Mortgage Processor Hastings or Aurora

Mortgage Processor

Full Time • Hastings or Aurora
Benefits:
  • Holiday pay
  • Disability insurance
  • Life insurance
  • Maternity/Parental leave
  • 401(k) with employer match
  • Health insurance
  • Paid time off
  • Vision insurance
  • Dental insurance
The Mortgage Processor is responsible for the execution and administration of residential mortgage loans from application through funding and post-closing. This position manages the mortgage pipeline, coordinates all operational aspects of the lending process, and ensures loan files are accurate, compliant, and completed on time.
 
The Mortgage Processor serves as a central point of coordination among borrowers, Relationship Managers, title companies, appraisers, realtors, underwriters, investors, and internal staff. This role combines advanced processing, closing coordination, secondary market support, reporting, and quality control responsibilities.
 
 
Key Responsibilities
  • Manage residential mortgage files from application through closing, funding, and post-closing completion
  • Review loan applications and supporting documentation for completeness, accuracy, compliance, and program eligibility
  • Collect, organize, and verify borrower documentation, including income, assets, employment, credit, and collateral information
  • Prepare and deliver required disclosures and loan documentation in accordance with regulatory requirements and bank procedures
  • Order and manage title commitments, flood determinations, insurance, credit reports, and other third-party services
  • Prepare loan packages for underwriting review and manage underwriting conditions through final approval
  • Coordinate with borrowers, Relationship Managers, title companies, realtors, settlement agents, and other parties to ensure timely loan progression
  • Prepare, review, and coordinate Closing Disclosures, closing packages, funding documentation, and post-closing requirements
  • Coordinate loan funding, investor delivery, internal boarding, and file completion activities
  • Maintain accurate records within loan origination, imaging, and reporting systems and generate mortgage pipeline and production reports
  • Support audits, compliance reviews, quality control initiatives, and investor requirements
  • Identify process improvements that enhance efficiency, service levels, and file quality
 
 
Qualifications
  • Three to five years of residential mortgage processing, closing, underwriting support, or mortgage operations experience required
  • Strong working knowledge of conventional, government, secondary market, and in-house mortgage lending programs
  • Solid understanding of mortgage documentation, underwriting fundamentals, compliance requirements, and closing procedures
  • Working knowledge of TRID, RESPA, consumer mortgage disclosures, and mortgage compliance standards
  • Experience with loan origination systems, automated underwriting systems, imaging platforms, document preparation software, and Microsoft Office applications
  • Demonstrated ability to independently manage a mortgage pipeline and meet production deadlines
 
 
Core Competencies
Advanced mortgage processing expertise
Workflow and pipeline management
Closing and funding coordination
Documentation review and quality control
Regulatory compliance awareness
Systems proficiency and data integrity
Problem-solving and issue resolution
Organization and attention to detail
Communication and relationship management
Continuous process improvement
 
 
Compensation
Competitive base salary with incentive opportunities tied to production, service quality, file accuracy, and operational performance
 
 
Reporting
Reports to designated lending management. Partners closely with Relationship Managers, compliance, loan administration, title companies, investors, and third-party service providers.
 




This franchise is independently owned and operated by a franchisee. Your application will go directly to the franchisee, and all hiring decisions will be made by the management of this franchisee. All inquiries about employment at this franchisee should be made directly to the franchise location, and not to IIAN Corporate.

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We're always looking for great people who want to join our successful team.  Here's a bit about our company.  Not sure what's the best fit but want to talk about the possibilities?  Just submit an application for our "Let's Talk" position and we'll be in touch.

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Heritage Bank Opportunities:  Founded in 1952, Heritage is proud to be a consistently top-rated community bank dedicated to adding value for our customers.  We are locally-owned and managed which means our team has a vested interest in long-term success.  We work hard to help our clients achieve their goals, going above and beyond to provide fresh perspectives, in-depth analysis of their business or ag operation, opportunities and strategies for success.  Careers within the bank could include ag/commercial lending, mortgage/consumer lending, wealth management (trusts, investments, fiduciary services), front-line customer service, or back office operations and support.

Taking Care of our Team: At Heritage Group you'll enjoy a well-rounded compensation and benefits program that includes:

Competitive salary/wage

Group health insurance with multiple options

401k retirement plan with company match

125 Cafeteria plan for medical spending and/or child care

Group dental insurance

Group life insurance

Group disability options

Generous paid time off and holidays

Paid maternity/parental leave

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