Home Loan Operations - Home Loan Sr Processor

Reports to: Manager - Home Loan Processing

Department: Home Loan Operations

Job Code: 1725

Pay Range: $30.76 - $35.00 Hourly

WHO WE ARE: Golden 1 Credit Union is among the top credit unions in the country. As a member-owned, not-for-profit cooperative, Golden 1 is guided by the credit union philosophy of "people helping people." We are committed to empowering our members and uplifting our communities as we create a more equitable and financially inclusive California. We welcome all who embrace our Core Values.

WHO YOU ARE: You are motivated by helping people, teams, and processes perform at their best. You combine mortgage expertise, organizational skills, and attention to detail to ensure loans move efficiently through the process while delivering an exceptional member experience.

WHAT YOU'LL DO: Coordinate and communicate information with Members, Home Loan Advisors, and Vendors for loan transaction as it relates to loan processing. Coordinate the ordering of all title reports, flood certificates, FHA case numbers, CAVIRS, LDP/GSA 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 the LOS (Loan Origination System) 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 (Loan Origination System) with all details for complete tracking purposes. Manage pipeline to meet a) G1 service levels including turn times and customer service scores, b) minimum efficiency levels established for position and c) minimum required loan quality. Complete Home Mortgage Disclosure Act (HMDA) information. Maintain and respond to quality control issues. Acquire and maintain knowledge of FNMA, FHA, G1CU equity products and related investor guidelines. Perform functions in accordance with Golden 1's performance competency standards. Perform other tasks as assigned. QUALIFICATIONS AND PREFERENCES:H.S. Diploma or General Education Degree (GED) preferred Additional work experience may be considered in lieu of a High School diploma 5+ years or more experience in a financial institution processing Home loans handling routine to complex processes required Recent experience processing FHA loans is requiredWHY JOIN US: Golden 1 Credit Union provides its employees a market-competitive and internally equitable total rewards compensation package through a variety of programs. These programs are designed to attract, motivate, and retain employees that drive and support the achievement of Our Mission, Vision, and Strategic Goals. The Credit Union is committed a total rewards philosophy built on; a comprehensive compensation package, well-being and work-life balance, career development and growth, rewards and recognition, and a commitment to Diversity, Equity and Inclusion. We believe in fostering a workplace where every employee is recognized, valued, and motivated to contribute their best.