Mortgage Loan Processor II

Summary Hybrid position that assists in the fulfillment of member home loan requests through the timely ordering, receipt, and completion of required documentation. Obtains and reviews necessary information (i.e., loan applications, credit documents, appraisals, etc.) to process and complete mortgage loan files. Works with members, real estate agents, and third‑party real estate vendors to obtain and verify the accuracy of all information required to submit loan applications for decision‑making. Recommends loans for approval to the Underwriting team. Essential Duties and Responsibilities Processes Conventional, FHA, VA, Jumbo, and Second Mortgage Loans by reviewing loan packages and determining what further documentation will be required, adhering to Altura’s and investors’ documentation requirements. Provides high‑quality service by communicating clearly and effectively with borrowers, internal counterparts, and various third parties during the loan transactions. Packages, gathers conditions, and submits loan files to underwriters and/or external investors. Responds to member inquiries; answers questions, resolves problems, and provides solutions. Possesses the ability to perform under strict deadlines and other time constraints. Understands and complies with all real estate lending federal and state regulations. Education, Experience and Qualifications High school diploma or its equivalent is required. Minimum of four (4) years of current processing and loan set‑up experience in any combination of Conventional, FHA, VA, Jumbo, and Second Mortgage loan products. Understands and complies with all real estate lending federal and state regulations. Provides high‑quality service by communicating clearly and effectively with borrowers, internal counterparts, and various third parties during the loan transaction. Reports to work on time, takes required breaks, and works for the full amount of time scheduled before leaving, or notifies the supervisor if any deviation from these responsibilities is necessary. Processes Conventional, FHA, VA, and Jumbo mortgage loans by reviewing loan packages and determining what further documentation will be required, adhering to Altura’s documentation requirements. Benefits Vacation (10+ or Minimum Days), Sick (8 Days), Holidays (11 Days & 1/2 Day Christmas Eve) Birthday & Anniversary day off, Specialized paid time off (Jury Duty, Bereavement, etc.), Community volunteer events Social events & outings, event & venue discounts, competitive pay, stakeholders, 401(k) dollar‑for‑dollar match up to 6% (after one year of service) Business attire allowance, annual performance review & increase, wellness incentive, tuition reimbursement, awards, recognitions & incentives, free checking & savings accounts, discounted employee loan rates Kaiser and Cigna medical & prescription plans, dental & vision, fitness challenges & gym access, onsite wellness programs, medical & dependent flex spending account, life & A&D insurance, employee assistance program, pet insurance #J-18808-Ljbffr Altura Credit Union