Mortgage Processor

Heritage Bank; Hastings, Aurora (NE, NE); On-site; USD 55,000 - 75,000; Full time

Benefits offered by this job

Holiday pay

Disability insurance

Life insurance

Maternity/Parental leave

401(k) with employer match

Health insurance

Paid time off

Vision insurance

Dental insurance

Job summary

Heritage Bank in Hastings, Nebraska is seeking a Mortgage Processor to manage residential loan files from application to closing and post-closing, coordinating with borrowers, title companies, appraisers, and underwriters to keep pipelines moving.

The role emphasizes accuracy, regulatory compliance, and timely disclosures, with incentives tied to production and service quality. This position offers a comprehensive benefits package and professional growth opportunities.

Qualifications

• Three to five years of residential mortgage processing, closing, or underwriting support experience.
• Strong knowledge of conventional, government, secondary market programs.
• Understanding of mortgage documentation, compliance, and closing procedures.
• Working knowledge of TRID, RESPA, and mortgage disclosures.
• Experience with loan origination systems and related software.

Responsibilities

• Manage residential mortgage files from application through closing, funding, and post-closing completion.
• Review loan applications and supporting documentation for completeness, accuracy, compliance, and program eligibility.
• Collect, organize, and verify borrower documentation, including income, assets, employment, credit, and collateral information.
• Prepare and deliver required disclosures and loan documentation in accordance with regulatory requirements and bank procedures.
• Order and manage title commitments, flood determinations, insurance, credit reports, and other third-party services.
• Prepare loan packages for underwriting review and manage underwriting conditions through final approval.
• Coordinate with borrowers, Relationship Managers, title companies, realtors, settlement agents, and other parties to ensure timely loan progression.
• Prepare, review, and coordinate Closing Disclosures, closing packages, funding documentation, and post-closing requirements.
• Coordinate loan funding, investor delivery, internal boarding, and file completion activities.
• Maintain accurate records within loan origination, imaging, and reporting systems and generate mortgage pipeline and production reports.
• Support audits, compliance reviews, quality control initiatives, and investor requirements.
• Identify process improvements that enhance efficiency, service levels, and file quality.

Skills

Mortgage processing

Regulatory compliance

TRID/RESPA knowledge

Loan documentation review

Microsoft Office

Tools

Loan origination systems

Imaging platforms

Document preparation software

Automated underwriting systems

Job description

Benefits

• Holiday pay
• Disability insurance
• Life insurance
• Maternity/Parental leave
• 401(k) with employer match
• Health insurance
• Paid time off
• Vision insurance
• Dental insurance

The Mortgage Processor is responsible for the execution and administration of residential mortgage loans from application through funding and post-closing. This position manages the mortgage pipeline, coordinates all operational aspects of the lending process, and ensures loan files are accurate, compliant, and completed on time.

The Mortgage Processor serves as a central point of coordination among borrowers, Relationship Managers, title companies, appraisers, realtors, underwriters, investors, and internal staff. This role combines advanced processing, closing coordination, secondary market support, reporting, and quality control responsibilities.

Key Responsibilities

• Manage residential mortgage files from application through closing, funding, and post-closing completion
• Review loan applications and supporting documentation for completeness, accuracy, compliance, and program eligibility
• Collect, organize, and verify borrower documentation, including income, assets, employment, credit, and collateral information
• Prepare and deliver required disclosures and loan documentation in accordance with regulatory requirements and bank procedures
• Order and manage title commitments, flood determinations, insurance, credit reports, and other third-party services
• Prepare loan packages for underwriting review and manage underwriting conditions through final approval
• Coordinate with borrowers, Relationship Managers, title companies, realtors, settlement agents, and other parties to ensure timely loan progression
• Prepare, review, and coordinate Closing Disclosures, closing packages, funding documentation, and post-closing requirements
• Coordinate loan funding, investor delivery, internal boarding, and file completion activities
• Maintain accurate records within loan origination, imaging, and reporting systems and generate mortgage pipeline and production reports
• Support audits, compliance reviews, quality control initiatives, and investor requirements
• Identify process improvements that enhance efficiency, service levels, and file quality

Qualifications

• Three to five years of residential mortgage processing, closing, underwriting support, or mortgage operations experience required
• Strong working knowledge of conventional, government, secondary market, and in-house mortgage lending programs
• Solid understanding of mortgage documentation, underwriting fundamentals, compliance requirements, and closing procedures
• Working knowledge of TRID, RESPA, consumer mortgage disclosures, and mortgage compliance standards
• Experience with loan origination systems, automated underwriting systems, imaging platforms, document preparation software, and Microsoft Office applications
• Demonstrated ability to independently manage a mortgage pipeline and meet production deadlines

Core Competencies

• Advanced mortgage processing expertise
• Workflow and pipeline management
• Closing and funding coordination
• Documentation review and quality control
• Regulatory compliance awareness
• Systems proficiency and data integrity
• Problem-solving and issue resolution
• Organization and attention to detail
• Communication and relationship management
• Continuous process improvement

Compensation

Competitive base salary with incentive opportunities tied to production, service quality, file accuracy, and operational performance

Reporting

Reports to designated lending management. Partners closely with Relationship Managers, compliance, loan administration, title companies, investors, and third-party service providers.