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Residential Mortgage Loan Processor

2 months ago

Richland, Washington, United States Gesa Credit Union Full time
Job Overview

Level
Experienced

Job Location
South Richland HQ - Richland, WA

Position Type
Full Time - Hourly

Education Level
High School

Salary Range
$37.67 Hourly

Position Summary:

The role of the Home Loan Processor II involves the meticulous ordering, collection, assessment, and preparation of essential documentation for all residential mortgage applications. This includes ensuring that all conditions of the loan are satisfied and that the loan adheres to all regulatory, credit union, and secondary market standards. This position requires advanced knowledge and the ability to manage additional responsibilities beyond those of a Loan Processor I.

Key Responsibilities:
  1. Assess loan applications for accuracy, compliance, and completeness, ensuring adherence to all relevant guidelines and policies.
  2. Request appraisals, title commitments, tax transcripts, income verifications, and compliance reports.
  3. Communicate effectively with borrowers, loan officers, realtors, and other stakeholders to provide updates and manage outstanding items for a smooth closing process.
  4. Review and fulfill underwriting conditions.
  5. Analyze appraisals, title policies, credit reports, and income documentation.
  6. Investigate any discrepancies in supporting documents to identify potential fraud or misrepresentation.
  7. Prepare and deliver re-disclosures in accordance with regulatory requirements.
  8. Ensure timely and accurate preparation of closing documents.
  9. Coordinate the closing, recording, and funding processes.
  10. Verify the accuracy and completeness of signed closing documents.
  11. Disburse loans and manage post-closing tasks, including packaging and shipping investor loans.
  12. Prioritize daily tasks to meet company timelines and expectations.
  13. Achieve minimum monthly performance goals set by management.
  14. Maintain a comprehensive understanding of all credit union mortgage products.
  15. Perform duties with a focus on risk management and compliance with policies and regulations.
  16. Participate in training sessions and professional development opportunities as directed.
  17. Exhibit a professional demeanor and foster a respectful workplace environment.
  18. Safeguard sensitive information with the utmost confidentiality.
  19. Be open to performing additional job-related tasks as needed.
Qualifications:

Requirements:
  1. High school diploma or equivalent, with a minimum of two years of mortgage processing experience.
  2. Preferred experience in processing Correspondent, FHA, and VA loans.
  3. Ability to review and analyze basic income calculations.
  4. Familiarity with loan origination software and electronic file management systems.
  5. Proficiency in Microsoft Office Suite.
  6. Willingness to travel for training and business purposes.
  7. A valid Driver's License is required.
Employee Benefits:

In return for your expertise, Gesa offers a range of benefits, including:
  • Competitive compensation
  • Comprehensive medical, dental, vision, and life insurance
  • 20 days of Paid Time Off annually, plus 10 paid holidays
  • 401(k) matching
  • Incentive programs
  • Tuition assistance and student loan repayment options
  • Commuter benefits
  • Paid time off for community service
  • Employee discounts
  • A supportive work environment
  • Recognition and rewards programs
Salary Range:

$25.11 - $37.67

Gesa Credit Union is committed to providing reasonable accommodations for individuals with disabilities throughout the application and employment process. We are an Equal Opportunity Employer and advocate for workforce diversity.