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Rally Credit Union · 1 day ago

Home Loan Processing Representative

Corpus Christi, TX

Full-time

Onsite

Entry Level

2+ years exp

Rally Credit Union is seeking a Home Loan Processing Representative to assist with the processing of newly originated loans. The role involves preparing loan estimates, managing documentation, and ensuring compliance with financial regulations.

CreditFinanceFinancial ServicesLending

Responsibilities

Prepare loan estimates with details from purchase contracts and update closing dates, all contact information for realtors/seller/title company, fees, seller credits, earnest money deposits, tax proration, and escrow amounts

Request appraisal, insurance, and title work for each loan

Mail disclosure notices to members for all loan applications

Assign loans to home loans processors

Ensure loan has boarded correctly to Rally CU and sub-servicer system

Upload all home loans documentation for each newly originated loan to sub-servicing partner and to Rally CU optical system

Enter and submit wire for escrow accounts

Ensure original home loans note and deed are properly filed and scanned or delivered to the investor when loan is secondary

Maintain tracking and delivery of trailing documents such as recorded title policy, deed, and Texas home equity security instrument to ensure completion by third party and delivered to Investor when loan is secondary

Review all signed closing documents for completion to allow funding approval

Retrieve missing signatures from home loans loan originator, member and title company

Balance funding notes to the closing disclosure to ensure accurate funding request

Prepare/mail checks and/or wire requests for payments to all parties involved in loan

Ensure accuracy of ACH and mailing addresses for Rally CU and sub-servicing

Ensure PASS on all compliance and HMDA checks

Back up Home Loans Receptionist for lunch coverage and when needed

Deliver paid in full documentation requests to sub-servicing partner

Manage and maintain a clean lobby area and member traffic

Greet members, address inquiries on home loans questions

Answer incoming calls and route to appropriate personnel

Cross sell Credit Union services

Follow current policies and procedures set by the Board of Directors

Comply with financial industry rules and regulations as required by law

All other duties assigned:

Qualification

Home loans experienceCustomer service skillsAdministrative experienceFinancial knowledgeMathematical knowledgeDiscretionOrganizational skillsCommunication skillsTeamwork

Required

High School Diploma/GED

Two (2) years progressive administrative/clerical experience and customer service skills

Wrist / hand movement is inherent in the job, restriction to workstation for extended periods of time

Ability to hear for frequent telephone communications is necessary

Vision abilities required by this job include close vision for frequent viewing of computer monitor and review of documents

Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team

Must have a strong ability to read and carry out various written instructions and follow oral instructions

Must have a strong ability to speak clearly and deliver information in a logical and understandable sequence

Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of member service and discretion when dealing with the public

Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace

Must be able to effectively handle multiple, simultaneous, and changing priorities

Must be capable of exercising highest level of discretion on both internal and external confidential matters

Proven ability to make decisions based upon prior precedence, business knowledge and judgment

Requires basic mathematical and general business knowledge

Most important to this position are reliability, accuracy, timeliness, organizational skills, and follow-through and communication skills

Personal computer with windows environment, copy machine, typewriter, telephone, calculator, and fax machine

Preferred

Financial and home loans experience preferred

Preferred knowledge of federal and state laws and regulations governing home loans lending including but not limited to HMDA, RESPA, REG Z, and ECOA compliance