Retail Mortgage Loan Processor & Underwriter I

Reliance Bank (PA); Altoona (PA); On-site; USD 45,000 - 65,000; Full time

Benefits offered by this job

Medical, dental, and vision insurance

401(k) retirement plan with employer 


Annual PTO and holidays

Life and disability insurance

Employee Assistance Program (EAP)

Wellness program and gym reimbursement

Professional development and training

Career growth opportunities

Job summary

Reliance Bank is seeking a Retail Loan Processor/Underwriter I to join our Retail Loan Operations team in Altoona, PA. This on-site role partners with lenders to navigate the loan process from application to closing and supports sound credit decisions.

Ideal candidates are detail-oriented with strong analytical and communication skills, ready to manage multiple loan requirements and ensure a smooth customer experience.

Qualifications

• High school diploma or equivalent.
• Minimum of two (2) years of experience in banking, lending, loan processing, underwriting, or related financial services.
• Strong analytical, organizational, communication and problem-solving skills.
• Excellent attention to detail and ability to manage multiple priorities while meeting deadlines.

Responsibilities

• Review consumer and residential mortgage loan applications for completeness, accuracy, and compliance.
• Gather and analyze credit reports, income documentation, appraisals, collateral information, and other documents.
• Evaluate creditworthiness and calculate qualifying ratios to support lending decisions.
• Underwrite loan requests and prepare approval, counteroffer, or decline recommendations.
• Prepare disclosures, commitment letters, adverse action notices, and other loan documentation.
• Manage loan pipelines to ensure timely processing and closing.
• Order and track appraisals, credit reports, flood certifications, verifications, and other due diligence items.
• Communicate with borrowers, lenders, vendors, and third-party providers to obtain required documentation and clear loan conditions.
• Prepare consumer loan documentation and coordinate loan closings.
• Resolve documentation discrepancies, underwriting concerns, and processing issues.
• Support compliance, quality control, audit, and reporting activities.
• Identify opportunities to improve efficiency and enhance the customer experience.

Skills

Analytical

Organizational

Communication

Problem-solving

Education

Associate's or Bachelor's degree in Business, Finance, Accounting, or a related field

Job description

Reliance Bank is seeking a Retail Loan Processor/Underwriter I to join our Retail Loan Operations team in Altoona, PA. This on-site role partners with lenders to navigate the loan process from application to closing and supports sound credit decisions.

Ideal candidates are detail-oriented with strong analytical and communication skills, ready to manage multiple loan requirements and ensure a smooth customer experience.