HELOC Loan Processor
HELOC Loan Processor
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Job Description
CIVIC CULTURE
Our organization believes we can all do well by doing good. We value the contributions of diverse minds and prioritize the success and well-being of our employees. We also believe every person in our organization plays a role in supporting a healthy environment and helping to achieve our goal of prosperity for all. To this end we recruit bright energetic and talented people to be members of our return we offer a dynamic workplace that presents opportunities for professional advancement and individual growth. We strive to always display integrity self-awareness courage and respect for one another while continuing to seek opportunities to learn. We really believe that when our employees succeed our community wins.
ABOUT THE POSITION
The Home Equity Line of Credit (HELOC) Loan Processor is responsible for managing all post-approval processing activities required to move Home Equity Line of Credit (HELOC) applications toward closing. This includes communicating with members to collect stipulations ordering and reviewing property-related due diligence validating title and insurance documentation and coordinating internally to ensure loans are ready for document generation and funding. This position is critical to ensuring lien perfection regulatory compliance and timely closings. The HELOC Loan Processor supports both digital and branch-referred HELOC applications within a centralized loan fulfillment model and works closely with internal teams and external service providers.
NORMAL DAY-TO-DAY WORK
- Serve as the primary point of contact for members following loan approval guiding them through the documentation and stipulation collection process needed to proceed to closing.
- Order and track third-party due diligence including title search or preliminary title report flood zone determinations property tax verification property valuations or AVMs (as applicable) and proof of current homeowners insurance.
- Review title documentation to confirm clear ownership no outstanding liens or judgments legal description accuracy and acceptable lien position for recording.
- Coordinate with title companies or legal vendors to resolve title exceptions unpaid liens or other curative items.
- Review homeowners insurance and when required flood insurance to confirm appropriate dwelling coverage Civic listed as mortgagee/loss payee and that deductibles meet internal guidelines.
- Validate that all underwriting conditions and stipulations have been received complete and properly documented before submission to closing preparation.
- Maintain digital loan files and documentation in the loan origination system (LOS) ensuring files are updated in real time and fully complete.
- Coordinate with internal teamsincluding Underwriting Fulfillment and Post-Closingto ensure loan files are clean compliant and ready for closing document generation.
- Track closing timelines and escalate any delays missing items or document issues to the Loan Processing Lead or appropriate parties.
- Follow up on trailing items after closing including title policy delivery and recorded mortgage/deed verification to confirm lien perfection.
- Participate in training sessions and process updates to maintain accuracy efficiency and compliance with changing HELOC guidelines or regulations. Assist in quality control reviews document imaging and audit preparation as needed.
- Take ownership for actions decisions and results; openly accept feedback and demonstrate both the willingness and ability to improve.
JOB QUALIFICATIONS
Here are a few skills you MUST have to be qualified for this position.
- 1 3 years of HELOC or mortgage processing experience in a centralized lending environment.
- Strong knowledge of home equity lending documentation including title review insurance validation and lien perfection practices.
- Familiarity with HELOC compliance and due diligence requirements including TRID RESPA ECOA and related federal/state regulations.
- Experience working with members to collect documentation and manage pipeline expectations professionally and accurately.
- Proficiency in loan origination systems (LOS) and digital document platforms.
- Excellent attention to detail and organizational skills to manage a high-volume pipeline.
- Strong communication and problem-solving skills for working with members and external vendors.
- Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC copier telephone etc.
- Ability to lift a minimum of 25 lbs. (file boxes computer).
- Travel required on occasion.
Here are a few qualities wed LIKE for you to have to make you more suited for this position.
- Credit Union experience preferred particularly in a digital or centralized lending model.
- Exposure to Fiserv Velocity or similar LOS platforms.
- Familiarity with e-signature or remote notarization processes.
- Experience coordinating title curative work or lien release follow-up.
- Bilingual (Spanish) is a plus.
CONTACT US
If you have questions about this position description please feel welcome to ask. You can reach our HR Department at:
Civic Human Resources
3600 Wake Forest Road Raleigh NC 27609
Employment Type
Full-Time
