Mortgage Loan Funder - Lead

Luminate Bank® is more than a bank—we're Banking Brighter® by making financial success simple, accessible, and
rewarding. Whether you're purchasing a home, growing your savings, or planning for long-term stability, we offer expert guidance and personalized solutions to illuminate your path. Our seamless digital banking, tailored lending options, and wealth-building strategies empower you to take control of your financial future. With competitive rates, clear insights, and a customer-first approach, we help you make informed decisions with confidence. No matter where you are in your journey, Luminate Bank® is here to support you every step of the way.

The Lead Mortgage Funder is responsible for overseeing the daily execution, accuracy, and timeliness of mortgage loan funding activities. This role serves as the subject‑matter expert for loan funding, warehouse bank coordination, and funding compliance. The Lead Mortgage Funder ensures loans are funded in accordance with investor, warehouse, regulatory, and internal requirements, and partners closely with underwriting, closing, secondary marketing, and accounting to support efficient loan delivery and sale.

Duties and Responsibilities:

• Review closed loan files to ensure all requirement documentation, approvals, and funding conditions have been satisfied.
• Prepare and process funding requests in accordance with warehouse lender and investor requirements.
• Initiate and release wire transfers and funding disbursements following established controls and approvals.
• Ensure loans are funded accurately and within required timelines.
• Assist with reconciliation of self-funded mortgages.
• Process additional wires.

Education, Experience, Skills:

• 2-5 years of mortgage loan funding experience
• Strong understanding of mortgage loan documents and funding requirements
• Experience working with warehouse lenders and wire transfers
• High attention to detail and strong organizational skills
• Ability to manage multiple deadlines in a fast-paced environment
• Strong Excel skills

Benefits:

• 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)

• The opportunity to work for the Midwest’s fastest growing bank

We are an equal opportunity employer and value diversity in our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.