Point Mortgage Jobs (NOW HIRING)

Serving Others. Enriching Lives.

Our member-centric approach empowers our team members to build lasting relationships with the businesses, families, and communities we serve, leading to opportunities and bright futures for our dedicated mortgage professionals.

We value and respect the impact our colleagues make every day both inside and outside our organization. We encourage professional and personal development and embrace a culture that celebrates and promotes the diverse talents, backgrounds, and perspectives of our colleagues and members.

Join us at TowneBank Mortgage!

Inspired by our hometown roots, TowneBank Mortgage is committed to providing our borrowers with a personalized mortgage experience. As a division of TowneBank, we uphold the principles and philosophies that have been established by our hometown traditions. TowneBank Mortgage provides the personal experience that you expect from a hometown lender with the most advanced technology available to offer affordable loans, quick processing and exceptional service.
Primary Purpose:
The Mortgage Loan Processor / Loan Officer Assistant plays a critical role in turning loan applications into smooth, on-time closings. This position partners closely with Loan Officers, borrowers, and third-party partners to guide loans from application through closing with accuracy, urgency, and exceptional communication. If you love organization, problem-solving, and being the calm in the chaos, this role is for you.

Essential Responsibilities:

• Serve as the operational backbone of the loan process by managing Conventional, FHA, VA, USDA, NC Housing, and VHDA loan files from start to finish.
• Collect, review, and verify borrower income, asset, and liability documentation to ensure accuracy and completeness.
• Act as a trusted point of contact for borrowers—answering questions, following up on outstanding items, and keeping the process moving forward.
• Coordinate and communicate effectively with Loan Officers, Realtors, Underwriting, Appraisers, Attorneys, and other internal and external partners.
• Submit loans through Automated Underwriting Systems (DU, LP, GUS) and analyze underwriting findings.
• Monitor files through underwriting and closing, proactively clearing conditions to ensure timely, stress-free closings.
• Maintain detailed, accurate documentation of all file activity and correspondence.
• Manage and review your pipeline to ensure accuracy, compliance, and deadlines are consistently met.
• Enter and maintain complete and accurate loan data in Encompass.
• Ensure all files comply with bank policies, procedures, and regulatory requirements.
• Stay current on mortgage industry guidelines, regulatory updates, and compliance standards.
• Adhere to all applicable federal laws and regulations, including AML, BSA, and related requirements.
  

Skills & Experience You’ll Need:

• 2+ years of recent experience processing Conventional, FHA, VA, NC Housing, and VHDA loans.
• High School Diploma or equivalent.
• Strong working knowledge of FNMA/FHLMC, FHA, VA, NC Housing, and VHDA underwriting guidelines.
• Solid understanding of real estate lending, compliance, and federal/state regulations.
• Exceptional organizational skills with strong attention to detail.
• Clear, professional verbal and written communication skills.
• Strong computer skills and experience with automated underwriting systems.
• Ability to thrive in a fast-paced, deadline-driven mortgage banking environment.
  

Bonus Points If You Have:

• Experience using Encompass loan origination software.
• Proficiency in Microsoft Word and other Microsoft Office tools.

What We Offer:

When you join our team, take pride in knowing that your work positively impacts others. We offer a space where self-starters, problem solvers and entrepreneurial spirits excel.

• Competitive benefits
• Resources needed to succeed
• Advanced technology
• Excellence in operations
  

Physical Requirements:

• Express or exchange ideas by means of the spoken word via email and verbally
• Exert up to 10 pounds of force occasionally, use your arms and legs, and sit most of the time
• Have close visual acuity to perform activities such as analyzing data, viewing a computer terminal, reading, and preparing documentation
• Not substantially exposed to adverse environmental conditions
• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential responsibilities of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential responsibilities.

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