Loan Processor

STCU is consistently rated one of the top-performing credit unions in the nation, and has been named one of Fortune Magazine’s Great Places to Work. We look for employees who have a strong desire to serve others, are lifelong learners, are committed to working hard, have a fun-loving attitude, and who want to make a difference in our members’ lives. We love people who share our core values:
Joyfulness, generosity, belonging, goodness, and striving. We believe in being a force for good in the community, while helping members achieve their financial goals and dreams.

STCU offers excellent benefits:

• Paid time off — plus 11 paid holidays!
• Medical, dental, vision and life insurance
• Training and career development
• Success sharing plan
• 401(k) matching contributions
• Tuition reimbursement

The Home Loan Processor II is a skilled professional responsible for ensuring the accuracy and compliance of departmental operations. This role collaborates with various teams, vendors, and members, utilizing their expertise to make independent decisions that align with STCU's interests. Key responsibilities include maintaining the integrity of the Home Loan value stream, collecting essential documents, and coordinating with members.

Core Job Requirements/Outcomes

• Under general supervision, prepare government‑backed mortgage loans such as FHA, VA, and USDA for initial underwriting submission by conducting a pre‑underwriting review of the Uniform Residential Loan Application (URLA) and related documentation to ensure compliance with STCU's loan policies, complex investor guidelines, and product requirements.
• Ensure timely clearance of pre‑closing conditions by independently managing applications, coordinating documentation, satisfying investor and regulatory requirements, and maintaining clear communication with members and internal/external stakeholders such as correspondent lenders, realtors, appraisers, title officers, and escrow officers while maintaining minimum quality and productivity standards.
• Ensure compliance with regulatory and investor standards by staying informed about the latest regulatory, policy, and procedural requirements related to home loans and ensuring all loan conditions within sign‑off authority are accurately reviewed and satisfied in accordance with established guidelines.
• Promote a culture of continuous improvement by actively participating in daily process enhancement activities and encouraging team engagement through professional conduct. Support organizational and departmental initiatives to drive overall success.

Other Essential Functions

• Safeguard the credit union's interests by ensuring compliance with all requirements established by the approving authority.
• Enhance member and staff confidence by demonstrating exceptional communication skills in written, verbal, and interpersonal interactions.
• Ensure compliance with service level agreements and standards by monitoring the assigned pipeline daily and following established procedures. Additionally, provide assistance to other team members as needed.
• Provide operational support to the Home Loan value stream by fostering strong member relationships and aligning efforts with the strategic goals of the department and organization.
• Demonstrate effective communication skills in both written and verbal forms. Collaborate well within diverse teams and work independently with minimal supervision. Uphold integrity and confidentiality with member information, fostering trust, respect, and cooperation among peers.

Education: High School diploma or equivalent required. Some college coursework preferred.

Job

Experience:

A minimum of three years general mortgage lending experience with at least two years of mortgage processing experience required. One year experience processing government‑backed mortgage loans such as FHA/VA USDA loans preferred.

Software

Skills:

Encompass experience preferred. Proficient knowledge of MS Office programs including Outlook, Word, Excel and Teams.

Physical Demands: Must be able to regularly talk, hear and operate a computer, keyboard and mouse and occasionally lift, pull/push and carry up to 10 pounds with accommodations.

Work

Conditions:

Exposure to constant or intermittent sounds at a low or moderate level consistent with an office setting. Exposure to high‑stress, fast‑paced, deadline‑oriented environment. Remote work is available and contingent on consistently meeting performance objectives. Periodic in‑person team meetings and check‑ins required.

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