Senior Residential Loan Processor/Closer

Senior Residential Loan Processor/Closer Job Category : Residential Lending Requisition Number : SENIO001649 Posted : May 13, 2026 Full-Time Hybrid Locations Showing 1 location It’s an exciting time to be at Hanscom Federal Credit Union! As a member of our Residential Lending Department, you will join a dynamic team of purpose-driven individuals committed to delivering exceptional service to our members. Who we are – Hanscom Federal Credit Union Members-first – our members are our top priority. We make business decisions with our members at the top of mind. Integrity – we’re honest and committed to doing what’s best for our members and our company. What is right isn’t the same as what is easy. Teamwork – we are in this together and we all benefit from our success. Innovation – we identify new ideas for processes or products that will lead to positive changes and take the initiative to implement the changes. Empathy – we understand that communication starts by listening, understanding diverse perspectives, and caring about others’ sustained success. What we offer $24.65/hr to $30.82/hr Compensation for this position will be determined based on the candidate's experience, skills, and qualifications. Final pay may vary depending on factors such as prior experience, expertise, and specific requirements of the role. We are committed to offering competitive compensation and will discuss the final pay rate with candidates should an offer be made. A full-time, permanent position that will reward you through an annual bonus program Medical, Dental, Vision, FSA, 401(k), Student Loan Paydown, and paid Sick and Vacation time benefits. A flexible hybrid work schedule environment. We are committed to fostering career growth and development – when you join our organization it’s not just a job. We look to develop your skills aligned to our business needs and help you progress in your career. Who you are – Senior Residential Loan Processor/Closer You are a dynamic, detail oriented, intuitive person with the ability to develop relationships, build rapport and become a trusted team member. You are able to provide everyone you assist or support with a high level of service, have strong organization and multi-tasking skills, and are searching for a rewarding career where you are valued and respected. What you'll do Maintain the integrity of the loan data from time of application to closing. Review new loan package for completeness of borrower information, and highlight potential issues on credit report such as undisclosed HELOC/2nd mortgage, fraud detection, red flag alerts, report comments, OFAC, public records, and date of 1st mortgage. Review and investigate red flags and fraud alerts from credit bureau or/or DU, and document findings. Obtain pertinent documentation as directed by the Residential Loan Processing Team Lead or Underwriter. Ensure all documentation is uploaded to Image Flow paperless system within MortgageBot. Upon receipt of loan file from loan officer, review application data, update all fees and send Initial Disclosure package to borrowers according to regulatory deadlines. Collect appropriate fees from borrower for application deposit. Prepare Rate Lock and Change of Circumstance disclosures when needed. Throughout the process, keep borrowers informed regarding the status of the loan, both by phone and email. Respond in a timely manner to borrowers’ and third-party agents’ (i.e. closing agents, appraisers, realtors etc.) inquiries during the mortgage process. Utilize MortgageBot reports to manage the pipeline, track the timely return of all required documentation (appraisals, titles, verifications, approval conditions, etc.). Keep up to date on financing date and closing date on purchases. Analyze all documents to ensure loan packages are complete and accurate. Reviews documents for possible identity fraud, etc. Forward the file to underwriting for approval. Once approval is issued, responsible for tracking and collection of documentation to ensure conditions are satisfied. Once complete, generate Clear to Close form, update fees and submit to underwriting for final approval. Assist Residential Loan Processing Team Lead in scheduling of mortgage and home equity closings. Prepare mortgage and home equity closing documents, including verifying all conditions are met, reviewing all documents for completeness and accuracy, ensuring timely delivery and accuracy of the preliminary Closing Disclosure, and issuing the closing package and funds in a timely manner. Provide backup on the quality review on post-closing files to confirm all notes, mortgages and other required documentation have been completed correctly, and figures are accurate. Act as mentor to the Residential Loan Processor / Closers and other team members within HFCU. Identify training needs for Residential Processing Team Lead when necessary. Represent the credit union in a professional manner; provide quality service to members and internal customers. Cross-sell CU products and services where applicable. Perform other related duties as required. Knowledge/Skills/Experience Required: 3 – 5 years mortgage servicing and/or closing experience. A high school degree or equivalent Must have good organizational, analytical and customer service skills. PHYSICAL REQUIREMENTS Is able to bend, sit, and stand in order to perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing/descending stairs in an emergency situation. Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. WORKING CONDITIONS Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise. MENTAL AND/OR EMOTIONAL REQUIREMENTS Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to complete basic mathematical calculations, spell accurately, and understand computer basics. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines/requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters. ** Must be authorized to work in the US ** Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor. #J-18808-Ljbffr