Mortgage Loan Processor I

First Federal Bank•Dunn, NC

About The Position

First Federal Bank is seeking a motivated, detail-oriented Mortgage Loan Processor I to join its Residential Mortgage Lending team. The position manages residential mortgage loan files from application through closing and post-closing, ensuring accuracy, timeliness, and compliance with applicable regulations and investor requirements. The processor serves as a primary point of contact for borrowers, loan officers, underwriters, attorneys, and title companies. The bank is willing to train a candidate with strong organizational skills, professionalism, and a commitment to customer service. The ideal candidate is organized, dependable, eager to learn, and enjoys helping customers navigate important financial decisions. Mortgage experience is preferred but not required. Candidates with administrative, customer service, or banking experience and an interest in building a career in mortgage lending are encouraged to apply. The role offers an opportunity to start or advance a mortgage lending career at a community bank committed to employee development and growth.

Requirements

High school diploma or equivalent.
Strong attention to detail and organizational skills.
Excellent verbal and written communication skills.
Ability to manage multiple priorities and work effectively in a deadline-driven environment.
Strong customer service skills and a professional demeanor.
Proficiency in Microsoft Office products, including Word, Excel, and Outlook.
Ability to work independently while contributing to a team-oriented environment.

Nice To Haves

One to three years of mortgage processing, banking, lending, or related financial services experience; preferred but not required.
General knowledge of residential mortgage lending products and terminology.
Experience with mortgage loan origination systems and document management platforms; preferred but not required.
Administrative, customer service, or banking experience and a desire to build a career in mortgage lending.

Responsibilities

Prepare and deliver initial loan disclosures in accordance with federal requirements and established timelines.
Review loan applications and documentation for completeness, accuracy, and consistency.
Collect, analyze, and verify borrower income, assets, employment, liabilities, and other required documentation.
Order and review credit reports, appraisals, flood determinations, title work, and other third-party services as needed.
Maintain loan files and organize and image documentation within the loan origination system.
Submit complete loan packages to underwriting and monitor loan status through the approval process.
Communicate with borrowers, loan officers, underwriters, attorneys, builders, real estate agents, and title companies to obtain information and facilitate loan progress.
Obtain and review documentation needed to satisfy underwriting conditions.
Coordinate closing activities and ensure pre-closing requirements are completed within required timeframes.
Ensure compliance with bank policies, investor guidelines, and applicable federal and state regulations.
Safeguard confidential customer and bank information in accordance with privacy and security requirements.
Provide exceptional customer service throughout the mortgage process.
Perform additional duties and special projects as assigned by the Director of Residential Mortgage Lending.