Mortgage Loan Processor
About The Position
Review mortgage loan applications submitted through Blend and entered into Byte Loan Origination System (LOS) for accuracy and completeness. Verify borrower information, including income, assets, employment, liabilities, and credit reports, ensuring proper documentation is obtained. Order and review appraisals, title work, flood certifications, verifications of employment/assets, and other third-party services. Prepare and deliver required loan disclosures and ensure compliance with federal and state lending regulations, including TRID. Communicate clearly and proactively with members, loan officers, real estate agents, and closing agents throughout the loan process. Work closely with underwriters to resolve conditions and provide requested documentation in a timely manner. Maintain detailed and accurate records in Byte LOS and ensure loans meet internal and investor guidelines prior to closing. Monitor pipeline to meet processing turn-time goals and credit union service standards. Support members by providing guidance on documentation requirements and ensuring a smooth and positive mortgage experience.
Requirements
- High school diploma or equivalent required.
- Minimum 2 years of mortgage processing or lending experience in a financial institution or mortgage company.
- Proficiency with mortgage loan origination systems.
- Strong knowledge of mortgage products, TRID, RESPA, HMDA, and other applicable regulations.
- Excellent organizational skills and attention to detail.
- Strong communication skills with the ability to explain complex information in a clear and member-friendly manner.
- Ability to manage multiple files simultaneously while meeting strict deadlines.
- Team-oriented with a commitment to providing outstanding member service.
- Employees must comply with government and other regulations affecting the credit union industry including but not limited to the Bank Secrecy Act and The USA Patriot Act.
Nice To Haves
- associate or bachelor’s degree in business, finance, or related field preferred.
- experience with Byte and Blend strongly preferred.
Responsibilities
- Review mortgage loan applications submitted through Blend and entered into Byte Loan Origination System (LOS) for accuracy and completeness.
- Verify borrower information, including income, assets, employment, liabilities, and credit reports, ensuring proper documentation is obtained.
- Order and review appraisals, title work, flood certifications, verifications of employment/assets, and other third-party services.
- Prepare and deliver required loan disclosures and ensure compliance with federal and state lending regulations, including TRID.
- Communicate clearly and proactively with members, loan officers, real estate agents, and closing agents throughout the loan process.
- Work closely with underwriters to resolve conditions and provide requested documentation in a timely manner.
- Maintain detailed and accurate records in Byte LOS and ensure loans meet internal and investor guidelines prior to closing.
- Monitor pipeline to meet processing turn-time goals and credit union service standards.
- Support members by providing guidance on documentation requirements and ensuring a smooth and positive mortgage experience.
- Availability to work weekends and extended hours.
- Availability to attend special off site sales events and credit union functions, as needed.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
High school or GED
