Mortgage Loan Processor

Posted October 1, 2026

• Review online applications for completeness and communicate missing information or documentation requirements to the appropriate MLO.
• Verify information provided on loan applications including employment, income, down payment deposit, residence, etc.
• Review loan file for completeness of all required documents.
• Prepare Early Disclosures, including changed circumstances, if necessary, perform early and final Qualified Mortgage Rule/Ability-to-Repay check.
• Prepare commitment letter/intent to proceed.
• Order and track third-party services including appraisals, tax transcript, flood determination, title work and other required documentation, ensuring timely receipt and review.
• Prepare pre-underwriting checklist for secondary market loans.
• Review title work, etc. for accuracy; provide required appraisal disclosures to customers; analyze loan-to-value ratios; resubmit loans through systems when necessary; and collaborate with MLOs to resolve issues to facilitate loan approval and closing.
• Submit complete package to underwriting for review, collaborate with underwriting and MLO to clear any exceptions.
• Monitor and manage the mortgage loan pipeline to ensure target dates are not missed.
• Assemble required loan documentation for residential loan closings
• Coordinate all aspects of the loan closing process, ensuring all underwriting conditions, regulatory requirements, and approval terms have been satisfied prior to closing.
• Prepare Preliminary Closing Disclosures.
• Review closing stipulations and title commitment, ensure all required conditions have been met. Delay closing if all required conditions have not been met.
• Request verbal verification of employment.
• Balance loan transactions, prepare and approve closing disclosures with title companies. Ensure closing documents are provided to title agencies prior to closing deadlines.
• Prepare closing instructions and issue mortgage disbursements.
• Complete Customer Identification Program (CIP) and OFAC screening requirements to verify customer identity and ensure compliance with federal regulations.
• Ensure mortgage loan files contain required documentation with proper signatures, dates and all relevant data.
• Responsible for payoffs, incoming funds, processing wires.
• Backup to Senior Secondary Market Coordinator while also providing additional support for loan operations department as needed.
• Prepare modifications and balloon extensions as needed
• Attend training to remain current on all investor, PMI, appraisal, and corporate requirements.
• Evaluate departmental processes and procedures and recommend improvements.
• Comply with all laws, regulations, bank policies and procedures, including specifically Citizens National Bank’s Bank Secrecy Act and Anti-Money Laundering Policy and procedures, and its Customer Identification Program.
• Maintain knowledge of bank products and services and cross sell as appropriate.
• Maintain regular and consistent attendance, personal appearance, punctuality and adherence to applicable health and safety procedures.
• Establish and maintain efficient working relationships with supervisors, co-workers, and customers.
• Identify potential fraud and promptly escalate concerns to the Loan Operations Manager.
• All other duties as assigned.

• Proficient with Microsoft applications; Word, Excel, Outlook.
• Strong Computer Skills
• Flexible and resourceful team player who is able to build relationships with colleagues and customers.
• Uses good judgment skills and works independently
• Exceptional attention to detail and accuracy
• Ability to multi-task and manage deadlines
• Strong organizational, time management and prioritization skills
• Excellent written and verbal communication skills
• Knowledge of mortgage lending and closing processes preferred.

• High School Diploma
• One to Two years banking experience preferred
• Understanding of mortgage loan products and services