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Real Estate Processor

Company: Hudson Valley Credit Union
Location: Poughkeepsie
Posted on: May 3, 2021

Job Description:

Hudson Valley Credit Union is currently recruiting for the position of Real Estate Processor. Primary Function: process conventional and government residential mortgage applications based on Credit Union Policies, real estate lending products, automated underwriting, and secondary market investor guidelines and state and federal mortgage regulatory requirements. Primary contact with members and all parties involved in the mortgage process to ensure consistent communication and Credit Union service standards are met.Process residential mortgage loan applications in compliance with secondary market lending guidelines and mortgage industry standards. Activates and initiates services for new residential mortgage loan applications.Initiate introductory member contact for all new applications, communicating mortgage process overview and outstanding documentation. Remain a key point of contact for the member from application submission through closing.Manage loan documentation to ensure the data integrity and accuracy of information entered into the loan origination system. Generates loan documents and prepares the mortgage file for underwriting.Maintain ongoing knowledge of secondary market guidelines and state and federal compliance regulations.Review all loan information, including, but not limited to credit reports, appraisal reports, contract of sale, income and asset documentation to confirm accuracy of information in the loan origination system. Validate the findings of automated underwriting systems pursuant to Credit Union and secondary market guideline requirements.Perform follow-up on outstanding documents with members, appraisers, attorneys and other parties to ensure there is no delay in processing the file for final approval.Issue documents required by TRID, including re-disclosure for any change of circumstance that occurs within processing.Interpret computer system in order to accurately respond to member inquiries regarding their existing and pending residential mortgage loan applications.Validate the findings of automated underwriting systems pursuant to credit union and secondary market requirements.Responsible reconciliation of departmental general ledger expense accounts used for mortgage closing costs and fees.Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.Responsible for regular and predictable attendance including punctuality.High School Diploma, General Education Development (GED) certificate, or state authorized high school equivalent certificate required Registration with the National Mortgage Licensing System and Registry (NMLS) required Minimum 3 years ofFinancial institution transferrable experiencerequired Minimum 1 year of mortgage processing, underwriting or equivalent lending experience requiredConsistently named one of the Best Companies to work for in New York, Hudson Valley Credit Union is a community chartered financial institution serving members in 12 counties along the Hudson River from the Capital Region south to the Lower Hudson River Valley. We are passionate about improving our member’s financial wellbeing and thrive on delivering exceptional member service. We care for our employee family and are deeply rooted within our local communities. With our co-workers’ support, valued benefits, and continuous training and development, we are motivated, high performers who excel and grow here every day. Come join us in our goal to be the Hudson Valley’s first choice for a lifetime financial services partner. We offer a highly competitive salary and benefits package including:Medical, Dental, and Vision coverage401(k) with employer match and non-elective employer contributionPaid time off (PTO) and paid holidaysFlexible Spending Account (medical & dependent care)Life InsuranceShort-Term and Long-Term Disability InsuranceEmployee Assistance ProgramWellness Activity ReimbursementsEducational Assistance ProgramProfessional Development ProgramsDiscounted Loan Rates & FeesAll candidates are subject to a pre-employment background check including bondability, credit report and past employment references. All checks must be favorable for an applicant to be considered for employment. Hudson Valley Credit Union is proud to be a CEO Gold Standard Designation award winning tobacco-free workplace.Hudson Valley Credit Union is an AA/EEO employer committed to equal opportunity and employee diversity. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, the status of being transgender, national origin, disability, military or veteran status, genetic information, marital or familial status, domestic violence victim status, or any other characteristic protected by law.

Keywords: Hudson Valley Credit Union, Danbury , Real Estate Processor, Other , Poughkeepsie, Connecticut

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