Home Loan Processor

The Home Loan Processor II is a skilled professional responsible for ensuring the accuracy and compliance of departmental operations. This role collaborates with various teams vendors and members utilizing their expertise to make independent decisions that align with STCUs interests. Key responsibilities include maintaining the integrity of the Home Loan value stream collecting essential documents and coordinating with members.

Core Job Requirements/Outcomes

• Under general supervision prepare government backed mortgage loans such as FHA VA and USDA for initial underwriting submission by conducting a pre-underwriting review of the Uniform Residential Loan Application (URLA) and related documentation to ensure compliance with STCUs loan policies complex investor guidelines and product requirements.
• Ensure timely clearance of pre-closing conditions by independently managing applications coordinating documentation satisfying investor and regulatory requirements and maintaining clear communication with members and internal/external stakeholders such as correspondent lenders realtors appraisers title officers and escrow officers  while maintaining minimum quality and productivity standards.
• Ensure compliance with regulatory and investor standards by staying informed about the latest regulatory policy and procedural requirements related to home loans and ensuring all loan conditions within sign-off authority are accurately reviewed and satisfied in accordance with established guidelines.
• Promote a culture of continuous improvement by actively participating in daily process enhancement activities and encouraging team engagement through professional conduct. Support organizational and departmental initiatives to drive overall success.

Other Essential Functions

• Safeguard the credit unions interests by ensuring compliance with all requirements established by the approving authority.
• Enhance member and staff confidence by demonstrating exceptional communication skills in written verbal and interpersonal interactions.
• Ensure compliance with service level agreements and standards by monitoring the assigned pipeline daily and following established procedures. Additionally provide assistance to other team members as needed.
• Provide operational support to the Home Loan value stream by fostering strong member relationships and aligning efforts with the strategic goals of the department and organization.
• Demonstrate effective communication skills in both written and verbal forms. Collaborate well within diverse teams and work independently with minimal supervision. Uphold integrity and confidentiality with member information fostering trust respect and cooperation among peers.

Qualifications :

Education: High School diploma or equivalent required. Some college course work preferred.

Job Experience: A minimum of three years general mortgage lending experience with at least two years of mortgage processing experience required. One year experience processing government backed mortgage loans such as FHA/VA USDA loans preferred.

Software Skills: Encompass experience preferred. Proficient knowledge of MS Office programs including Outlook Word Excel and Teams. 

Physical Demands: Must be able to regularly talk hear and operate a computer keyboard and mouse and occasionally lift pull/push and carry up to 10 pounds with accommodations. 

Work Conditions: Exposure to constant or intermittent sounds at a low or moderate level consistent with an office setting. Exposure to high-stress fast-paced deadline-oriented environment.

Remote work is available and contingent on consistently meeting performance objectives. Periodic in-person team meetings and check-ins required. 

Additional Information :

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Remote Work :

No

Employment Type :

Full-time