Mortgage Loan Processor

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🐊 Florida, Iowa, +3 more states – Remote

🐊 Florida – Remote 🌾 Iowa – Remote ❄️ Minnesota – Remote 🗿 South Dakota – Remote 🧀 Wisconsin – Remote

💵 $20 - $31 / hour

⏰ Full Time

🟡 Mid-level

🟠 Senior

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Heritage Bank NW

WebsiteLinkedInAll Job Openings

501 - 1000 employees

Founded 1927

🏦 Banking

💸 Finance

💳 Fintech

Banking • Finance • Fintech

Heritage Bank NW is a community-focused financial institution that offers a variety of banking services for personal, business, and wealth management needs. With a commitment to customer service, they provide checking and savings accounts, loans, credit cards, and online banking features, all backed by FDIC insurance and the full faith of the U. S. Government. Heritage Bank is dedicated to the community, engaging in outreach and development initiatives while ensuring the security and privacy of their customers' financial information.

📋 Description

• Manage a pipeline of mortgage loan files to ensure timely progression from submission through closing in alignment with internal SLAs • Review loan files for completeness, accuracy, and compliance with company policy, investor guidelines, and regulatory requirements (TRID, RESPA, ECOA, ATR/QM) • Submit complete and accurate loan files to underwriting and manage all subsequent conditions, including borrower, title, appraisal, and third-party documentation • Proactively communicate with borrowers, Loan Officers, real estate agents, and third parties to collect required documentation and provide status updates • Monitor and manage loan milestones, including disclosures, conditions, and closing timelines, ensuring adherence to required timeframes • Order and track third-party services, including appraisals, title work, verifications (VOE/VOD), and flood determinations • Review and prepare loan disclosures (including changes of circumstance) in coordination with internal processes and compliance requirements • Identify and resolve file issues, documentation gaps, or compliance concerns early in the process to prevent delays • Maintain accurate and complete loan documentation within the loan origination system (Encompass or equivalent) • Partner with internal teams (LOA, Underwriting, Closing, Post-Closing) to ensure smooth file progression and minimize rework

🎯 Requirements

• Working knowledge of mortgage regulations including TRID, RESPA, and ECOA • Experience with loan origination systems (Encompass preferred) • Ability to manage a pipeline with competing deadlines and priorities • Strong problem-solving skills with a solution-oriented mindset • High level of accuracy and attention to detail in documentation and compliance • Excellent verbal and written communication skills • Working knowledge and proficiency of computer systems and software applications including but not limited to MS Office • Good organizational skills and ability to pay attention to detail • Excellent interpersonal skills necessary to effectively deal with borrowers and informational contacts.

🏖️ Benefits

• Paid time off • Paid holidays • Paid volunteer days • Medical insurance • Dental insurance • Vision insurance • 401(k) retirement plan • ESOP retirement plan