Mortgage Loan Processor II

Ibc Bank Position Ibc Bank successes are the result of an aggressive and innovative attitude. The Bank's "We Do More" philosophy reflects its dedication to the growth and success of its employees, customers and communities.Ibc bank hires talented, creative and dedicated individuals to help our business succeed.We are a company that values leadership, community engagement and relationship building that leads to a culture of excellence.We are currently seeking to fill positions across all business segments. IBC's focus is to be customer centric and strive to provide excellent customer experience. Department: 1030 Mortgage Processing Job Summary This position reports directly to the Processing Manager. The Loan Processor II is the primary contact for the borrower and works closely with them to provide an excellent customer experience. The processor is responsible for verifying, compiling, and reviewing information on mortgage loan applications. They ensure that residential loan application files are complete and adhere to established standards. Essential Job Functions Fosters strong relationships with the borrower, Mortgage Loan Originator, Underwriter, Closer, and Title Company and disseminates information promptly Communicates with the borrower and all interested parties to close files in a timely manner Facilitates the loan timeline and processes to meet our borrower's expectations Completes the initial review of the loan file and conducts a welcome call to borrower to ask any questions and introduce themselves Maintains and updates loan information in Encompass including uploading documents Evaluates all documentation for accuracy and completeness before submitting a file to Underwriting for Initial approval Ensures all Change of Circumstance requests sent to Audit queue (except for lock) within compliance required timeframes Manages pipeline daily to ensure all requests are completed within the required timeframe, to stay in compliance Reviews Underwriting approval and communicates outstanding conditions still needed to the borrower and the Mortgage Loan Officer Responsible for ordering and following up on Insurance, title, appraisals, verifications needed, credit supplements, LDP/GSA, payoffs, etc. Maintains every other day follow-up with the borrower on items needed to complete a file Analyzes for accuracy, conditions received from borrowers and partners; responsible for obtaining corrections/updates when needed. Assists all other departments when needed Verifies all customer files are complete and comply with all applicable laws and regulations related to mortgage lending. Ensures customer privacy, security of files, and appropriate staff access Performs other related duties as assigned Skills Proficient with Encompass, or similar loan operating system, and running a desktop underwriting program Strong attention to detail with good data entry skills Excellent communication skills; must be professional, courteous, and confident Strong working knowledge of FNMA, FHLMC, FHA, VA, USDA guidelines Thorough understanding of mortgage terminology like DTI, LTV, and PITI Understanding of real estate lending practices including federal and state regulations Ability to work in a fast-paced environment while maintaining outstanding customer service Team Player with effective time management and organizational skills Bilingual/Spanish a plus Education Bachelor's Degree required plus two years of direct industry experience OR Seven years direct industry experience may be substituted

Created: 2026-03-10