Mortgage Loan Processor/Consumer Lender

Pathway Bank•Cairo, NE

About The Position

Pathway Bank is seeking a detail-oriented Mortgage Loan Processor/Consumer Lender to join our team and play a key role in supporting both mortgage and consumer lending operations. This position manages loan files from application through closing, ensuring accuracy, completeness, and compliance with regulatory, investor, and Bank requirements while helping deliver a smooth, positive experience for our customers. At Pathway Bank, we value people who take pride in their work, follow processes with care, and enjoy being part of a collaborative, community-focused organization. The ideal candidate is organized, customer-focused, and able to manage multiple files and deadlines in a fast-paced environment. We are willing to train the right candidate who demonstrates strong attention to detail, a willingness to learn, and a genuine interest in growing a career in lending.

Requirements

Minimum of two years of experience in lending and/or banking strongly preferred
NMLS license and Notary Public certification required or obtainable within a reasonable timeframe
Willingness to train the right candidate with strong attention to detail and interest in lending
Strong attention to detail with the ability to review, verify, and organize loan documentation accurately
Excellent organizational and time-management skills with the ability to manage multiple loan files simultaneously
Solid understanding of lending regulations, compliance requirements, and underwriting standards, or the ability to learn and apply them effectively
Ability to calculate and analyze underwriting ratios such as LTV and DTI
Proficiency with Microsoft Office and ability to learn loan origination systems (e.g., Encompass, LaserPro, core systems)
Strong verbal and written communication skills with a customer-focused approach
Self-motivated, reliable, and able to follow established processes and procedures

Responsibilities

Process and evaluate loan applications: Request and review credit reports, financial documents, and other pertinent information to assess creditworthiness and repayment probability. Make independent decisions to approve or disapprove consumer loans, within lending limits.
Manage loan documentation: Originate Consumer Loans from LaserPro. Enter loan details into the core system, ensure accuracy and compliance with banking policies, and verify all required documentation is complete.
Coordinate loan closings: Meet with customers to explain loan documents, obtain signatures, and facilitate loan funding.
Ensure compliance and review: Prepare, review, and analyze loan documents to comply with internal and external guidelines.
Vendor and collateral management: Contact insurance companies to obtain Loss Payee proof on vehicles held as collateral. Collect Titles from borrowers for vehicles held as collateral.
Monitor daily reports: Review and act on daily reports to manage loan performance and compliance.
Manage Loan Portfolio: monitoring loan performance, and working with borrowers on payment issues or modifications.
Other duties as assigned.
Prepare and manage loan files: Using Encompass, organize initial loan files both electronic and physical, ensure all required documentation is collected, and order necessary verifications (e.g., flood determinations, appraisals, title insurance). Follow up on missing documentation with the Mortgage Manager and/or customers.
Coordinate underwriting and closing: Collaborate with the Mortgage Manager and customers to clear underwriting conditions, prepare files for submission, and coordinate verifications/payoffs for closing. Balance Closing Disclosures and generate closing documents (e.g., cashier’s checks, wires).
Ensure compliance and quality control: Conduct post-closing quality control reviews to ensure all loan documents are accurate, complete, and compliant with regulatory and company standards. Organize and submit final loan documents to investors and address any post-closing conditions.
Monitor and manage loans: Maintain data sheets for loan status tracking, process monthly escrow disbursements, and review escrow/delinquent tax reports for accuracy. Process mortgage releases for paid off mortgage notes.
Support mortgage operations: Assist the Mortgage Manager with mortgage applications, loan closings, and additional duties as assigned.