Real Estate Processor II

USAA•Phoenix, AZ

7d•$43,680 - $76,610•Hybrid

About The Position

As a Real Estate Processor II, you are responsible for managing mortgage loans through the fulfillment process from application submission to final decision. You verify the accuracy and completeness of loan documentation, ensure compliance with applicable regulations and investor requirements, and maintain a high standard of quality throughout the process. By building effective partnerships with internal teams and external stakeholders, you help drive timely loan decisions while providing an exceptional experience for our members through proactive communication and diligent pipeline management. We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position is based in Phoenix, AZ. Relocation assistance is not available for this position.

Requirements

High School Diploma or General Equivalency Diploma.
1 year of customer service experience.
Acquisition and maintenance of NMLS registration and any other applicable licenses/state registrations as required.

Nice To Haves

Active NMLS registration
Experience handling inbound and outbound customer interactions
Bachelor's degree or equivalent work experience
Experience de-escalating customer concerns and resolving issues professionally
Real estate, mortgage, banking, or financial services experience
US military experience gained through military service or gained as a military spouse / domestic partner

Responsibilities

Performs all processing, pre-underwriting, and pre-closing tasks required to proactively manage a pipeline of mortgage loan files from receipt in processing to final disposition.
Processes VA or Conventional loan applications and receives Jumbo and New Construction loans to initiate processing with peer assistance.
Verifies accuracy and adherence to investor guidelines of all documents required for a complete submission to Underwriting.
Ensures timely submission for redisclosure when a change in circumstance occurs to prevent cures and lender monetary losses.
Responsible for timely response to all member and third-party inquiries and adherence to all contact routines.
Consistently meets target service level objectives for dispositioning a minimum percentage of starting month's pipeline.
Meets or exceeds team's monthly performance goals to include production, quality, and member satisfaction.
Initiates follow-up phone calls to members and third parties to obtain necessary loan documentation, title, credit, and/or collateral information.
Meets stated objectives for quality submissions to Underwriting.
Maintains proactive review of pipeline to ensure that rate locks do not expire and lender paid rate locks do not exceed maximum dollar threshold set by management.
Meets quality objectives for Final Approval status and maintains minimum threshold for Underwriting re-finals.
Coordinates closings with all parties and assists with post-closing follow-up, as applicable.
Seeks guidance from team members for problem resolution and escalates where appropriate.
Completes all compliance courses and mortgage product training and assessments, required by the business.
Builds strong foundational skills in real estate mortgage lending.
Ensures adherence and compliance with all state, federal and investor guidelines and regulations
Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.