Mortgage Loan Processor Bank

Position: Mortgage Loan Processor High Country Bank
Location: Salida

Overview

A Mortgage Loan Processor is responsible for processing all residential mortgage loans and consumer loans. They will be preparing closing documents, inputting and updating loan data in the Bank’s systems, and assembling and verifying loan documents for accuracy. This is NOT a supervisory role.

Duties and Responsibilities

• Understands and supports the High Country Bank Mission Statement and commits to adhere to the High Country Bank Values of Honesty, Excellence, Accountability, Respect and Together.
• Processes loans in accordance with Loan Policies and Procedures of the Bank.
• Assists in maintaining a current schedule of all loans in process.
• Provides administrative assistance to the loan department, including updating loan data for entry into the Bank’s computers and assembling documentation for loans.
• Meets regularly with the VP and AVP’s of the Mortgage Loan department to discuss loan operations related to quality control.
• Responsible for a complete and accurate audit for each loan file.
• Responsible for loan vault retention, record retention and final audits.
• Facilitates the ordering of appraisals, market analysis and title commitments for all incoming mortgage loan files in process and tracks the progress of these items to ensure deadlines are met.
• Discloses all Loan Estimates and Closing Disclosures within bank and TRID guidelines for all applicable mortgage loan files.
• Processes all modifications for existing portfolio mortgage loans including but not limited to extensions, renewals and advances.
• Other duties as assigned.

Compliance Requirements

• Ensure Compliance with all internal controls and established policies and procedures.
• Ensure and understand compliance requirements of all laws and regulations within the Banking industry, including, but not limited to:
  Bank Secrecy Act (BSA)/Office of Foreign Assets Control Regulations (OFAC);
  Reporting of Currency Transactions (CTR);
  Reporting of Suspicious Activity (SAR);
  Monetary Instrument Log/Customer Identification/Customer Due Diligence (CDD);
  Anti Money Laundering Regulations;
  Identity Theft Prevention;
  Unfair, Deceptive, Abusive Acts or Practices (UDAAP); and Deposit Regulations (Reg CC, E, P), Freddie Mac lending.

Soft Skills (Interpersonal & Professional)

• Excellent verbal and written communication skills.
• Excellent math skills.
• Trustworthiness and the ability to act with integrity.
• Excellent customer service and interpersonal skills.
• Ability to work independently and as part of a team.
• Strong organizational and time management skills.
• High level of integrity and confidentiality.
• In-depth understanding of Freddie Mac guidelines.
• Strong knowledge of internal mortgage lending products and services.

Cognitive & Technical Skills

• Comfortable using industry-specific software or tools.
• Familiarity with standard office equipment (phones, copiers, scanners).
• Ability to learn and apply new technologies or systems quickly.

Education and Experience

• High school diploma or equivalent is required.
• Lending or Banking experience is preferred.

Physical & Other Abilities

• Must be able to lift up to 50 pounds at times.
• Ability to sit or stand for extended periods.
• Must maintain professional appearance and dress code standards.
• Willingness to work flexible hours, including evenings or weekends, if required.
• Reliable transportation (if travel or multi-location coverage is necessary).

This position operates in a professional office environment and requires interaction with customers, staff, and leadership. The role may require occasional extended hours and weekend availability, particularly during staffing shortages or peak periods.

Benefits

• Medical, Dental, and Vision
• Voluntary Life, STD, LTD, and other supplemental benefit options.
• Flexible Spending Account (FSA), Health Savings Account (HSA) Must Enroll into Medical Plan for Eligibility.

Qualifications

Must meet FDIC standards and Bank requirements; must comply with all company policies, including its handbook, and maintain the ability to meet like standards and requirements throughout term of employment.

Affirmative Action / Equal Opportunity Statement

It is the policy of High Country Bank not to discriminate against any employee or…