The Polish National Credit Union · 20 hours ago
Mortgage Loan Processor
Chicopee,MA,US
Full-time
Onsite
Entry, Mid Level
2+ years expPolish National Credit Union is a member-owned credit union offering a range of banking products and services since 1921. They are seeking a self-motivated Mortgage Loan Processor to handle the processing of mortgage loan products, ensuring compliance with policies and regulations while assisting borrowers throughout the mortgage process.
CommunitiesCredit BureauFinancial ServicesNon Profit
Responsibilities
Performs a variety of duties pertaining to processing mortgage loan products in accordance with PNCU policies and procedures and all applicable governmental regulations
Possesses strong knowledge related to all aspects of residential lending
Reviews all incoming mortgage and home equity/HELOC applications and determines what documents will be required for efficient processing of the application
Accurately prepares and sends all required disclosures in compliance with TRID and other applicable regulatory guidelines
Processes Change of Circumstances and sends revised disclosures when necessary
Ensures the proper and requested documents have been provided before the file is sent to Underwriting
Communicates and directly assists borrowers throughout the mortgage process
Responds to borrower questions and concerns and resolves any issues related to loan documents and e-signing
Able to independently perform accurate income assessment and calculations
Performs a preliminary underwriting assessment of each loan file to ensure the loan is viable
Obtains, monitors and processes incoming documentation, such as credit reports, appraisal reports, flood determinations, tax transcripts, verifications of employment, etc
Orders appraisals and title orders
Communicates file progress with updates as needed to the loan officer, underwriter and closer
Manages their daily pipeline duties with little to no supervision and ensures all contract dates are met
Ensure compliance with company policies, underwriting guidelines, and lending program requirements
Calculates APR’s for rate changes
Promote Polish National Credit Union’s Core Purpose of 'Growing Lasting Relationships to Improve People’s Lives' while demonstrating PNCU’s Core Values
Responsible for completion of all required compliance training, as well as completion of ongoing compliance training which may be assigned throughout the year
Adhere to all credit union attendance policies and standards
Abide by all federal, state, and local laws including but not limited to: The Bank Secrecy Act, including the Office of Foreign Assets Control (OFAC) and Financial Crimes Enforcement Network (FinCEN); Uniform Commercial Code (UCC); Federal Reserve Bank; and National Credit Union Administration (NCUA)
Perform additional duties as assigned
Qualification
Required
Two to five years of mortgage loan processing or related experience
NMLS/SAFE ACT compliant
Knowledge of lending compliance regulations (Reg. Z, RESPA, Truth in Lending, Reg. B, HMDA)
Self-starter, self-reliant, dependable, ability to work within and meet specific time constraints
Team player with positive attitude and willing and able to work well with others
Able to successfully prioritize multiple tasks
Proficiency in Microsoft Office and Outlook
Excellent verbal and written communication skills
Strong interpersonal and communication skills
Preferred
Experience with the Encompass loan origination system preferred
Benefits
Health
Dental
Vision
Flexible spending accounts
Generous 401(k) with employer match
Student Loan Repayment Program
Tuition assistance
Company
The Polish National Credit Union
The Polish National Credit Union is a full-service credit union that offers financial services and credit to community members.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Thomas Donnelly
AVP, Commercial Lending
Recent News
2025-10-17
2025-08-25
2025-06-17
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