Mortgage Loan Processor – Construction and Renovation

Luminate Bank

Mortgage loan processor managing construction and renovation loan documentation for Luminate Bank, a fast-growing U.S. financial institution.

Posted 8/5/2026full-timeRemote • Minnesota • 🇺🇸 United StatesMid-LevelSenior💰 $30 - $34 per hourWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in mortgage loan processing, including thorough knowledge of mortgage products, underwriting guidelines, and compliance standards. Proficient in managing documentation and timelines for construction and renovation lending while ensuring adherence to regulations.

Highest-signal resume keywords

Mortgage Loan ProcessingUnderwriting GuidelinesCompliance StandardsMicrosoft Office ProficiencyConstruction Lending Documentation

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Loan Application ReviewDocumentation VerificationRisk IdentificationLoan Origination System MaintenanceFHA 203(k) KnowledgeFannie Mae HomeStyle® Renovation KnowledgeAgency One-Time Close (OTC) Knowledge

Soft Skills

Interpersonal SkillsCommunication SkillsDetail-OrientedProblem-Solving AbilitiesOrganizational Abilities

Tools & Technologies

Mortgage Processing Systems

Industry Keywords

Federal RegulationsState RegulationsInvestor RegulationsLending Environment

About the role

Key responsibilities & impact

Review loan applications for accuracy and completeness
Collect, verify, and analyze supporting documentation, including income, assets, credit, title, and appraisal
Submit complete loan files to underwriting within established timelines
Ensure all conditions are met prior to closing
Act as the primary point of contact for Loan Officers, borrowers, and third-party vendors during processing
Provide clear and timely loan-status updates to stakeholders
Collaborate with underwriters, closers, and other team members to resolve issues
Ensure adherence to federal, state, and investor regulations and company policies
Maintain accurate records in the loan origination system
Identify and escalate potential risks or red flags during loan review
Deliver high-quality service to internal and external clients
Guide borrowers through document requirements and answer processing-related questions

Requirements

What you’ll need

Proven experience as a mortgage loan processor or in a similar role
Strong understanding of mortgage products, underwriting guidelines, and compliance standards
Excellent interpersonal and communication skills, including phone conversations
Exceptional operational flexibility in a fast-paced, evolving lending environment
Detail-oriented with strong problem-solving and organizational abilities
Proficiency with mortgage processing systems and Microsoft Office
Experience managing construction and renovation lending documentation, compliance, and timelines
Understanding of ground-up new construction financing
Knowledge of Agency One-Time Close (OTC) loan programs
Knowledge of FHA 203(k) and Fannie Mae HomeStyle® Renovation loans
Bachelor’s degree in business, finance, or related field preferred (not required)

Benefits

Comp & perks

Competitive compensation reliant on ability and experience
Excellent benefits package including health, pre tax HSA, FSA accounts and dental & vision
Life and AD&D Insurance, as well as additional voluntary benefit possibilities
401K with robust company match
Flexible PTO program
Earned Sick & Safe Time (ESST)
Full-time benefit eligibility
The opportunity to work for the Midwest’s fastest growing lender