Mortgage Loan Processor
|Aug. 12, 2016 - Aug. 31, 2019|
|Department:||Elevations Credit Union|
|Description:||Position Summary: To process mortgage loans from applications received from Loan Originators to submitting to underwriting, clearing conditions and obtaining final approval. Assure compliance with regulatory and investor guidelines including, but not limited to, RESPA, HUD, FHA, FNMA/FHLMC guidelines and Customer Service Standards set by Elevations Credit Union. As a processor, you will be expected to demonstrate a sense of urgency, willingness to work closely with others and be part of a team. Assume primary responsibility for the loan and proactively communicate with members, internal staff members, realtors, title companies, etc. to respond to inquiries and resolve problems. You will be expected to ensure pricing and fees are accurately reflected on each transaction and obtain and review all necessary appraisals, title and tax certificates, credit documents, mortgage insurance, flood and hazard insurance, HOA certificates, subordination agreements and other documents as required. Maintain knowledge of regulatory changes, external and internal compliance requirements and to ensure loan salability. Our Loan Processors are dedicated to providing world class service that will maintain and grow a customer’s relationship with Elevations Credit Union.|
Education Requirements: High School diploma or equivalent required; associates degree preferred
Knowledge, Experience and Skill Requirements:
• Four years relevant Mortgage Loan Processing experience
• Recent an consistent experience with al GSE investors, DU, LP and DE preferred
• Thorough knowledge of loan processing, credit policies, closing policies, procedures, approval processes, documents, underwriting requirements, governmental and agency requirements, terminology and automated processing systems
• Strong PC skills (MS Office) required
• Experience with mortgage origination systems/banking systems particularly relating to processing preferred
Knowledge of federal lending regulations governing residential real estate lending
Required Competencies: Applied Learning, Managing Work, Decision Making, Communication, Work Standards, Initiating Action, Building Customer Loyalty, Collaboration, Adaptability
This Job Description is not a complete statement of all duties and responsibilities of this position and may change with or without notice.
Candidates for certain positions may be required to submit to a credit history report in determining qualification for employment with Elevations Credit Union. If the position you are applying for requires a credit history report, any information received in such report will be not be the sole factor in making an employment decision. A history of personal financial irresponsibility may be reason for disqualification insofar as it relates to your potential job duties. Elevations Credit Union is aware that occasionally there are extenuating circumstances that may affect an individual's credit history. We comply with the Fair Credit Reporting Act and the Colorado Employment Opportunity Act.
•Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.
•Please view Equal Employment Opportunity Posters provided by OFCCP here.
•The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information.
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