Home Loan Processing Spclst

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

THE DETAILS

Job Code:

1837

Grade:

14H

Status:

Non-exempt

POSITION AND PURPOSE

Provide clerical support to the HL Senior Loan Processor. Open and order loan services, index loan documents and make member status calls. Assist with pipeline management of mixed product types including: conventional, jumbo and government products, purchase, refinance and equity transactions, owner-occupied, 2nd home and investment loan types including manufactured housing and condominiums. Partner with the Sr. HL Senior Loan Processor, Processing Supervisor, Processing Manager and internal and external Home Loan Advisors to ensure accurate, efficient and timely loan processing.

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 naturally curious and always looking for better ways to achieve results. You combine analytical expertise, operational knowledge, and problem-solving skills to transform complex data into meaningful insights that improve business performance and decision-making.

THE WORK

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Coordinate and communicate information with Members, Home Loan Advisors and Vendors on loan transaction as it relates to loan processing.

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Coordinate the ordering of all title reports, flood certificates and follow up on appraisal orders. Assist in collection of loan documentation needed for Processing.

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Prepare and upload loan conditions into the LOS (Loan Origination System) with all details for complete tracking purposes.

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Assist with Pipeline Management by performing status calls, requests for documentation and following up on ordered services.

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Assist with call overflow queue.

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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.

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Contribute to a) G1 service levels including turn times and member service scores, b) minimum efficiency levels established for position and c) minimum required loan quality.

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Complete Home Mortgage Disclosure Act (HMDA) information.

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Acquire and maintain knowledge of Golden 1 Credit Union and investor program, guidelines, policy and procedure.

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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) Successful completion of High School curriculum preferred

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Additional work experience may be considered in lieu of a High School diploma

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2+ years mortgage lending experience, processing experience preferred

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Strong analytical and organizational skills.

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Maintain knowledge of real estate industry, Golden 1’s policies, procedures, guidelines and various investor guidelines.

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Strong oral and written communication skills.

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Strong interpersonal skills.

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Strong member relation skills.

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Ability to manage high volume telephone contact.

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

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None

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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:

Home Loan staff, Branch staff and various other staff at Corporate Headquarters.

EXTERNAL:

Title companies, appraisers, realtors, buyers, sellers, members, government agencies and various other 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.