Full Time (40 Hours) Monday - Friday (8am - 5pm)

Headquarters

630 Trade Center Drive

Las Vegas, NV

PURPOSE: The primary purpose of this position is to assist Silver State Schools Credit Union to live out its Mission, "Excellent Member Service and Financial Solutions - For Life," by providing outstanding service to both members and internal members.

To deliver service in alignment with our Service Commitments:
- I will earn respect and build trust by acting with integrity in every situation.
- I will understand my role in supporting the team to achieve our purpose.
- I will focus on people over products and build lasting relationships.
- I will take ownership and accept responsibility.
- I will treat my coworkers with the same high standards as I treat my member.
- I will continuously look for ways to improve myself, my credit union, and my community.
- I will accept there is no "they". We are one working toward the same mission.
- I will commit to the core values.
Meet all established service goals.

SUMMARY: A Mortgage Loan Processor primarily verifies, and coordinates borrower(s) supplied loan file documentation and the loan application detail in conformity with secondary market investor and/or credit union guidelines, the credit union's lending technology platform and underwriting approval conditions. This position contributes to ensure optimal lending department process fluidity and compliance with credit risk parameters.

ESSENTIAL DUTIES AND RESPONSIBILITIES Include The Following

Contribute to the development and refinement of the credit union's lending vision and strategy working in a team environment focused on member service and closing quality loans in a timely manner.
Develop and demonstrate a subject matter expertise pertaining to mortgage lending regulations, secondary market investor guidelines, credit union lending policies, operating guidelines, and operating procedures.
Communicate with Mortgage Loan Originators who are taking loan applications and with loan applicants themselves with respect to determining what a borrower is trying to accomplish with their loan request and obtaining a clear aspect of their capacity and intent to make payments, clarifying, and setting good expectations as well as providing an optimal level of member service. Note: this position does not and cannot discuss with a borrower their specific of mortgage loan level attributes or loan qualifying parameters but does speak generally about loan programs with members without addressing any borrower ability to qualify for a particular loan program or rate; without being properly licensed to discuss such items on loans secured by residential properties intended to be used as a dwelling unit.
Communicate with realtors, other loan application referral sources or interested third parties to a transaction only as to whether a borrower is approved or qualifies or what might assist in qualifying without disclosing confidential borrower information to any third-party involved in the loan transaction; or in the alternative that a borrower is not qualified.
Verify loan application data ensuring that all borrower supplied documentation, any associated service provider information matches the lending technology platform data and conforms to all loan approval parameters, lending regulations and the credit union's loan policies and operating guidelines.
Title, flood, and appraisals must be ordered and verified according to credit union policy, regulations, and guidelines.
Certification of each applicable task, stipulation or condition pertaining to underwriter's directive as stated within the lending technology platform as applicable, which is contemporaneously time and date stamped by the lending technology platform based on the user's platform login.
Ensure that all loan file supporting documentation is captured electronically, including work papers or checklists used in verifying loan file information within the lending technology platform.
Prepare and deliver any required loan disclosures to a borrower(s) as required by applicable regulation.
Divulge all aspects of a borrower's application as well as a judgment of any borrower's ability or intent to be able to make payment, any aspect of any collateral valuation or any issue regarding properly titling/pledging any collateral (on a secured loan application) to an underwriter making a credit decision on a loan. Notates such observations as well as any communication related to a loan file within the loan's comment log within the lending technology platform.
Re-submit new or changed loan file data to an underwriter, prior to loan closing and delivers any required re-disclosures to borrowers as applicable.
Prepare and deliver adverse action notices on loan files that are denied, cancelled, and withdrawn within regulatory timeframe.
Prepare appropriate loan documents on approved loans for borrower(s) signature.
Review executed loan documents on closed loans to ensure that they were completed correctly and if not have the documents re-executed in a timely manner.
Ensure that all executed closing documents are archived electronically within the credit union's lending technology platform.
Deliver closed/funded loan files to the credit union's Secondary Operations group in paper or electronic form; ensuring all applicable information that is required is being delivered in a timely basis.
Perform such other functions as assigned by upper management.

EDUCATION and/or EXPERIENCE: High School diploma and work experience of at least 2 years working as a First Mortgage Loan Processor with Secondary Market Lending experience.

*ONLY FULLY COMPLETED APPLICATIONS WILL BE CONSIDERED*

**SEE RESUME ON APPLICATIONS WILL NOT BE CONSIDERED**

SILVER STATE SCHOOLS CREDIT UNION IS AN EQUAL OPPORTUNITY EMPLOYER (EOE)

DRUG-FREE WORKPLACE

Silver State Schools Credit Union

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Mortgage Loan Processor