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Job Opportunity: Home Equity Processor:Job description:
Home Equity ProcessorOverviewHudson Valley Credit Union is currently recruiting for the position of Home Equity Processor. Primary Function: Process home equity loans and lines of credit applications located on Credit Union Policies, home equity lending products, home equity guidelines and state and federal regulatory requirements. Primary contact with members and all parties involved in the home equity application process to ensure consistent communication and Credit Union service standards are met. Responsibilities » Process home equity loan applications in compliance with Credit Union lending guidelines. Activates and initiates services for new home equity loan applications. » Initiate introductory member contact for all new applications, communicating home equity process overview and outstanding documentation. Remain a key point of contact for the member, branch and contact center staff from application submission through clear to close status. » Manage loan documentation to ensure the data integrity and accuracy of information entered into the loan origination system. Generates loan documents and prepares the home equity file for underwriting. » Maintain continuing expertise of home equity guidelines and state and federal compliance regulations. » Review all loan information, including, but not limited to credit reports, appraisal reports, earnings documentation to confirm accuracy of information in the loan origination system. » Perform follow-up on outstanding documents with members, appraisers, title agents 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 branch and member status inquiries regarding their existing and pending home equity loan applications. » 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 expertise. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional tasks 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. Qualifications » 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 of Financial institution transferrable practice preferred » Minimum 1 year of mortgage processing, underwriting or equivalent lending practice required Why choose HVCU? HVCU cares for our employees, members, and community. We actively seek to create an inclusive workforce by hiring people with diverse perspectives and practices. We celebrate and embrace what makes each of us different and foster an environment where everyone feels that they belong. In commitment to our diversity, equity, and inclusion mission, we encourage members of historically underrepresented communities to apply, including those who identify as women, minorities, veterans, disabled and LGBTQ+. Employee Perks: » HVCU University & Academy; Professional Development Training » Student Loan Repayment & Tuition Reimbursement Programs » Medical, Dental, and Vision coverage (coverage starting as low as $20 per month) » 401(k) with employer match and non-elective employer contribution » Paid time off (PTO), holidays, and community volunteer time » Life, Short-Term, and Long-Term Discapability Insurance » Discounted Loan Rates & Fees Hudson Valley Credit Union is an AA/EEO employer committed to equal opportunity and employee diversity. All qualified candidates will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, the status of being transgender, national origin, discapability, military or veteran status, genetic information, marital or familial status, domestic violence victim status, or any other characteristic protected by law. » 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 of Financial institution transferrable practice preferred » Minimum 1 year of mortgage processing, underwriting or equivalent lending practice required Why choose HVCU? HVCU cares for our employees, members, and community. We actively seek to create an inclusive workforce by hiring people with diverse perspectives and practices. We celebrate and embrace what makes each of us different and foster an environment where everyone feels that they belong. In commitment to our diversity, equity, and inclusion mission, we encourage members of historically underrepresented communities to apply, including those who identify as women, minorities, veterans, disabled and LGBTQ+. Employee Perks: » HVCU University & Academy; Professional Development Training » Student Loan Repayment & Tuition Reimbursement Programs » Medical, Dental, and Vision coverage (coverage starting as low as $20 per month) » 401(k) with employer match and non-elective employer contribution » Paid time off (PTO), holidays, and community volunteer time » Life, Short-Term, and Long-Term Discapability Insurance » Discounted Loan Rates & Fees Hudson Valley Credit Union is an AA/EEO employer committed to equal opportunity and employee diversity. All qualified candidates will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, the status of being transgender, national origin, discapability, military or veteran status, genetic information, marital or familial status, domestic violence victim status, or any other characteristic protected by law. » Process home equity loan applications in compliance with Credit Union lending guidelines. Activates and initiates services for new home equity loan applications. » Initiate introductory member contact for all new applications, communicating home equity process overview and outstanding documentation. Remain a key point of contact for the member, branch and contact center staff from application submission through clear to close status. » Manage loan documentation to ensure the data integrity and accuracy of information entered into the loan origination system. Generates loan documents and prepares the home equity file for underwriting. » Maintain continuing expertise of home equity guidelines and state and federal compliance regulations. » Review all loan information, including, but not limited to credit reports, appraisal reports, earnings documentation to confirm accuracy of information in the loan origination system. » Perform follow-up on outstanding documents with members, appraisers, title agents 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 branch and member status inquiries regarding their existing and pending home equity loan applications. » 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 expertise. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional tasks 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. Skills:
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