Ent Credit Union · 21 hours ago
Mortgage Loan Processor
14985 Glazier Ave, Apple Valley, MN 55124, USA
Full-time
Onsite
Entry, Mid Level
$25/hr - $28/hr
2+ years expEnt Credit Union, following a merger with Wings Credit Union, is committed to delivering exceptional member service. The Mortgage Loan Processor will ensure compliance with Federal Lending requirements, validate application information, and maintain communication with third-party vendors to facilitate a smooth mortgage process.
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Responsibilities
Ensures all Federal Lending requirements are met under TILA-RESPA regulatory requirements
Works directly with members to collect and validate application information and documentation throughout the mortgage process
Visual inspection of all documentation provided by members for any fraudulent or suspicious activity while adhering to all Federal requirements of Anti-money laundering policies
Requests, monitors and validates timely receipt of mortgage documentation from 3rd parties including appraisal; title commitment; flood certificate; 4506T & TIN matching for Social Security verification
Reviews Tri-merge credit report for any fraudulent alerts that need to be cleared or recent credit inquiries that need to be verified. Updates liabilities on application and verifies payments as necessary
Reviews title commitment to ensure collateral is clear of any liens or judgments that could impact the lien position of Wings
Abides by the U. S. Equal Credit Opportunity Act (ECOA) by providing a copy of appraisal to borrower at least 3 days prior to signing
Maintains open communication with all 3rd party vendors and agents, such as but not limited to Listing Agent, Settlement Agent, and Sellers agent to support a smooth and efficient loan processing experience
Submits Private Mortgage Insurance quotes and determines most suitable PMI provider. Obtains certification prior to close date
Assists Loan Officer in responding to member inquiries regarding application status by phone or email. Also required to meet face to face with members when requested by borrower
First-level member service resolution when there is a complaint or dissatisfied member
Utilizes automated underwriting system (DU) as a processing tool to interpret and ensure loan files meet investor and Wings Financial lending requirements
Secures evidence of property insurance and reviews binder to ensure correct Wings Financial mortgagee clause is in place and collateral is insured sufficiently
Responsible to know and understand all state specific lending requirements for those states that Wings Financial offers financing in such as real estate attorney requirements and community property laws
Ensures for security and privacy of all members personal information & documentation
Adheres to QC standards identified in performance plan
Bank Secrecy Act: Remains cognizant of and adheres to Ent policies and procedures, and regulations pertaining to the Bank Secrecy Act
Qualification
Required
2+ years of mortgage experience or equivalent combination of education and experience required
Encompass system knowledge
Strong organizational skills
Proficient oral and written communication skills
Working knowledge of computer software (Microsoft Excel, Word)
Bondable
Required to obtain or possess a Mortgage Loan originator ('MLO') unique qualifier (NMLS registration number). Must have the ability to successfully completed all MLO Registry requirements, including passing background and credit checks and submitting to fingerprinting and to any other requirements of the rules enacted pursuant to the S.A.F.E. Act
Preferred
College degree preferred
Benefits
Generous 401(k) match
401k Discretionary Profit Sharing
Health Insurance
Dental Insurance
Vision Insurance
Life Insurance
Short Term and Long Term Disability
Health Savings Account with company contribution
Employee Assistance Program
Paid Vacation, Sick, Floating Holidays and Volunteer Time Off
Paid Holidays
Tuition Reimbursement
Paid Parental Leave
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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