Remote Mortgage Loan Processor—Detail-Driven & Compliant

Golden 1 Talent Acquisition Team; Sacramento (CA); Remote; USD 3,499,000 - 4,133,000; Full time

Job summary

Golden 1 Credit Union in California is seeking a Home Loan Processor to manage mortgage transactions, coordinate stakeholders, and ensure loan files are processed accurately and in compliance with regulatory requirements. This non-exempt, remote-in-California role supports Home Loan Operations, reports to Supervisor - Home Loan Processing, and offers a pay range of $25.40 to $30.00 per hour.

Qualified candidates have 2+ years mortgage lending or processing experience, and a High School diploma

Qualifications

• H.S. Diploma or General Education Degree (GED) preferred
• Additional work experience may be considered in lieu of a High School diploma.
• 2+ years mortgage lending experience, processing experience preferred

Responsibilities

• Coordinate and communicate information with Members, Home Loan Advisors and Vendors for loan processing.
• Coordinate the ordering of all title reports, flood certificates and follow up on appraisal orders.
• Review all documentation received for accuracy and determine if additional research or documentation is required.
• 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.
• Review and calculate income, including tax returns, and funds verification (assets) from documentation received in accordance with investor guidelines as well as Golden 1’s policies/procedures and update LOS accordingly.
• Read and interpret Desktop Underwriter (DU) findings.
• Rerun/Update DU with all updated calculations, appraised value, available funds prior to final approval submission to underwriting, ensuring both DU and the LOS systems match the documentation in file.
• Review and evaluate credit documentation for compliance with investor & Golden 1’s policies.
• Prepare and process general correspondence and document exchange updating LOS with all details for complete tracking purposes.
• Manage pipeline to meet service levels, efficiency, and loan quality requirements.
• Complete HMDA information.
• Maintain and respond to quality control issues.
• Acquire and maintain knowledge of FNMA, G1CU equity products and related investor guidelines.

Skills

Mortgage lending

Processing

Education

High School Diploma or GED

Job description

Golden 1 Credit Union in California is seeking a Home Loan Processor to manage mortgage transactions, coordinate stakeholders, and ensure loan files are processed accurately and in compliance with regulatory requirements. This non-exempt, remote-in-California role supports Home Loan Operations, reports to Supervisor - Home Loan Processing, and offers a pay range of $25.40 to $30.00 per hour.

Qualified candidates have 2+ years mortgage lending or processing experience, and a High School diploma