Mortgage Origination Processor - Minot

About the role

Are you organized, detail-oriented, and great at keeping things moving? If so, we want to talk to you! We're looking for a Mortgage Processor to join our team and help guide residential mortgage loans from application through final approval and closing. You'll work closely with Loan Officers, Underwriters, Closing staff, borrowers, Realtors, and other partners to make sure loan files are complete, accurate, compliant, and moving forward on schedule. This is a great opportunity for someone who enjoys a fast-paced, detail-driven environment and wants to be an important part of helping members achieve their homeownership goals.

If you're organized, detail-oriented, collaborative, and ready to play an important role in helping members navigate the mortgage process, we'd love to meet you!

Responsibilities

• Process Mortgage Loans: Manage assigned residential mortgage applications from application through underwriting, final approval, and closing.
• Manage Documentation: Collect, order, review, and verify required borrower and third-party documentation, including credit information, appraisals, title work, income and asset verification, and other required documents.
• Keep Loans Moving: Follow up with borrowers, third parties, and internal team members to obtain outstanding information and documentation within established timelines.
• Prepare for Underwriting: Review loan files for completeness, accuracy, and compliance with Credit Union, investor, agency, and loan program requirements before submitting to Underwriting.
• Review Loan Information: Calculate and review qualifying ratios, verify AUS findings, identify potential issues, and ensure loan information is accurately reflected in Encompass.
• Clear Conditions: Obtain and organize documentation needed to satisfy Prior to Final Approval and Prior to Closing conditions and coordinate with Underwriting as needed.
• Manage Your Pipeline: Monitor assigned loans, anticipate upcoming milestones, track deadlines, and communicate proactively about potential delays or outstanding items.
• Communicate & Collaborate: Provide timely loan status and documentation updates to Loan Officers, borrowers, Re