Pre-Close Mortgage Processor: Precision & Compliance

Atlantic Federal Credit Union; South Portland (ME); Sur place; USD 38 000 - 54 000; Plein temps

Résumé du poste

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.

Responsabilités

• 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.

Connaissances

Mortgage processing

Documentation review

Microsoft 365

Attention to detail

Time management

Formation

Associate degree

Specialized mortgage lending certification

Outils

Loan Origination System (LOS)

Electronic document management

Description du poste

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.