Gesa Credit Union · 1 day ago
Home Loan Processor II
Richland, WA
Full-time
Onsite
Entry, Mid Level
$22.92/hr - $38.19/hr
2+ years expGesa Credit Union is committed to empowering communities and values the unique experiences of its team members. The Home Loan Processor II position involves managing residential mortgage loan documentation, ensuring compliance with regulatory guidelines, and facilitating timely loan closings. This role requires advanced knowledge and the ability to handle increased responsibilities beyond the Loan Processor I level.
LendingFinanceCreditFinancial Services
Responsibilities
Review loan application for accuracy, compliance, and completeness ensuring that all loans are prepared and processed to comply with regulatory, lending, investor and secondary market guidelines and policies
Order appraisals, title commitments, tax transcripts, income verifications, government case numbers, fraud, and compliance reports
Effectively communicate and collaborate with borrower(s), loan officers, realtors, vendors and Operations staff providing status updates and outstanding items to facilitate an organized, accurate, and timely closing
Review, collect, and fulfill underwriting conditions
Evaluate appraisals, title policies, credit reports, and income verifications
Examine supporting documentation and investigate any inconsistencies to identify potential fraud or misrepresentation
Ensure re-disclosures are prepared and delivered to the member within regulatory guidelines based on identified change in circumstance
Prepare and deliver documents in an accurate and timely manner adhering to regulatory requirements
Coordinate loan closing, recording, and funding with escrow
Review signed closing documents to ensure accuracy, proper execution, and completeness
Prepare and disburse loan
Perform post-closing responsibilities including packaging and shipping investor loans
Prioritize and monitor daily workload to meet company timeline expectations and lock expirations
Meet minimum monthly goals established by management
Maintain a thorough working knowledge of all credit union mortgage products
Control risk and perform duties in a safe and sound manner maintaining awareness of policies and regulations related to duties and responsibilities
Understand and perform Bank Secrecy Act (BSA) functions applicable to job responsibilities
Attend credit union training sessions, conferences, or seminars as directed and approved by leadership
Maintain a dependable record of attendance and commitment
Maintain a professional, courteous, and friendly attitude and display mutual respect, trust, and dignity while acting in the best interest of the credit union. Lead by example always displaying solid ethics and integrity
Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism
Willingly perform other job-related projects and duties as assigned, self-initiating assistance and requesting assistance from team members when appropriate
Qualification
Required
High school diploma or equivalent completion of specialized course of study, training, and experience
Minimum of two (2) years of mortgage processing experience required
Knowledge in reviewing and analyzing basic income calculations
Experience with loan origination software, electronic file storage systems, and AUS required
Proficient with standard Microsoft Office Suite
Some travel is required to achieve training and business objectives
Valid Driver's License is required
Preferred
One (1) year experience processing Correspondent, FHA and VA loans preferred
Benefits
Competitive Pay
Medical, Dental, Vision, and Life Insurance
20 days/year of Paid Time Off – Plus 10 Paid Holidays!
401(k) Match
Incentive Program
Tuition Assistance and Student Loan Repayment
Commuter Benefits
Paid Time Off to Volunteer in the Community
Product discounts
Engaging Work Environment
Rewards and Recognition Programs
Company
Gesa Credit Union
Gesa Credit Union offers home loans, deposit services, lending services, online services and other financial services.
501-1000 employees
Funding
Current Stage
Late StageLeadership Team
Eddie Santoyo
L&D Partner I, Sales and Service
Guadalupe Anaya
Sr Learning & Development Partner
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