Mortgage Loan Processor

Job Description

Job Description

Mortgage Loan Processor (on-site)

Location: McAllen, Texas or San Antonio, Texas
Department: Residential Mortgage Lending
FLSA Status: Non-Exempt

About the Role

At Rio Bank, our Mortgage Loan Processors play a critical role in helping customers achieve homeownership. In this role, you’ll guide mortgage loans from application to closing—partnering closely with Loan Officers, underwriting, and operations to ensure a smooth and on-time experience.

If you’re detail-oriented, customer-focused, and enjoy working in a fast-paced, team-driven environment, this is a great opportunity to make a meaningful impact while growing your career in mortgage lending.

In this role, you’ll manage mortgage loans from application to closing while partnering closely with Mortgage Loan Officers and internal teams.

1. Process mortgage loans from application through closing and post-settlement
2. Gather, review, and track documentation to ensure complete and compliant files
3. Communicate proactively with customers and internal partners on loan status
4. Submit loans for underwriting and assist with clearing conditions
5. Coordinate closings and prepare final settlement packages
6. Review closing documents for accuracy and compliance
7. Support Loan Officers in achieving loan and deposit goals
8. Maintain confidentiality and deliver a strong customer experience
9. Stay current on mortgage regulations, policies, and procedures

Your day starts with reviewing your pipeline—prioritizing deadlines and identifying any outstanding conditions.

You’ll connect with customers to gather documents and provide updates, while working with Mortgage Loan Officers and underwriting to keep loans moving forward.

Throughout the day, you may be clearing conditions, preparing files for closing, or coordinating with title companies to finalize details.

Each day is fast-paced and varied, but your focus remains the same—keeping loans on track and delivering a smooth, positive experience for every customer.

You’ll be successful in this role when you:

• Maintain accurate, complete, and audit-ready loan files
• Meet turnaround expectations and keep your pipeline moving
• Communicate clearly and consistently with customers and teammates
• Support team goals and contribute to a strong customer experience
• Ensure full compliance with lending regulations and internal policies

This position is a critical part of our mortgage process—ensuring loans move smoothly, customers stay informed, and every detail meets regulatory standards.

It’s also a strong pathway for growth within lending and operations, providing hands-on experience with underwriting, compliance, and customer relationship management.

Why Join Rio Bank

At Rio Bank, we are committed to supporting your success—both professionally and personally. We offer:

• Competitive pay and comprehensive benefits
• Growth and development opportunities
• A collaborative and supportive team environment
• A culture built on trust, service, and community

• High school diploma or GED required
• Previous mortgage processing experience preferred (or related banking experience)
• Understanding of mortgage loan products (Conventional, FHA/VA, USDA preferred)
• Working knowledge of mortgage regulations (RESPA, TRID, HMDA, Escrow preferred)
• Strong attention to detail and organizational skills
• Excellent communication and customer service skills
• Ability to manage multiple priorities and deadlines

Rio Bank is an equal opportunity employer. We welcome and encourage applicants of all backgrounds and provide reasonable accommodations for qualified individuals with disabilities.

This posting is intended to provide a general overview of the role. Responsibilities may evolve based on business needs. Employment with Rio Bank remains at-will.