Mortgage Loan Processor II

Altura-Credit-Union

Riverside (CA)

Hybrid

USD 55,000 - 75,000

Full time

43 hours ago

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Benefits offered by this job

Vacation days

Sick days

Holidays and special leave

Birthday/anniversary day off

401k match

Job summary

Altura-Credit-Union seeks a mortgage loan processor to assist in fulfilling member home loan requests. You will order, receipt, and complete required documentation, review loan applications, credit documents, appraisals, and coordinate with members, real estate agents, and vendors to finalize loan packages for underwriting.

The role requires collaboration with Underwriting and external investors, ensuring accurate information and timely submission of loan files for decision making.

Qualifications

High school diploma or equivalent is required.
Minimum of four (4) years current Processing and loan set up experience in Conventional, FHA, VA, Jumbo and Second Mortgage loan products.
Understands and complies with all Real Estate Lending Federal and State Regulations.
Provide high quality service by communicating clearly with borrowers, internal counterparts, and various third parties during the loan transaction.
Reports to work on time, takes required breaks, and adheres to scheduled hours.
Processes Conventional, FHA, VA and Jumbo Mortgage Loans by reviewing loan packages and determining what further documentation will be required, adhering to Altura’s documentation requirements.

Responsibilities

Processes Conventional, FHA, VA, Jumbo, and Second Mortgage Loans by reviewing loan packages and determining further documentation required.
Provide high quality service by communicating clearly and effectively with borrowers, internal counterparts, and various third parties during the loan transactions
Package, gather conditions and submit loan files to underwriters and/or external investors
Responds to member inquiries; answer questions, resolve problems and provide solutions
Must have the ability to perform under strict deadlines and other time constraints
Understands and complies with all Real Estate Lending Federal and State Regulations

Skills

Communication

Customer service

Deadline-driven

Regulatory compliance

Education

High school diploma or equivalent

Job description

Hybrid position that assists in the fulfillment of member home loan requests through the timely ordering, receipt, and completion of required documentation. Obtains and reviews necessary information (i.e., loan applications, credit documents, appraisals, etc.) to process and complete mortgage loan files. Works with members, real estate agents, and third-party real estate vendors to obtain and verify the accuracy of all information required to submit loan applications for decision-making. Recommends loans for approval to the Underwriting team.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Processes Conventional, FHA, VA, Jumbo, Second Mortgage Loans by reviewing loan packages and determining what further documentation will be required, adhering to Altura’s and Investors’ documentation requirements
Provide high quality service by communicating clearly and effectively with borrowers, internal counterparts, and various third parties during the loan transactions
Package, gather conditions and submit loan files to underwriters and/or external investors
Responds to member inquiries; answer questions, resolve problems and provide solutions
Must have the ability to perform under strict deadlines and other time constraints
Understands and complies with all real estate Lending Federal and State Regulations

EDUCATION, EXPERIENCE and QUALIFICATIONS

T o perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

High school diploma or its equivalent is required.
Minimum of four (4) years current Processing and loan set up experience in any combination of Conventional, FHA, VA, Jumbo and Second Mortgage loan products.
Understands and complies with all Real Estate Lending Federal and State Regulations.
Provide high quality service by communicating clearly and effectively with borrowers, internal counterparts, and various third parties during the loan transaction.
Reports to work on time, takes required breaks, and works for the full amount of time scheduled before leaving, or notifies the supervisor if any deviation from these responsibilities is necessary.
Processes Conventional, FHA, VA and Jumbo Mortgage Loans by reviewing loan packages and determining what further documentation will be required, adhering to Altura’s documentation requirements.

Why Altura?

WORK-LIFE BALANCE