Mortgage Loan Processor

Join us at Prospera Credit Union and become part of a team that is passionately committed to providing personal, tailored financial guidance to each of our members.

At Prospera Credit Union, people aren't just numbers or transactions, and you won't be treated that way either.

Big-Company Benefits. Beyond the Basics.

• Great Paid Time Off Benefits!
• Prospera Pays 90% of Medical Monthly Premium Costs!
• Prospera Matches Up to 5% of 401K Contributions!
• Prospera Provides Short-Term disability and Long-Term Disability at No Cost to You!
• Learn more about our benefits and culture here:

About the Role:

The Mortgage Loan Processor plays a key role in delivering an efficient, accurate, and positive mortgage experience for members. This position is responsible for gathering, reviewing, and verifying all loan documentation to ensure compliance with credit union policies, regulatory requirements, and secondary market guidelines. This position works closely with lenders, underwriters, and operations teams to facilitate smooth loan closings, maintain high-quality loan files, and provide exceptional member experience. Success in this role is measured by accurate, timely loan processing, strong documentation quality, and seamless collaboration with lending partners.

Expectations and Responsibilities

• Loan Documentation & File Management (50%)
  • Collect, review, and verify all loan application documentation, including income, employment, assets, and property information.
  • Ensure loan files are complete, accurate, and meet credit union policy, regulatory requirements, and secondary market standards.
  • Prepare and organize loan packages for underwriting review.
  • Coordinate with lenders and members to resolve documentation issues quickly and efficiently.
• Compliance & Risk Management (20%)
  • Ensure all loan documentation and processes comply with federal and state regulations, internal policies, and audit requirements.
  • Maintain accurate records of all file communications, conditions, and approvals.
  • Support internal audits, quality control reviews, and regulatory examinations as needed.
• Member & Lending Partnership (15%)
  • Acts as a knowledgeable resource for lenders, helping with documentation requirements and file preparation.
  • Communicate with members in a professional and supportive manner to collect required documentation and answer questions.
  • Maintain a member-focused approach while ensuring compliance and risk standards are met.
• Process Efficiency & Performance (10%)
  • Follow established workflows and service standards to ensure timely loan processing.
  • Identify and suggest process improvements to enhance efficiency, accuracy, and member experience.
  • Track personal performance metrics such as file completion accuracy, turnaround times, and quality.
• Professional Development & Expertise (5%)
  • Stay current with mortgage products, lending regulations, and industry best practices.

Qualifications & Skills

• Education:
  • High school diploma or GED equivalent.
• Experience:
  • Minimum of 2-4 years of mortgage loan processing experience preferred.
• Skills:
  • Solid knowledge of mortgage documentation requirements, loan products, and underwriting guidelines.
  • Understanding of federal and state mortgage regulations and secondary market standards.
  • Strong organizational, analytical, and communication skills.
  • Ability to manage multiple files and deadlines accurately and efficiently.
  • Commitment to delivering excellent member service and ethical lending practices.
  • Credit union or community financial institution experience preferred.

If you are looking for a great opportunity to join a growing team, let's talk!

Prospera Credit Union is a local, member-owned financial institution in the Fox Valley area. We offer competitive compensation, an excellent benefits package and the opportunity to work in a fun, friendly, team-oriented atmosphere.

Grow your career. Make a difference. Create meaningful impact.

Prospera Credit Union is an Equal Opportunity and Affirmative Action Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran status. Information collected regarding categories as provided by law will in no way affect the decision regarding an employment application.