Mortgage Loan Processor

Mortgage Loan Processor - Yankton, Sioux Falls, or Mitchell locations

First Dakota National Bank is hiring a full-time Mortgage Loan Processor to join our team. This position is open to our Yankton, Sioux Falls or Mitchell locations. Previous processing experience preferred.

We are looking for someone with a positive attitude and good work ethic who supports and engages in First Dakota’s culture for exceptional customer service. The candidate must have the capability to process a variety of transactions accurately and efficiently, maintain strict confidentiality, attention to detail, and comply with all Bank policies and procedures. The ability to effectively communicate with various types of clientele, co‑workers, and departments to resolve an assortment of needs is required.

Strong organizational skills and the ability to work well in a team environment are essential. Verify and compile application information, submit files to underwriter and prepare closing documents for mortgage loans. Hours include Monday‑Friday 8‑5.

• Review residential loan application file to verify that application data is complete and meets establishment standards, including type and amount of mortgage, borrower assets, liabilities, and length of employment.
• Call, fax, email specified companies to obtain property abstract, survey, appraisal and insurance information.
• Submit mortgage loan application file for underwriting approval.
• Coordinate loan closing with the borrower, title company, and realtor, if applicable.
• Ensure loans are clear to close.
• Prepare initial Closing Disclosure and work with settlement agent to coordinate numbers for the final Closing Disclosure.
• Obtain final approval of the Closing Disclosure from the loan originator.
• Communicate with settlement agents, loan originators and operations staff daily.
• Prepare all required mortgage loan closing documents via Loan Origination System, ensuring no errors or typos are on the documents.
• Confirm all closing conditions are met.
• Submit approved mortgage loan files to Loan Officer for review of closing documents and to the settlement agent for closing.
• Other duties as assigned.

Attributes include a positive attitude and good work ethic. The ability to process a variety of tasks accurately and efficiently, maintain strict confidentiality, attention to detail, and comply with all Bank policies and procedures. Communicate effectively with various types of clientele, co‑workers and departments to resolve an assortment of needs. Strong organizational skills and the ability to work well in a team environment.

Punctuality is a must. To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Prefer a minimum of 3-6 months processing experience; one year certification from college or technical school; or equivalent combination of education and experience.

Office:
The work environment of this job includes interacting with others in an office setting, and the noise level is usually moderate.

Light:
The physical demands of this job include bending, sitting, and occasionally lifting up to 10 pounds with or without reasonable accommodation.

• Adaptability – Adapts to changes in the work environment.
• Attendance/Punctuality – Consistently at work and on time; arrives at meetings and appointments on time.
• Career Apparel – Adheres to the Career Apparel policy; demonstrates professional appearance during Bank hours or at after‑hours Bank functions.
• Customer Service – Responds promptly to customer needs including requests for service and assistance; provides courteous, personal attention to promote ongoing relationship servicing with customers.
• Dependability – Follows instructions, responds to management direction; takes responsibility for own actions; keeps commitments; completes tasks on time or notifies appropriate person with an alternate plan.
• Design – Demonstrates attention to detail.
• Initiative – Looks for and takes advantage of…