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About the Role

Play a vital role in guiding home equity and mortgage applications from submission through clear to close. Collaborate with lending professionals, ensure accuracy and regulatory compliance, and help deliver a smooth, timely lending experience.

Responsibilities

Process home equity and mortgage applications from submission through clear to close across a shared pipeline.
Ensure accurate, compliant, and timely file processing, including the review and clearance of tier-one underwriting conditions within established guidelines.
Support Mortgage Loan Originators (MLOs) and Financial Partners (FP’s) by maintaining accurate loan data in the loan origination system (LOS).
Review submitted information and documentation for completeness, accuracy, and compliance.
Prepare and deliver required disclosures for home equity and mortgage applications within applicable TRID timeframes.
Review application data and supporting documents before submitting files for initial underwriting review.
Order and obtain required 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 MLOs, FP’s, underwriters, and third parties to obtain outstanding documentation and conditions in accordance with established service-level agreements (SLAs).
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 (DU) 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 on pipeline and vendor SLA 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 (BSA) requirements.
Assist in training new employees and recommend improvements to workflow, efficiency, accuracy, and quality.
Collaborate with other teams within Lending regarding Closing and Funding of Mortgages and Home Equity loans, audit requests, research, and any additional tasks.
Meet Core Competency requirements and perform other duties as assigned.

Requirements

Some college preferred.
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 a working knowledge of BSA 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.
Fannie Mae processing experience is preferred.

Skills

Strong attention to detail
Ability to prioritize competing tasks and deadlines
Professional demeanor
Team oriented
Excellent verbal and written communication skills
Ability to communicate recommendations and workflow issues to Management clearly and concisely.

Location

Remote

Work Type

Full-time

Experience Level

2-3 years

Education Level

Some college preferred

Salary/Compensations

$23.93 - $29.91 per hour

Benefits

Paid Time Off & Paid Federal Holidays
Medical, Dental, Vision & Life Insurance
Employee Assistance Program
Flexible Spending Accounts (FSA)/Health Savings Accounts (HSA)
Supplement Benefits: Critical Illness Care, Identity Theft Protection, Pet Insurance, Legal Services
BenefitsPlus+ perks program (travel, entertainment, gift cards and so much more)
CareNet - benefits concierge service
401(k) with 5% Employer Match
Educational Assistance
Paid Time to Volunteer
HFCU Logo-wear

About the Company

Heritage Financial Credit Union is a member-owned financial institution that is committed to helping our members achieve their financial goals and building a stronger community.
We believe that everyone deserves access to affordable financial services, and we are dedicated to providing our members with the tools and resources they need to achieve their financial dreams.
Our vision is to be the leading financial institution in the communities we serve, and we are committed to creating a culture of excellence where our employees can thrive.
We believe in creating a workplace where everyone feels valued and respected, and where we can all work together to achieve our goals.
We recognize that our employees are our most important asset, and we are committed to providing them with the training, development, and opportunities they need to succeed.

Equal Opportunity

Employment at our Credit Union is based upon merit, ability, and qualifications.
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected status.