Ent Credit Union ยท 1 day ago
Mortgage Loan Processor - Westminster, CO
14696 Delaware St, Westminster, CO 80023, USA
Full-time
Hybrid
Mid Level
$25.70/hr - $28.40/hr
3+ years expEnt Credit Union is a leading financial institution that is merging with Wings Credit Union to enhance member services and community impact. The Mortgage Loan Processor will be responsible for analyzing mortgage applications, ensuring compliance with lending guidelines, and providing exceptional service to borrowers and industry partners.
EducationFinanceFinancial Services
Responsibilities
Analyzing mortgage applications and determining all documentation requirements based upon the uniqueness of the property, borrower's credit profile, employment type and history and/or income source(s), asset portfolio, source of down payment, and the loan type being requested and the corresponding investor standards
Organizing the borrower(s) and vendors (title companies, appraisal management co. HOA's, etc.) and communicating the requirements of approval
Retrieval and analysis of documentation, and compilation of a file to be submitted to mortgage underwriting for Conditional Approval
Providing service to borrowers and REALTORs that supports ongoing business development activities of the MLO
Achieving (in partnership with Mortgage Underwriters, Mortgage Closers and other mortgage business units) industry leading NPS scores and industry leading turn times
Achieving compliant and salable mortgage loan production
To ensure the timely and accurate processing of all assigned mortgage loans while maintaining quality standards and timelines
Conduct a detailed analysis of all loan file documentation for credit granting purposes including but not limited to application, credit report, DU Finding, pay stubs, tax returns, asset statements, and third party vendor documentation
Professionally and proactively communicate to all parties to ensure a positive member experience
Analyze all loan documentation for compliance with GSE and Ent portfolio guidelines
Evaluate and independently resolve complications that arise related to loan guidelines, member requests, regulatory requirements, etc
Communicate loan status with members, Mortgage Loan Officer (MLO) and industry partners
Act as the point person for the loan application
Setup loan file by ordering all required services from third-party vendors, such as appraisals, VOEs, VOMs, title commitments, flood certificates, tax transcripts, etc. to meet all required timelines
Update system with accurate closing costs
Conduct pipeline review no less than weekly with MLOs
Keep leadership and MLO informed of progress of mortgage loan file and advise them immediately of any problems that arise
Conduct daily review and follow-up with borrowers and vendors regarding outstanding items; gather necessary documentation as needed
Manage key dates and deadlines and document expiration dates
Research and maintain an updated knowledge of progressing loan program guidelines
Understand and meet all regulatory guidelines to guarantee loan compliance (i. e. points and fees tests, APR, QM, ATR, etc.)
Bank Secrecy Act: Remains cognizant of and adheres to Ent policies and procedures, and regulations pertaining to the Bank Secrecy Act
Qualification
Required
High School Diploma/G.E.D
3+ years' experience in the financial services industry to include: Required
2+ years' mortgage loan processing experience
Working knowledge of first mortgage products, terminology, and process flow
Working knowledge of investor and lending regulations
Ability to analyze member provided documentation (i.e. paystubs, credit reports, assets, tax returns, etc.), purchase contracts, title commitments, and recognize potential red flags/fraud
Strong problem solving ability
Strong win/win focus on coordinating member service and external pressures to create positive outcomes for all interested parties
Ability to prioritize/manage files and allocate resources
Organized, detail oriented, flexible and able to multi-task in an ever-changing environment
Display positive, professional demeanor and work independently with little supervision
Self-motivated
Initiative to meet and/or exceed job standards and willingness to take on other tasks that support the goals of the Credit Union
Effective verbal and written communication skills
Strong mathematical skills
Proficient with the Microsoft Office Suite of tools (Word/Excel/Powerpoint/Outlook)
Preferred
1+ years' experience processing government loans
Benefits
Health Benefits: Affordable insurance, 24/7 doctor access, and a nationwide provider network.
401(k): 3% automatic contribution after three months, plus up to 6% matching.
Paid Time Off: During your first year, enjoy 16 days of paid time off (PTO) plus 9 paid holidays. And it grows from there.
Volunteer Time Off: Paid time off to give back to the community.
Education Support: Up to $10,000 annually for higher education and assistance for certifications.
Exclusive Discounts: Significant savings on home, car, and personal loans.
Company
Ent Credit Union
Ent Credit Union is a financial institution to improving members financial quality of life and returning value through better rates.
1001-5000 employees
Funding
Current Stage
Late StageTotal Funding
unknown2025-04-23Acquired
Leadership Team
Chad Graves
Chief Executive Officer
Annie Snead, CUDE
Community Advocacy Partner
Recent News
2025-10-13
GlobalFinTechSeries
2025-10-09
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