Mortgage Operations Specialist

Description

Job Summary

The Mortgage Operations Specialist supports the Bank's residential mortgage lending activities by performing a wide range of operational, administrative, and compliance-related functions throughout the mortgage loan lifecycle. Responsibilities include underwriting support, loan processing, construction loan administration, documentation preparation, quality control review, and post-closing activities. 

As a cross trained member of the Mortgage Operations team, this position serves as a key resource to lenders and operations staff, helping ensure efficient workflow, regulatory compliance, and an exceptional customer experience.

Essential Functions

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position.

Mortgage Operations Support

• Assist with in-house mortgage underwriting activities, including pre-approval and post-closing reviews.
• Support the processing and administration of residential mortgage loans from application through funding.
• Prepare, review, and maintain loan documentation utilizing applicable loan origination and servicing systems. 
• Assist with ordering, tracking, and coordinating appraisals, title work, flood determinations, verifications of employment, and other required documentation. 
• Monitor loan pipeline and provide status updates to lenders and management.
• Process mortgage loan funding transactions and ensure timely and accurate disbursement of funds following closing.

Construction Lending Administration

• Support the administration of residential construction loans, including maintenance of  construction loan reports and tracking      systems.
• Process construction draw requests and contractor invoices in accordance with Bank procedures.  

Compliance and Quality Assurance

• Conduct file audits and quality control reviews to ensure accuracy, completeness, and compliance with Bank policies, investor guidelines, and regulatory requirements. 
• Complete adverse action processes, including preparation of notices, supporting documentation, and maintenance of compliance logs. 
• Maintain accurate records, reports, and documentation to support operational effectiveness and regulatory compliance.

Team and Customer Support

• Provide timely support to lenders, operations staff, customers, and third-party vendors throughout the mortgage lending process.
• Collaborate across lending and operations functions to ensure efficient workflow and exceptional customer service. 
• Participate in ongoing training and professional development to remain current on industry trends, regulations, and best practices.
• Perform other duties and special projects as assigned.

Competencies

• Working knowledge of residential mortgage lending and construction lending processes. 
• Understanding of mortgage documentation, underwriting support, closing procedures, and post-closing requirements. 
• Knowledge of applicable banking regulations and compliance requirements. 
• Strong attention to detail with a high degree of accuracy. 
• Excellent organizational, analytical, and problem-solving skills. 
• Ability to prioritize multiple tasks and meet deadlines in a fast-paced environment. 
• Effective verbal and written communication skills. 
• Proficiency in mortgage loan origination, servicing, and document management systems. 
• Strong customer service orientation and commitment to teamwork. 
• Ability to maintain confidentiality and exercise sound judgment.

 Working Conditions

• Prolonged periods of sitting and working on a computer.
• Must be able to move throughout the bank as needed.
• Occasional travel for meetings, training, or professional development activities.
• Ability to manage multiple priorities in a deadline-driven environment.

Requirements

Qualifications

Required

• Associate degree or equivalent combination of education and related work experience.
• Minimum of three (3) years of experience in mortgage lending, loan operations, loan processing, underwriting support, or a related banking function.
• Ability to work independently with minimal supervision.
• Working knowledge of banking products, lending policies, procedures, and regulatory requirements.

Preferred

• Experience  supporting residential mortgage and construction lending operations.
• Familiarity with Freddie Mac guidelines and mortgage investor requirements.
• Experience with mortgage loan origination and servicing software platforms.

At FNB our goal is to be a diverse workforce that is representative of the communities that we serve. All aspects of employment including the decision to hire, promote, discipline or discharge, will be based on merit, qualifications, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law. We are a VEVRAA federal contractor.