[Hiring] Home Loan Processor @Golden 1 Talent Acquisition Team

Role Description

You are recognized for combining sound judgment with a practical approach to problem solving. You excel at managing mortgage transactions, coordinating stakeholders, and ensuring complex loan files are processed accurately, efficiently, and in compliance with regulatory requirements.

• Coordinate and communicate information with Members, Home Loan Advisors, and Vendors for loan transactions as it relates to loan processing.
• Coordinate the ordering of all title reports, flood certificates, and follow up on appraisal orders.
• Review all documentation received for accuracy and determine if additional research or documentation is required.
• Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including BSA, RESPA, TILA, TRID, and AML laws appropriate to the position.
• Review and calculate income, including tax returns, and funds verification (assets) from documentation received in accordance with investor guidelines as well as Golden 1’s policies/procedures and update LOS (Loan Origination System) accordingly.
• Read and interpret Desktop Underwriter (DU) findings. Rerun/Update DU with all updated calculations, appraised value, available funds prior to final approval submission to underwriting, ensuring both DU and the LOS systems match the documentation in file.
• Review and evaluate credit documentation for compliance with investor & Golden 1’s policies.
• Prepare and process general correspondence and document exchange updating LOS (Loan Origination System) with all details for complete tracking purposes.
• Manage pipeline to meet:
  • G1 service levels including turn times and member service scores,
  • minimum efficiency levels established for position, and
  • minimum required loan quality.
• Complete Home Mortgage Disclosure Act (HMDA) information.
• Maintain and respond to quality control issues.
• Acquire and maintain knowledge of FNMA, G1CU equity products and related investor guidelines.
• Perform functions in accordance with Golden 1’s performance competency standards.
• Perform other tasks as assigned.

Qualifications

• H.S. Diploma or General Education Degree (GED) preferred.
• Additional work experience may be considered in lieu of a High School diploma.
• 2+ years mortgage lending experience, processing experience preferred.

Benefits

• Market-competitive and internally equitable total rewards compensation package.
• Programs designed to attract, motivate, and retain employees.
• Comprehensive compensation package.
• Well-being and work-life balance.
• Career development and growth.
• Rewards and recognition.
• Commitment to Diversity, Equity, and Inclusion.
• Fostering a workplace where every employee is recognized, valued, and motivated to contribute their best.