Mortgage Loan Processing Specialist

POSITION TITLE: Mortgage Loan Processing Specialist

REPORTS TO: Mortgage Loan Underwriter Officer

CLASSIFICATION: Non-Exempt

REVISED: June 2026

SCOPE:

The Mortgage Loan Processing Specialist reports directly to the Mortgage Loan Underwriter Officer. The primary responsibilities of this position include the processing, document preparation, and funding of new loans. This position will also be responsible for paying all bills related to the loan file, tracking exception items, and performing post-closing functions.

Other duties covered by this position include escrow maintenance, HMDA reporting and assisting customers with loan questions, payments, and payoffs.

ACCOUNTABILITIES:

Loan Processing/Closing/Funding: 70%

• Provide loan processing support for the bank. This will involve timely underwriting support, documentation preparation and maintenance to ensure that all information is accurate.
• Managing the loan pipeline to make sure all files are processed in a timely manner.
• Handle incoming customer calls to help solve customer problems during loan origination and on an ongoing basis.
• Pre-closing duties include creating files, obtaining financial information, ordering appraisals, obtaining title work and submitting loan packages.
• Initial preparation of all closing packages for review.
• Post-closing duties include such items as funding loans, recording documents, and ordering final title, ensuring the Bank’s position is secured. This will also include paying bills to third parties and balancing purchase advices from investors.
• Maintain a loan tickler system. This will include periodic audits on files for missing documentation.

Administrative Support: 15%

• Provide administrative support for the Real Estate Department which will include filing, imaging all loan packages, title policies and the like.
• Answer customer questions that may arise anytime during the loan process and make any necessary corrections to the customer’s file.
• Assist in answering incoming phone calls and directing them to the proper department or person.
• Be knowledgeable, competent and comply with all service standards.
• Filing.

Loan Support: 10%

• Identify track and report HMDA information for the real estate files.  
• Set up and maintain escrow accounts for taxes and insurance. Process escrow distributions and work with escrow analysis.

Other: 5%

• As part of the overall bank team employees, this position may be requested to assist in the support of other bank activities.

COMPETENCIES:

Adaptability:

Able to adjust quickly to different work situations and remain composed under pressure and in stressful situations.

Attention to Detail:

Regard for important details to assure accuracy in every transaction performed; detect errors; follow through on corrections and details.

Customer Orientation:

Recognize and respond sensitively to the overall financial needs and priorities of the customer; recognize and take appropriate action to meet their needs; establish an effective working relationship with customers to gain their respect and loyalty.

Financial Analysis:

Ability to understand numbers and use those skills as they pertain to loans and the loan underwriting process.

Oral/Written Communication:

The ability to express thoughts and ideas in a clear and concise manner, both orally and in written form, to a variety of audiences and to all levels of staff.

Professionalism:

Project a positive image of the bank to all internal and external customers along with the ability to work well with others.

Time Management:

Ability to effectively manage one’s time to complete work in a timely fashion.

EDUCATION & SPECIAL REQUIREMENTS:

• Two- or four-year degree in business administration or related field along with two to four years of related work experience.
• This job requires skills needed in a typical office environment. This includes communications skills, computer skills such as, but not limited to Word and Excel as well as utilization of office equipment.
• Internal: BAI Courses -- All Staff, Real Estate Department

PHYSICAL REQUIREMENTS:

• Prolonged periods of sitting at a desk and working on a computer.
• Frequent use of hands and fingers for data entry, handling cash, and operating office equipment.
• Visual acuity to read documents, computer screens, and currency.
• Manual dexterity for typing and handling paperwork.
• Occasional travel to client sites or other bank locations (if applicable).

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