Mortgage Loan Processor/Closer

About the role

At MTC Federal Credit Union, we are dedicated to creating a better way forward for the communities we serve. We offer personalized financial solutions to foster lifelong relationships, and we are committed to our core values of accountability, respect, hard work, passion, and genuineness. We are currently seeking a dynamic Mortgage Loan Officer to join our team and help drive our mission forward. MTC Federal Credit Union is seeking an experienced Mortgage Loan Processor / Closer to manage residential mortgage files from submission through closing. This role is essential to ensuring loans are processed accurately, efficiently, and in full regulatory compliance while delivering an exceptional member experience.

Responsibilities

• Manage loan files following initial disclosures through closing
• Review documentation for accuracy, completeness, and compliance
• Submit loans to underwriting and manage approval conditions
• Communicate requirements to borrowers, loan officers, and third parties
• Track and follow up on missing documentation
• Coordinate final approval, Clear to Close (CTC), and closing documentation
• Review Final Closing Disclosure and HUD-1 with borrowers
• Prepare wire instructions and ensure timely funding
• Prepare closing packages for Home Equities
• Maintain compliance with NCUA, CFPB, BSA, and internal policies
• Perform additional duties as assigned

Requirements

• 2–3 years of residential mortgage processing and/or closing experience
• Working knowledge of FNMA and portfolio loan program guidelines
• Strong attention to detail and organizational skills
• Ability to manage multiple files and competing deadlines
• Effective verbal and written communication skills
• Proficiency with Microsoft Office and mortgage processing systems
• Education: High School Diploma required; Associate degree and/or equivalent industry experience preferred
• Responsible for complying with all laws, statutes, rules and regulations which govern credit unions, including but not limited to all components of the Bank Secrecy Act provisions of the US Patriot Act
• Must comply with all credit union policies and applicable laws and regulations; maintain confidentiality of member information

Benefits

• Competitive paid time off & holidays
• Vision insurance
• Dental insurance
• Health insurance
• Competitive 401(k) matching & discretionary contribution
• Disability insurance
• Paid holidays
• Career advancement opportunity
• Competitive base pay and incentive plan
• And more!