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Sr. Mortgage Loan Processor


   Closing Date: Oct. 24, 2019

Employer:Elevations Credit Union
Job Location: Broomfield - Broomfield County
Employment Type:Full Time
Benefits:Competitive Compensation Package

Description:

When joining Elevations, you can expect to work for a company that:

  • Provides amazing experiences and creates raving fans.
  • Strives to provide solutions for a better life and promises employees it will be the best place they have ever worked.
  • Wins awards such as “Best Bank”, “Best Companies to Work for in Colorado” and even the “Malcolm Baldrige National Quality Award”, the only Presidential award for quality.
  • Has a highly-engaged workforce and emphasizes career growth, empowerment and servant leadership.

 

What’s in it for you:

  • Competitive pay, incentive programs, 401k matching, mortgage and auto discounts
  • 4 weeks min. paid time off, work anniversary paid time off, 11 paid holidays, and 16hrs paid volunteer time off
  • Medical, dental, and vision health plans with FSA or HSA options
  • Onsite fitness center, yoga classes, wellness committee events (hiking, softball, soccer,.. to name a few!), health fairs with biometrics screening and flu shots
  • Onsite cafe
  • Employee Assistance Program with a variety of services
  • Career development, trainings, career coaching, job shadowing, mentoring program, tuition reimbursement up to $5,000/year, and a recognition system
  • Culture of excellence and continuous improvement
  • We strive to be the best place you’ve ever worked! 

Duties:

Position Summary/Objective:

The Senior Mortgage Loan Processor is responsible for processing and closing mortgage applications for both portfolio and investment market received from Loan Originators. Prepares all mortgage loan closing documents in compliance with Secondary Market guidelines, including, but not limited to FNMA 1st mortgage guidelines as well as internal portfolio products within policies set by the credit union. Provides a backup to Mortgage Loan Support and Mortgage Loan Closing Coordinator.

 

Essential Functions include:

  • Inputs loan applications into loan processing system, including any changes to existing information on file; manipulates Desktop Underwriter to confirm information and changes.
  • Orders credit report supplements, appraisals, title insurance commitments, flood certifications and follows up when necessary; reviews files for completeness and accuracy
  • Communicates with loan originator regarding any outstanding items and/or additional documentation needed
  • Revises loan approval/conditions cover sheet
  • Complies credit exhibits and prepares final loan application for submission to underwriter.
  • Examines and reviews files for completeness, which includes title commitments, surveys and purchase contracts
  • Orders all necessary documents for loan closing; prepares loan closing documents, FNMA 1008-Uniform Underwriting and Transmittal
  • Reviews adequacy of insurance coverage in relation to dollar amount of loan, need for flood insurance, and Private Mortgage Insurance
  • Orders Private Mortgage Insurance
  • Adheres to all applicable Federal and State laws and regulations governing the Credit Union, including the Bank Secrecy Act (BSA).

Qualifications:

Required Education and Experience:

  • Equivalent to a college degree
  • Two to Four years of similar or related experience
  • Mortgage processing experience
  • Experience with mortgage origination systems/banking systems particularly relating to processing
  • Strong PC skills (MS Office) required
  • Impeccable attention to detail is a must
  • Knowledge of consumer or mortgage lending
  • Knowledge of federal lending regulations 
     

Work Environment:

This job operates in an office setting and routinely uses standard office equipment

 

Physical Requirements:

Sitting frequently, walking occasionally, use of hands frequently, hearing constantly, talking frequently, exerting up to 10 lbs of force occasionally to lift, carry, push, pull, or move objects.

 

Position Type/Expected Hours of Work:

Full time / 40 hours per week

 

Classification:

Exempt

 

Location:

Elevations Support Center

 

Other Duties:

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. 

 

About Us: Elevations Credit Union is a member-owned not-for-profit financial institution serving Colorado’s Front Range. Founded in 1953, we’ve grown from 12 members and less than $100 in assets to an institution with 13 branches and more than 120,000 members that manages over $2 billion in assets and is the No. 1 credit union mortgage lender in Colorado. At Elevations, we’ve made a commitment to move away from a product-centered business model and focus instead on creating consumer solutions. Our objective is to provide our members, as well as the entire community, with unbiased consumer information.

 

EEO Statement: Elevations Credit Union is an equal opportunity employer.  We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical​​​ condition, pregnancy, genetic information, gender, sexual orientation, gender identity or ​expression, veteran status, or any other status protected under federal, state, or local law.  All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs.

 

Candidates for certain positions may be required to submit to a credit history report in determining qualification for employment with Elevations Credit Union.  If the position you are applying for requires a credit history report, any information received in such a report will not be the sole factor in making an employment decision.  A history of personal financial irresponsibility may be reason for disqualification insofar as it relates to your potential job duties. Elevations Credit Union is aware that occasionally there are extenuating circumstances that may affect an individual's credit history. We comply with the Fair Credit Reporting Act and the Colorado Employment Opportunity Act.

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