About the position
UNCLE Credit Union is seeking a highly skilled and experienced Senior Real Estate Loan Processor to join our dynamic team. UNCLE Credit Union has been recognized as the Best Credit Union in the East Bay for 7 consecutive years and has been voted a Top Workplace for 3 consecutive years (2022, 2023, and 2024). We are looking for an experienced Senior Real Estate Loan Processor to join our Credit Union. The Senior Loan Processor should have years of experience in processing 1st Mortgages and Home Equity Lines of Credit, excellent attention to detail, ability to multi-task in a high-volume environment, and a skilled approach to customer service to help our members navigate through the mortgage process. The ideal candidate will be responsible for helping to manage the loan process from application to closing and ensuring compliance with all regulations.
Responsibilities
- Serve as the main point of contact for title companies, real estate agents, mortgage loan originator, members, and mortgage underwriters to facilitate a timely loan closing.
- Review, analyze and verify member income, employment history, credit report, and assets.
- Ensure all loan files meet regulatory requirements, FNMA and FHLMC guidelines, and company policies.
- Oversee the timely submission of loans for underwriting approval.
- Monitor key dates and deadlines to ensure timely closing.
- Must understand TRID, LLE and CD set up and balancing for disclosure.
- Obtain and verify that all loan documentation, such as title insurance, appraisals, loan applications, credit reports, and income and asset declarations are accurate and provided promptly to underwriters for loan approval.
- Order third party documentation and reports for residential home loans, create and maintain the mortgage loan file, and assist in clearing underwriting conditions as requested.
- Input loan file documentation accurately into necessary LOS. Experience with Encompass, Meridian Link, and Symitar a plus.
- Experience with completing Salary and Self-Employed Income Calculations Worksheets.
- Ensure that all loan files, credit packages, and disclosure packages comply with company lending policies, as well as state and federal lending guidelines.
Requirements
- High School diploma or equivalent; college degree preferred.
- Minimum of 3-5 years of experience in mortgage lending, underwriting and closing.
- Excellent problem-solving abilities and decision-making capabilities.
- Ability to work under pressure and manage multiple priorities.
- Strong attention to detail and commitment to accuracy.
- High level of integrity and professionalism in handling sensitive data and systems.
Nice-to-haves
- Experience with Encompass, Meridian Link, and Symitar.
Benefits
- Competitive salary and performance-based and corporate bonuses.
- Comprehensive health, dental, and vision insurance.
- 401k Retirement savings plan with 4% employer match.
- Defined Benefit Plan-100% Employer contribution.
- Opportunities for professional development and career advancement.
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