2104-6 Secondary Market Mortgage Loan Processor / Underwriter

Job Title: Secondary Market Mortgage Loan Processor / Underwriter
Reports To: Chief Lending Officer

This key position is responsible for processing and underwriting mortgage applications intended to be sold to third party investors.


  • Receive mortgage loan applications
  • Obtain credit bureau(s) reports
  • Input loan data for loan compliance and/or underwriting
  • Correspond with lenders or customers with any questions or clarifications
  • Prepare compliance disclosures
  • Accumulate verifications and supporting documentation
  • Complete general underwriting for approvals and to ensure conformance with investor guidelines
  • Coordinate closings
  • Assemble files for transmission
  • Order flood certificates, title work and appraisals. Upon receipt of appraisal, conduct preliminary review and submit for FNMA and FHLMC conformance review.
  • Order verifications of employment, verification of mortgages, and payoffs
  • Perform general administrative duties
  • Comply with all banking regulations, Investor guidelines, bank policies and procedures
  • Maintain all files in support of each new extension of credit or renewal and ensures accuracy and completeness
  • Assures that all necessary documentation has been received and conditions for closings have been met prior to closing of loan
  • Make sure collateral is filed correctly and then received from filing agent and property identified and placed in the proper file
  • Maintain tickler list to ensure documents have been received for loan and forwarded to mortgage investor
  • Assist customer and answer inquiries
  • Assist Secondary Market Coordinator in timely sell and transfer of loans to mortgage investors.
  • Confidentiality is required in all phases of employment.
  • Other duties may be assigned to assist loan production and/or administration of HBT credit facilities. 



Possess a high school diploma or GED certification. Additional education and/or training within real estate lending arena preferred. Possess a minimum of at least two years of banking, legal or real estate experience. Experience in mortgage processing and secondary lending is strongly preferred.

Operate standard office equipment (e.g., personal computer/printer, telephone, fax machine, copier, folding machine, calculator, etc.). Basic PC knowledge.

KEY CONTACTS–Internal and External
Has frequent contact with loan officers and customers.


Qualified candidates may email their resumes to HR@heritagebankandtrust.com.

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