Mortgage Processor II

OnPoint Community Credit Union; Portland (OR); On-site; USD 60,000 - 90,000; Full time

Job summary

OnPoint Community Credit Union seeks a Mortgage Processor II in Portland, OR to apply real estate expertise and meticulous attention to detail in managing loan files and pipelines. You will ensure documentation is complete, data is accurate in LOS, and loans move smoothly toward closing.

You will mentor junior processors, collaborate with lenders, underwriters and the closing team, and help uphold regulatory compliance and customer service excellence across all file stages.

Qualifications

• Must be detail-oriented and able to meet deadlines.
• Strong organizational and verbal/written communication skills.
• Experience in real estate lending or mortgage processing required.
• Government mortgage experience (FHA/VA/USDA) preferred.

Responsibilities

• Review real estate loan files to ensure complete documentation per policy.
• Own pipeline management and update LOS with accurate status information.
• Process loans in compliance with investor and department guidelines.
• Submit files for underwriting with comments and compensating factors.
• Analyze credit reports, tax returns, appraisals and title reports.
• Assist in training and mentoring Mortgage Processors IIs.
• Manage active loan pipeline (40+ loans) and close within 30 days when possible.
• Support compliance with Real Estate guidelines and recommend process improvements.
• Assist Mortgage Processing Managers and collaborate with underwriting/closing teams.

Skills

Self-directed

Detail-oriented

Organizational skills

Communication skills

Math and accounting

Change adaptability

Confidential information handling

Education

High School diploma

Tools

Encompass

Job description

Overview:

As a Mortgage Processor II at OnPoint, your real estate expertise, eye for detail, organizational skills and communication savvy will be fully utilized and appreciated. You will engage with internal and external stakeholdersto build upon on our legacy of service, while being a steward for the safety and soundness of the credit union. By helping members attain key pieces of their financial well‑being– a home and associated mortgage products - you’ll be part of making dreams come true for many generations to come.

Responsibilities:

• Review real estate loan files within expected SLAs of receipt from loan officers to determine if all required documentation has been requested and received, and if not, collaborate directly with others in the department to obtain and resolve.
• Review and correct all data on LOS to ensure accuracy and input in conformance with department policy. Own the pipeline management for assigned loans, including updating information and ensuring status is up to date in LOS reporting system.
• Process loans in conformance with investor/department policy.
• Follow investor/department guidelines for documentation requirements and submit with file for approval to underwriting with all applicable comments noted and compensating factors outlined with minimal oversight from management.
• Analyze credit reports, tax returns, verifications, appraisals, preliminary title reports and other real estate related documentation to determine applicability.
• Assist in the development and training of other staff members in processing, and serve as a mentor for Mortgage Processor Is.
• Process and manage an active pipeline of all loan types (over 40). Process and complete them in less than 30 days from receipt of full application and/or Purchase and Sale Agreement Close of Escrow Dates, with the ability to flex and prioritize as needed.
• Possess strong knowledge and thorough understanding of Real Estate compliance guidelines and ability to implement them.
• Provide recommendations to management for process improvements and/or increased workflow efficiencies.
• Assist Mortgage Processing Manager(s) in other duties as assigned.
• Assist other Processors, Underwriters and the Closing department as an effective team member.

Knowledge, Skills and Abilities:

• Ability to be self-directed, efficient, and meet deadlines and goals.
• Must be detail-oriented.
• Strong organizational skills.
• Good verbal and written communication skills.
• Demonstrated skills in math and accounting.
• Proficiency in operation of Encompass software system a plus.
• Change adaptability.
• Ability to handle confidential material in a professional, ethical manner.

Qualifications:

• High School diploma required.
• Minimum offour years real estate lending experience or a minimum oftwo years of first mortgage real estate processing experience.
• One year government (FHA, VA, or USDA) mortgage experience preferred .

At OnPoint, we believe a workplace that reflects the richness of the world fosters a welcoming and empowering environment for everyone. We're committed to equity and inclusion, and consider all qualified applicants embracing every race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and your unique background.

We encourage you to apply if you're passionate about this opportunity and have the core qualifications. Your unique experiences and skills are what make you a strong candidate. Don’t let imposter syndrome hold you back! Our recruitment process is designed to be inclusive and accessible to all. If you need any accommodations during the application or interview stage, please let us know. We're dedicated to providing what's necessary to ensure a fair and inclusive experience.