Senior Mortgage Loan Processor

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