Home Loan Doc Drawer

J  o  b    D  e  s  c  r  i  p  t  i  o  n

THE DETAILS

Job Code:

1759

Grade:

14H

Status:

Non-exempt

POSITION AND PURPOSE

The function of this position is to prepare loan documents for all 1st mortgage loans, equity lines of credit and fixed equity loans in accordance with compliance and quality assurance guidelines.

WHO WE ARE

Golden 1 Credit Union is among the top credit unions in the country. As a member-owned, not-for-profit cooperative, Golden 1 is guided by the credit union philosophy of “people helping people.” We are committed to empowering our members and uplifting our communities as we create a more equitable and financially inclusive California. We welcome all who embrace our Core Values.

WHO YOU ARE

You are a detail-oriented and compliance-focused mortgage professional who excels at producing accurate, high-quality loan documentation. You have a strong understanding of mortgage products, regulatory requirements, and closing processes, ensuring loan packages are completed accurately, on time, and in full compliance with state and federal regulations. You thrive in a fast-paced environment, effectively prioritizing work, resolving quality issues, and collaborating with Home Loan Advisors, closing agents, and internal partners to deliver a seamless member experience.

THE WORK

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Draw accurate loan documents using the terms and conditions as specified on the Underwriting Approval and in accordance with specific product and document requirements.

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Review and verify lock information and final fee sheet for accuracy of data.

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Run compliance tests to ensure loan passes all appropriate regulations.

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Review loan for compliance with RESPA, RESPA tolerances, TILA and MDIA.

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Review prepared documents for accuracy prior to documents being forwarded to title/escrow or branch location for member signatures.

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Ensure timeliness of loan documents to meet G1’s turn times, minimum production levels established for position and minimum required quality of loan documents.

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Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including BSA, RESPA, TILA and AML laws appropriate to the position.

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Communication information Home Loan Advisors, internal staff and closing agents.

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Maintain a current working knowledge of mortgage industry and credit union standards and trends.

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Monitor and resolve any quality control issues on relevant loan files.

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Implement procedures to prioritize work within the doc drawing area as volume increases and decreases.

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Perform functions in accordance with Golden 1’s performance competency standards.

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Perform other tasks as assigned.

QUALIFICATIONS

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H.S. Diploma or General Education Degree (GED) required

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1+ years One or more years of responsible doc drawing experience within a financial and/or mortgage banking institution required

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Strong customer/member relation skills

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Strong oral and written communication skills

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Maintain knowledge of real estate industry, knowledge of G1 loan programs, knowledge of FNMA and Investor requirements appropriate for position as well as G1 policies and procedures.

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Attend training provided through seminars, webinars and weekly coaching as compliance, policies/procedures, or work processes dictate change.

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None required

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Takes Initiative - Owns tasks and responsibilities 

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Delivers Results with Agility - Meets deadlines and adapts

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Collaborates Across Teams - Works well within the team Solves Problems Proactively

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Handles day-to-day challenges Builds Trust and Credibility - Demonstrates reliability 

ORGANIZATIONAL CONTACTS AND RELATIONSHIPS

INTERNAL:

Branch staff, Home Loans staff and various other Departments located at Corporate Headquarters.

EXTERNAL:

Members, title companies, escrow agents, sub-escrow agents and various vendors.

WORKING CONDITIONS

Work time includes weekend and after-hours time, based on organizational needs. This position works in-office where working conditions, lighting, temperature, audio, and workspace are all sufficient.

PHYSICAL REQUIREMENTS

Work requires the ability to constantly operate a computer and the ability to read, type, and communicate. Work may require the ability to move work-related supplies weighing up to 10-15 pounds.

DISCLAIMER/INTENT AND FUNCTION OF JOB DESCRIPTIONS

The above information on this description has been designed to indicate the general nature and level of work performed by team members within this classification. Because the nature of positions and job functions can change over time, this job description is not designed to contain or be interpreted as a comprehensive inventory of all essential functions, duties, responsibilities and qualifications requirements of team members assigned to this job. Job duties may be changed or modified in the Credit Union’s discretion. The Credit Union will keep team members updated on key functions, duties, and requirements of their position by communications from the Credit Union and by updating the job description from time to time. Any team member with questions about the nature of their job duties is encouraged to consult with their supervisor.

DECLARATION/ACKNOWLEDGEMENT

This job description outlines the essential functions and physical/mental requirements necessary to perform this role. Reasonable accommodations may be made to enable individuals with disabilities to perform these essential functions.