HELOC Processor

TTCU•Tulsa, OK

5d•Onsite

About The Position

The Home Equity Line of Credit (HELOC) Processor I is responsible for managing and processing HELOC loan applications from submission through closing. This role involves ensuring all documentation is complete, accurate, and compliant with regulatory standards and company policies. Key responsibilities include title search requests &/or curative requirements, flood certifications, clearing any applicable stipulations, closing process, generating closing documents, gathering signatures from borrower(s), and initial disbursement (if applicable). They must communicate professionally and effectively while working efficiently in a fast-paced environment. This position requires strong organizational skills, attention to detail, and a willingness to learn and grow in the retail lending environment.

Requirements

High School Diploma or GED required.
Reliable transportation is required.
Must have and maintain a valid driver’s license
General retail lending & processing experience: 1 year
Intermediate computer skills in MS Office Suite (Word, Excel, Outlook, PowerPoint, Microsoft Teams) and Encompass
Basic understanding of retail lending processes and terminology
Strong organizational and time-management skills
Attention to detail and accuracy
Excellent communication and interpersonal skills
Ability to work effectively in a team environment and independently
Strong problem-solving skills and the ability to handle multiple tasks simultaneously
Ability to learn proprietary computer software such as Keystone and OnBase
Intermediate written and verbal communication skills required to facilitate sharing of information with members, staff, and external contacts.
Ability to create an atmosphere which promotes TTCU’s Core Values by maintaining a high level of personal integrity, presenting a friendly, enthusiastic, and professional demeanor while providing extraordinary service to employees and members and fostering teamwork among employees.
Must be able to perform job functions either independently or under supervision and work effectively on own.
Must be able to plan their own work activities as well as take direction.
Must be able to read and carry out various complicated written and oral instructions.
Must be able to speak clearly and deliver information in a logical and understandable sequence.
Must be able to perform basic mathematical calculations with extreme accuracy.
Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public.
Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace.
Must be able to effectively handle multiple, simultaneous, and changing priorities.
Must be capable of exercising highest level of discretion on both internal and external confidential matters.

Nice To Haves

Willingness to learn and grow in the retail lending environment.

Responsibilities

Review and process HELOC loan applications, ensuring all required documents are collected, verified, and meeting underwriting guidelines.
Verify borrower information, including income, employment, assets, and liabilities, to ensure accuracy and completeness.
Maintain organized and detailed HELOC loan files, ensuring all documents are properly filed and accessible.
Ensure all loan files comply with federal, state, and company policies and regulations.
Stay informed about industry trends, regulatory changes, and best practices to continually improve the HELOC processing function.
Act as a liaison between member outreach specialist(s), borrowers, underwriters, and other related parties to facilitate a smooth loan process including loan closing.
Identify and resolve issues or discrepancies in loan files, escalating complex issues to the appropriate parties as needed.
Provide exceptional member service to borrowers, answering questions, and addressing concerns throughout the loan process.
Manage and process HELOC loan applications from submission through closing.
Ensure all documentation is complete, accurate, and compliant with regulatory standards and company policies.
Handle title search requests &/or curative requirements.
Process flood certifications.
Clear any applicable stipulations.
Manage the closing process.
Generate closing documents.
Gather signatures from borrower(s).
Handle initial disbursement (if applicable).