Senior Mortgage Loan Processor

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Description

Senior Mortgage Loan Processor Consumers Bank is pleased to announce we are seeking an experienced Mortgage Loan Processor to join our expanding mortgage group. This position is a key role in our mortgage department as a processor for our secondary market and portfolio loan purchasers. If you are looking for a position with a community focused bank where you can have a direct impact on and input into growth strategies and successes, we welcome you to apply for this exciting position. We offer a generous benefits package, competitive wages and a collaborative professional work environment. Background, credit and previous employment checks apply to all applicants. Consumers National Bank is an Equal Opportunity Educational Institution/Equal Opportunity Employer, which includes providing equal opportunity for protected veterans and individuals with disabilities

Duties include, but are not limited to the following:

• Manage and process residential mortgage loan files from application through final underwriting approval, ensuring timely progression and adherence to established service standards.
• Collect, review, and validate borrower information and supporting documentation, including income, assets, employment, credit, and collateral documentation, to ensure accuracy, completeness, and program eligibility.
• Order and analyze third-party documentation such as appraisals, title reports, verifications, tax returns, and credit reports, identifying and resolving issues that may impact loan approval.
• Evaluate loan files for compliance with investor, agency, company, federal, and state requirements, proactively identifying and addressing qualifying, documentation, and regulatory concerns before submission to underwriting.
• Monitor loan pipelines, coordinate with borrowers, loan officers, real estate agents, and other stakeholders, and provide ongoing status updates to ensure an efficient and positive customer experience.
• Review and satisfy underwriting conditions, verify accuracy of loan data within the loan origination system, and conduct final file reviews to ensure complete, compliant, and underwriter-approved loan files are delivered for closing.
• Stay current on mortgage products, underwriting guidelines, regulatory requirements, and industry best practices while serving as a resource and mentor to less experienced processors and support staff.

Requirements

• High school diploma or equivalent required
• 5 plus years of experience in mortgage loan processing (FHA, VA, conventional loans, etc.) or equivalent experience
• Ability to build strong relationships with loan officers, production, underwriting, closing and other internal and external partners.
• Ability to prioritize multiple tasks in a deadline-driven environment; strong sense of urgency and responsiveness.
• Intermediate skill level in Microsoft Word, Outlook, Copilot, and Excel
• Able to exercise appropriate judgment and seek/involve management when necessary
• Possess well developed analytical, mathematical skills
• Ability to accept management instruction and execute tasks while under pressure
• Strong customer service orientation