Charles Town, WV

Mortgage Loan Processor



To process and prepare mortgage loans for closing under various loan programs (portfolio, government, secondary market, construction/perm, purchase and refinance) in accordance with BCT and secondary market policies and procedures.


Reports To: Mortgage Operations Supervisor
FLSA Status: Non-Exempt



  • Ensure the timely and accurate processing of mortgage loan files

  • Complete processing tasks within established time frames

Customer Service

  • Ability to meet the public well and to deal effectively with their questions or concerns. Must adhere to BCT “Monster Service” principals consistently

  • Keep a working knowledge of the Bank’s products and services

  • Look for opportunities to explain, promote or sell products and services and utilize the bank’s referral software to make proper referrals

  • Handle customer complaints or questions and take action to remedy problem situations; if needed involve supervisor and provide background information along with a recommendation for resolution

  • Must have the ability to establish and maintain effective working relationships with coworkers, customers and 3rd party businesses

Processing Functions

  • Analyze applications and automated findings reports for accuracy and address discrepancies as needed, by making corrections utilizing knowledge of various program requirements, prior to submission to underwriting.

  • Submit loans to underwriting according to various investors submission processes and requirements.

  • Gather info and ensure the loan package meets the specific guidelines by verifying supporting documents including income, assets, credit, appraisal, homeowner’s insurance and title documents.

  • Review loan approval requirements and translate requirements to the parties.

  • Complete vendor orders for loan processing; title, appraisal, insurance, etc.

  • Meet established turn times for submission to underwriting, ordering services, and communicating status updates to all parties.

  • Maintains cancel/denied/withdrawn registrations and completes HMDA reporting details.

  • Backup daily accounting functions as needed.

  • Compose and proofread routine correspondence, reports and manuals for department using computer skills and word processing software.

  • Assists manager and staff with administrative duties


  • Maintain neat and orderly work area and ensures that all negotiable and confidential records are properly secured

  • Understand role in case of robbery

  • Professional appearance that evokes the customer’s trust

  • Adhere to all bank policies and procedures and to internal controls and system access restrictions

Other duties may be assigned.


  • Self-Development:  Obtain additional education and/or training to remain current on all regulatory requirements, improve knowledge, and diversify skills

  • The capacity to cross train in other areas is particularly helpful

  • Customer confidentiality:  never reveal or divulge customer information to anyone outside of the Bank

  • Ability to adhere to BCT’s core values:  Integrity, Teamwork, Growth, Customer Commitment, Community Focus

  • Versatility:  Ability to multi-task under pressure and in a fast paced environment


To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.  The requirements listed below are representative of the knowledge, skill, and/or ability required.  


High school diploma or general education degree (GED) with at least 2 years of mortgage processing experience. 


  • Position demands a person with a pleasant and professional personality, high degree of accuracy, attention to detail, good organization skills, and excellent customer service skills

  • Ability to adhere to BCT’s Core Values:  Integrity, Teamwork, Growth, Customer Commitment, Community Focus

  • Ability to work efficiently and accurately in an atmosphere of frequent interruption

  • Ability to understand and carry out oral or written instructions and to request clarification when needed

  • Must have basic skills in operating a computer and adding machine

  • Ability to read and interpret documents such as loan documents, appraisals, contracts and procedure manuals

  • Ability to communicate effectively in oral and written formats, maintaining a clear and understandable manner

  • Ability to answer telephones and greet public in a friendly and courteous manner

  • Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form 


BCT is a 100% smoke-free company


The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel; and talk or hear.  The employee frequently is required to stand, walk, and reach with hands and arms.  The employee must occasionally lift and/or move up to 10 pounds.