Mortgage Loans: manage residential applications from application through underwriting, final approval, and closing.
• Collect, review, and verify borrower and third-party documentation such as credit info, appraisals, title work, income and asset verification.
• Follow up with borrowers and internal teams to obtain outstanding items within timelines.
• Review loan files for completeness, accuracy, and compliance before underwriting.
• Calculate qualifying ratios, verify AUS findings, and reflect loan information accurately in Encompass.
• Obtain and organize documentation to satisfy final/closing conditions and coordinate with Underwriting.
• Monitor loan pipelines, milestones, deadlines, and communicate status and delays.
• Provide timely status updates to Loan Officers, borrowers, Realtors, Underwriters, and Closing staff.

Job description

This fast-paced role requires strong attention to detail, organizational skills, and the ability to manage multiple loans and deadlines while maintaining confidentiality and member focus.