Mortgage Loan Administrator

The Mortgage Loan Administrator is responsible for processing, closing, and disbursing residential mortgage loans in compliance with internal policies, regulatory requirements, and secondary market guidelines. This role manages end-to-end loan file administration, collaborates closely with Mortgage Loan Originators, Underwriters, borrowers, and external partners, and ensures loan documentation is accurate, complete, and timely. The Mortgage Loan Administrator delivers a high-quality customer experience while managing multiple loan files across processing, closing, and post-closing stages to support efficient mortgage operations.

Residential Loan Processing and Closing Execution

• Manage residential loan files from intake through post-closing, including document review, verification, condition clearing, and submission to loan servicing.
• Prepare and review loan documents to ensure accuracy, completeness, and compliance with policies and guidelines.

Vendor, Attorney, and Settlement Coordination

• Order and manage third-party services including appraisals, title, flood, and verification reports.
• Coordinate with closing attorneys and settlement agents to schedule closings and finalize documentation.

Compliance and Quality Control

• Review disclosures, underwriting conditions, and final loan documents to ensure compliance with regulatory and secondary market requirements.
• Maintain awareness of regulatory changes and apply updates to loan processing practices.

Customer and Internal Partner Communication

• Communicate proactively with borrowers, Mortgage Loan Originators, Underwriters, and external partners as milestones are achieved.
• Provide clear, timely instructions and updates to support a positive mortgage experience.

Pipeline and Systems Management

• Monitor reports, expiration timelines, and loan milestones while maintaining accurate loan status within the Loan Origination System.
• Manage multiple priorities and workflow demands with strong organization and attention to detail.

• High School Diploma or GED required; Associate’s Degree preferred.
• Two to three years of experience in banking, lending, or mortgage operations.
• Strong customer service, organizational, and analytical skills with the ability to manage multiple priorities.
• Proficiency in reading, writing, grammar, mathematics, and document review.
• Effective verbal and written communication skills with the ability to convey clear, accurate information across multiple parties.
• Demonstrated ability to assess, prioritize, and manage large volumes of documentation.
• Working knowledge of mortgage processing, compliance requirements, and secondary market guidelines preferred.
• Experience with mortgage loan origination systems and core banking platforms preferred.

• Medical
• Dental
• Vision
• 401(k) Match
• Profit Sharing
• Paid Time Off
• 11 Holidays
• Tuition Reimbursement
• Free Parking throughout Tompkins Community Bank
• Employee Referrals

Tompkins is committed to a policy of Equal Employment Opportunity ("EEO") with respect to all team members and applicants for employment and a work environment free from discrimination (including unlawful harassment) based on race, color, religion, sex, sexual orientation, transgender status, gender non-conformity, gender identity, gender expression, national origin, age, marital status, domestic violence victim status, disability, predisposing genetic characteristics, military or veteran status or status in any group protected by federal, state, or local law.

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