Mortgage Loan Processor/Closer

Description:

Join Our Team at MTC Federal Credit Union!

At MTC Federal Credit Union, we are dedicated to creating a better way forward for the communities we serve. We offer personalized financial solutions to foster lifelong relationships, and we are committed to our core values of accountability, respect, hard work, passion, and genuineness. We are currently seeking a dynamic Mortgage Loan Officer to join our team and help drive our mission forward.

About The Mortgage Loan Processor/ Closer Opportunity:

MTC Federal Credit Union is seeking an experienced Mortgage Loan Processor / Closer to manage residential mortgage files from submission through closing. This role is essential to ensuring loans are processed accurately, efficiently, and in full regulatory compliance while delivering an exceptional member experience.

What You’ll Do:

• Manage loan files following initial disclosures through closing
• Review documentation for accuracy, completeness, and compliance
• Submit loans to underwriting and manage approval conditions
• Communicate requirements to borrowers, loan officers, and third parties
• Track and follow up on missing documentation
• Coordinate final approval, Clear to Close (CTC), and closing documentation
• Review Final Closing Disclosure and HUD-1 with borrowers
• Prepare wire instructions and ensure timely funding
• Prepare closing packages for Home Equities
• Maintain compliance with NCUA, CFPB, BSA, and internal policies
• Perform additional duties as assigned
  
  

Why MTC Federal Credit Union?

• Member-focused, mission-driven organization
• Collaborative and supportive work environment
• Opportunity to work loans end-to-end—from submission to funding
• Stability and growth within a respected Credit Union
  
  

Benefits& Perks:

• Competitive paid time off & holidays
• Vision insurance
• Dental insurance
• Health insurance
• Competitive 401(k) matching & discretionary contribution
• Disability insurance
• Paid holidays
• Career advancement opportunity
• Competitive base pay and incentive plan
• And more!
  
  

Requirements:

What We’re Looking For:

• 2–3 years of residential mortgage processing and/or closing experience
• Working knowledge of FNMA and portfolio loan program guidelines
• Strong attention to detail and organizational skills
• Ability to manage multiple files and competing deadlines
• Effective verbal and written communication skills
• Proficiency with Microsoft Office and mortgage processing systems
  
  

Education:

• High School Diploma required
• Associate degree and/or equivalent industry experience preferred
  
  

Requirements

• Responsible for complying with all laws, statutes, rules and regulations which govern credit unions, including but not limited to all components of the Bank Secrecy Act provisions of the US Patriot Act
• Must comply with all credit union policies and applicable laws and regulations; maintain confidentiality of member information
  
  

About MTC Federal Credit Union: MTC Federal Credit Union is built on the principles of dedication and perseverance. We believe in bringing energy, enthusiasm, and genuine care to every aspect of our work, creating an environment where members and colleagues alike feel supported and inspired. Our core values guide our hiring and onboarding processes, team member recognition, and day-to-day decision-making.

Core Values:

• Accountability: We believe that accountability builds trust, which is the foundation of everything we do. Our team members embrace this value by delivering promises, seeking solutions, and taking the initiative when challenges arise
• Respect: Respect is at the heart of every interaction at MTC Federal. We value engaged listening and treating everyone with fairness and dignity, members, teammates, and community partners alike
• Hard Work: We work hard because we know our members work hard—and they deserve a team that goes the extra mile. Hard work at MTC Federal isn’t about clocking hours; it’s about focus, follow-through, and a willingness to roll up our sleeves to get the job done
• Passion: Passion drives everything we do. We believe in bringing energy, enthusiasm, and genuine care to every aspect of our work
• Genuineness: Being genuine means bringing your authentic self to every interaction, every day. We pride ourselves on building meaningful connections with our members and each other through honesty, sincerity, and empathy
  
  

Disclaimer

This job description does not constitute an employment contract and does not include all duties or responsibilities. Management reserves the right to modify the position as business needs evolve.