Pre-Close Mortgage Loan Processor

Atlantic Federal Credit Union; South Portland (ME); On-site; USD 38,000 - 54,000; Full time

Job summary

Atlantic Federal Credit Union in Maine is seeking a Pre-Close Mortgage Loan Processor to ensure loan files are complete, accurate, and ready to move from processing to closing. This role supports a high-quality member experience by resolving issues and coordinating with lenders and partners.

The ideal candidate will review income, assets, employment, and property data, verify details, and clear underwriting conditions while ensuring LOS documentation remains audit-ready.

Qualifications

• 3+ years of mortgage processing or closely related mortgage lending experience.
• Proven experience managing residential mortgage files from application through closing.
• Associate degree, Specialized mortgage, lending, financial services, or compliance certification.
• Strong knowledge of residential mortgage processing practices and documentation requirements.
• Familiarity with underwriting conditions, disclosures, closing requirements, and mortgage compliance standards.
• Ability to perform thorough document reviews and reconcile information across multiple systems and sources.
• Ability to prioritize competing deadlines and maintain productivity in a fast-paced environment.
• Experience working with loan origination systems, electronic document management systems, and Microsoft 365 applications.

Responsibilities

• Gather, review, and validate documentation related to income, assets, employment, credit, property, insurance, title, and other loan requirements.
• Ensure mortgage applications and supporting documentation are accurate, complete, and properly maintained within the LOS.
• Review loan files for inconsistencies, missing information, expired documents, unresolved conditions, and outstanding exceptions.
• Verify critical loan details including borrower information, occupancy, product selection, loan terms, property data, and closing requirements.
• Clear processor-assigned underwriting conditions and obtain updated documentation when necessary.
• Coordinate with loan officers, underwriters, settlement providers, and internal partners to resolve issues and maintain file progression.
• Complete pre-close quality reviews using established checklists and control procedures.
• Maintain thorough documentation of borrower communications, follow-up activities, and exception resolutions.
• Identify potential fraud indicators, compliance concerns, documentation irregularities, or member-impacting issues and escalation appropriately.
• Prepare loan files for closing and provide complete handoff documentation to closing partners.
• Review post-close quality findings and apply lessons learned to improve future loan quality and reduce recurring defects.

Skills

Mortgage processing

Documentation review

Microsoft 365

Attention to detail

Time management

Education

Associate degree

Specialized mortgage lending certification

Tools

Loan Origination System (LOS)

Electronic document management

Job description

Job Type

Full-time

Description

Help Members Reach Homeownership with Accuracy and Confidence At our credit union, every mortgage represents more than a loan. It represents a family purchasing a home, refinancing for greater financial stability, or achieving an important milestone. As a Pre-Close Mortgage Loan Processor, you'll play a critical role in ensuring each loan file is complete, accurate, and ready to move confidently from processing to closing. This position is ideal for a detail-oriented mortgage professional who enjoys solving complex documentation challenges, maintaining high-quality standards, and collaborating with lending partners to create an exceptional member experience.

What You'll Do

As the final operational checkpoint before closing, you will ensure mortgage loan files meet internal, regulatory, and investor requirements while proactively identifying and resolving issues that could delay funding.

Key Responsibilities Include

• Gather, review, and validate documentation related to income, assets, employment, credit, property, insurance, title, and other loan requirements.
• Ensure mortgage applications and supporting documentation are accurate, complete, and properly maintained within the loan origination system (LOS).
• Review loan files for inconsistencies, missing information, expired documents, unresolved conditions, and outstanding exceptions.
• Verify critical loan details including borrower information, occupancy, product selection, loan terms, property data, and closing requirements.
• Clear processor‑assigned underwriting conditions and obtain updated documentation when necessary.
• Coordinate with loan officers, underwriters, settlement providers, and internal partners to resolve issues and maintain file progression.
• Complete pre‑close quality reviews using established checklists and control procedures.
• Maintain thorough documentation of borrower communications, follow‑up activities, and exception resolutions.
• Identify potential fraud indicators, compliance concerns, documentation irregularities, or member‑impacting issues and escalation appropriately.
• Prepare loan files for closing and provide complete handoff documentation to closing partners.
• Review post‑close quality findings and apply lessons learned to improve future loan quality and reduce recurring defects.

Success Looks Like

Successful candidates consistently:

• Deliver complete and accurate loan files ready for underwriting and closing.
• Effectively manage multiple loans and deadlines without sacrificing quality.
• Maintain strong documentation and audit‑ready records.
• Resolve conditions and exceptions efficiently.
• Minimize post‑close defects through careful review and attention to detail.
• Communicate clearly with members, internal teams, and external partners throughout the mortgage process.

Atlantic is proud to be an Equal Opportunity Employer.

Why Join Us?

You'll become part of a collaborative team committed to delivering an exceptional mortgage experience while maintaining the highest standards of quality and compliance. Your expertise will directly contribute to helping members achieve their homeownership goals while ensuring loans are accurately prepared for a successful closing. If you're a mortgage professional who thrives on accuracy, accountability, and finding solutions, we'd love to hear from you. Join us and help create a seamless path from application to closing for every member we serve.

Requirements

• 3+ years of mortgage processing or closely related mortgage lending experience.
• Proven experience managing residential mortgage files from application through closing.
• Associate degree, Specialized mortgage, lending, financial services, or compliance certification.
• Strong knowledge of residential mortgage processing practices and documentation requirements.
• Familiarity with underwriting conditions, disclosures, closing requirements, and mortgage compliance standards.
• Ability to perform thorough document reviews and reconcile information across multiple systems and sources.
• Ability to prioritize competing deadlines and maintain productivity in a fast‑paced environment.
• Experience working with loan origination systems, electronic document management systems, and Microsoft 365 applications.

Salary Description

$33.20/hr