Mortgage Loan Processor/Loan Officer Assistant

Union Square; Wichita Falls (TX); Hybrid; USD 40,000 - 55,000; Full time

Job summary

Union Square Credit Union in Wichita Falls, TX seeks a Mortgage Loan Processor to gather and analyze member financials and determine loan qualifying status. You will ensure timely completion of all steps in the mortgage process and serve as the primary administrative contact for Mortgage Loan Officers.

Daily duties include ordering and reviewing documents, coordinating with processing, underwriting, closing and external partners, and documenting loan files in originations software.

Qualifications

• Previous mortgage loan processing experience is required.
• Knowledge of real estate lending practices and regulatory compliance, including RESPA and TILA, is preferred.

Responsibilities

• Gather, review, and analyze documents (survey, appraisal, credit reports, title work, insurance) to determine loan viability.
• Review credit packages for accuracy and ensure timely disclosures and underwriting readiness.
• Assist residential loan applicants by verifying data completeness and adherence to standards.
• Serve as the primary administrative contact for Mortgage Loan Officers and manage calendars and inquiries.
• Coordinate with processing, underwriting, closing and external partners to keep loans moving toward closing.
• Document loan files in mortgage origination software as required.
• Process purchases, refinances, home equity, and construction loans.

Skills

Mortgage loan processing

Education

High School Diploma or equivalent

Tools

Mortgage origination software

Job description

POSITION SUMMARY:

Gather and analyze financial information on members to determine qualifying status for mortgage loans. Ensure the accurate and timely completion of all steps in the mortgage loan process. Serve as the primary administrative contact for the Mortgage Loan Officers, managing calendars, inquiries, and follow-up tasks.

DUTIES AND RESPONSIBILITIES:

The following duties are normal for this position. These are not to be construed as exclusive or all-inclusive. Other duties may be required and assigned.

• Order, receive, and review all appropriate documents, including survey, appraisal, credit report updates, title work, appraisal, final inspections, hazard insurance, flood certification, flood insurance if required, and other legal documents. Ensure all hazard insurance and flood insurance meet investor requirements prior to the loan closing
• Review and analyze all aspects of the mortgage credit package, including but not limited to the accuracy of the file input, timely delivery of required application disclosures, title policy, assets and asset documentation, income figures, and income documentation, including personal and corporate tax returns, credit report/credit documentation, and appraisal review
• Assist residential loan applicants. Verifying that application data is complete, accurate, and meets established standards.
• Serve as the primary administrative contact for the Mortgage Loan Officers, managing calendars, inquiries, and follow-up tasks.
• Coordinate with processing, underwriting, closing, and external partners (e.g., realtors, title companies, appraisers) to ensure timely movement through the pipeline. Identify and elevate delays or issues that could affect closing timelines.
• Document mortgage loan files within the mortgage loan origination software as required
• Process purchases, refinances, home equity, home improvement, and interim construction loans
• Evaluate credit reports to determine creditworthiness based on industry standards. Prepare loan packages for underwriting review. Process approved mortgage loans. Satisfy underwriter conditions promptly
• Have a working knowledge of FNMA, FHLMC, HMDA, FHA, VA, and State-sponsored down payment and other assistance programs

REQUIRED KNOWLEDGE AND ABILITIES:

Previous mortgage loan processing experience is required. Ability to demonstrate knowledge of real estate lending practices, including federal and state regulations and mortgage compliance with respect to RESPA and TILA. Ability to work in a fast-paced environment while interacting with mortgage loan originators, borrowers, and operations staff. Effective interpersonal relationships with members, management, and team members. Ability to prioritize multiple demands in a high-pressure environment while maintaining a professional demeanor.

EDUCATION:

High School Diploma or equivalent

Union Square Credit Union provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.