We believe that when banks and neighbors work together, great communities grow stronger.
Mortgage Loan Processor
Location
Florida + 4 moreAll locations: Florida | Iowa | Minnesota | South Dakota | Wisconsin
Posted
6 hours ago
Salary
$20 - $31 / hour
Seniority
Senior
Job Description
Mortgage Loan Processor
Heritage Bank NW
• Manage a pipeline of mortgage loan files to ensure timely progression from submission through closing in alignment with internal SLAs • Review loan files for completeness, accuracy, and compliance with company policy, investor guidelines, and regulatory requirements (TRID, RESPA, ECOA, ATR/QM) • Submit complete and accurate loan files to underwriting and manage all subsequent conditions, including borrower, title, appraisal, and third-party documentation • Proactively communicate with borrowers, Loan Officers, real estate agents, and third parties to collect required documentation and provide status updates • Monitor and manage loan milestones, including disclosures, conditions, and closing timelines, ensuring adherence to required timeframes • Order and track third-party services, including appraisals, title work, verifications (VOE/VOD), and flood determinations • Review and prepare loan disclosures (including changes of circumstance) in coordination with internal processes and compliance requirements • Identify and resolve file issues, documentation gaps, or compliance concerns early in the process to prevent delays • Maintain accurate and complete loan documentation within the loan origination system (Encompass or equivalent) • Partner with internal teams (LOA, Underwriting, Closing, Post-Closing) to ensure smooth file progression and minimize rework
Job Requirements
- Working knowledge of mortgage regulations including TRID, RESPA, and ECOA
- Experience with loan origination systems (Encompass preferred)
- Ability to manage a pipeline with competing deadlines and priorities
- Strong problem-solving skills with a solution-oriented mindset
- High level of accuracy and attention to detail in documentation and compliance
- Excellent verbal and written communication skills
- Working knowledge and proficiency of computer systems and software applications including but not limited to MS Office
- Good organizational skills and ability to pay attention to detail
- Excellent interpersonal skills necessary to effectively deal with borrowers and informational contacts.
Benefits
- Paid time off
- Paid holidays
- Paid volunteer days
- Medical insurance
- Dental insurance
- Vision insurance
- 401(k) retirement plan
- ESOP retirement plan
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