Real Estate Processor - Middletown, NY

Heritage Financial Credit Union • City of Middletown, NY

1d • $24 - $30

About The Position

The Real Estate Processor processes home equity and mortgage applications from submission through clear to close across a shared pipeline. The role is responsible for accurate, compliant, and timely file processing, including reviewing and clearing tier-one underwriting conditions within established guidelines. The processor supports Mortgage Loan Originators and Financial Partners, coordinates with underwriters and third parties, and helps provide members with a smooth, timely lending experience.

Heritage Financial Credit Union is a member-owned financial institution focused on helping members achieve financial goals and strengthening the communities it serves. The organization emphasizes service, integrity, teamwork, respect, and employee development.

Requirements

• Some college preferred, plus two to three years of home equity and/or mortgage processing experience, or a comparable combination of education and experience.
• Thorough understanding of RESPA and TILA guidelines, real estate lending requirements, and mortgage documentation.
• Working knowledge of conventional mortgage underwriting guidelines and Fannie Mae pricing and processing guidelines.
• Must develop and maintain working knowledge of Bank Secrecy Act requirements relevant to the position and cooperate with the designated BSA Officer.
• Experience using PC-based software, including Microsoft Word, Excel, and Outlook.
• Experience processing home equity and mortgage loans.
• Experience reviewing loan documentation.
• Strong attention to detail.
• Ability to prioritize competing tasks and deadlines.
• Professional demeanor and team-oriented approach.
• Excellent verbal and written communication skills.
• Ability to communicate recommendations and workflow issues to Management clearly and concisely.

Nice To Haves

• Some college education.
• Fannie Mae processing experience.

Responsibilities

• Maintain accurate loan data in the loan origination system and review submitted information and documentation for completeness, accuracy, and compliance.
• Prepare and deliver required home equity and mortgage disclosures within applicable TRID timeframes.
• Review application data and supporting documents before submitting files for initial underwriting review.
• Order and obtain third-party items, including appraisals, title work, flood certifications, tax transcripts, mortgage insurance, and Property Access Card information when tax bills are not provided.
• Coordinate with Mortgage Loan Originators, Financial Partners, underwriters, and third parties to obtain outstanding documentation and conditions in accordance with service-level agreements.
• Review, obtain, and submit underwriting conditions, and clear tier-one conditions within established guidelines to support clear-to-close readiness.
• Interpret credit reports, appraisals, title documentation, and Desktop Underwriter findings as needed to support file processing.
• Maintain complete digital and hard-copy loan files by scanning, indexing, and verifying documents in the imaging system.
• Support balanced workflow across the shared home equity and mortgage pipeline by assisting with file assignment and workload coordination as directed.
• Monitor and report pipeline and vendor service-level agreement performance as assigned, and communicate delays or workflow issues to Management.
• Comply with applicable federal and state regulations and credit union policies and procedures, including relevant Bank Secrecy Act requirements.
• Assist in training new employees and recommend improvements to workflow, efficiency, accuracy, and quality.
• Collaborate with other Lending teams on mortgage and home equity closing and funding, audit requests, research, and additional tasks.
• Meet Core Competency requirements and perform other duties as assigned.

Benefits

• Paid time off and paid federal holidays.
• Medical, dental, vision, and life insurance.
• Employee Assistance Program.
• Flexible Spending Accounts and Health Savings Accounts.
• Supplemental benefits, including critical illness care, identity theft protection, pet insurance, and legal services.
• BenefitsPlus+ perks program, including travel, entertainment, and gift cards.
• CareNet benefits concierge service.
• 401(k) with 5% employer match.
• Educational assistance.
• Paid time to volunteer.
• HFCU logo-wear.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed