Senior Mortgage Processor

Job Description

Job Description

The Arrow Financial Corporation Family of Companies is seeking dynamic, authentic individuals to join our amazing team! Currently, we are looking for an experienced professional to join our Residential Lending team as:

Senior Mortgage Processor

This opportunity may be perfect for you if you have experience in:

> Excellent Communication Skills

> Advanced Knowledge of Mortgage Processing

> Strong Organizational Skills

About this position:

The Senior Mortgage Processor is responsible for coordinating, organizing, and maintaining residential loan files, including complex transactions. This role works closely with Mortgage Originators and other department staff to ensure efficiency, accuracy, and compliance with regulatory requirements. This role serves as a subject matter resource for complex scenarios, regulatory requirements, and process improvement initiatives. This role will primarily focus on operational efficiency, quality control, and superior customer service.

Essential Job Functions:

> Complete mortgage processing activities for loans submitted to the processing team, including complex loan transactions. Review and document files for accuracy, completeness, and regulatory compliance prior to submission to underwriting

> Provide timely and complete underwriting submissions, coordinating with internal department personnel and external service providers. Communicate effectively with customers and sales teams to obtain required documentation and resolve issues proactively

> Maintain full ownership of mortgage loan files once submitted to processing

> Prepare, maintain, coordinate, and distribute residential loan files, regulatory disclosures, verifications, and supporting documentation to comply with regulatory requirements and department workflows

> Review pipelines for regulatory monitoring, disclosure timing, and critical notifications; track file completeness and escalate potential risks or delays

> Serve as a subject matter expert for complex loan structures, guideline exceptions, income analysis, and layered risk scenarios

> Independently manage high-volume or high-complexity pipelines while meeting or exceeding service level and quality standards

> Perform proactive file reviews to identify compliance risks, documentation gaps, and potential underwriting challenges prior to submission

> Assist Mortgage Operations management with complex loans, special projects, reporting, and process improvement initiatives

> Contribute to the development and maintenance of processing procedures, job aids, and quality control standards

What you will need to thrive in this role:

In addition to your work and life experiences, as well as your passion and excitement for the profession, you would benefit from having:

Education/Certifications:

> Associate’s degree or equivalent experience preferred

> 5 years of experience in a mortgage-related field preferred

> Encompass experience preferred

> Government loan experience (FHA/VA) preferred

> Current NMLS registration or ability to obtain NMLS registration

Skills/Knowledge:

> Proficient in Microsoft Office Suite: Word, Excel, and Outlook as well as banking-related software

> Excellent communication skills, both written and verbal; comfortable communicating with customers, attorneys, co-workers, and management

> Strong mathematical and organizational skills; ability to prioritize tasks and meet deadlines

> Advanced knowledge of residential mortgage products, underwriting guidelines, and regulatory requirements

> Strong analytical skills with the ability to identify and mitigate risk early in the loan lifecycle

Physical Demands and Work Environment:

> Ability to remain in a stationary position, often standing or sitting, for prolonged periods of time

> Ability to repetitively use a telephone, computer mouse, and keyboard for extended durations

> Ability to lift and/or move up to 15 pounds

> Work is performed primarily in a professional office environment

> Reasonable accommodations will be provided as required by law to enable qualified individuals with disabilities to perform the essential functions of the job

What we will bring to the table:

We believe in investing in our employees and helping them grow their career with us. We offer a pleasant, inclusive work environment, career development opportunities, and competitive compensation. Through our total rewards program, we offer a comprehensive benefits package featuring:

> Competitive compensation including potential bonus and incentives as well as paid vacation, sick time, and holidays

> Medical, Dental, and Vision Insurance and Flexible Spending Plan

> Multiple retirement plans including: 401(k), Pension, and Employee Stock Ownership

> Education and Tuition Reimbursement

> Employee Assistance Program for our employees and their immediate family members

We are an Equal Opportunity Employer. Our philosophy and practice are to provide equal opportunity to all employees and applicants for employment without regard to race (including traits historically associated with race), color, religion, creed, gender, sex, pregnancy (including childbirth and related conditions), sexual orientation, gender identity or expression, status of being transgender, national origin, age, disability, genetic information, predisposing genetic characteristics or carrier status, marital status, familial status, amnesty, status as a victim of domestic violence, reproductive health decision making, citizenship or immigration status, prior convictions or arrests, military status, status as a protected veteran, known relationship or association with any member of a protected class, or any other federal, state, or local legally protected classes. As a multi-bank holding company, Arrow Financial Corporation has over $4 billion in assets. Through our subsidiaries we provide a broad range of banking and insurance services across northeastern New York, including online and mobile banking, wealth management, money market and deposit accounts, and mortgage, consumer and commercial loans.

We are committed to delivering value for our shareholders, our customers, and our communities. Our conservative business model and strategy of steady growth have resulted in many recognitions from the nation’s leading publications and bank-rating firms.

The salary range for this position is $23.00- $28.85 an hour commensurate with experience and education.

Additional compensation may be earned through the Company’s annual bonus program, subject to individual and company performance.

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