Sr. Processor/Jr. Underwriter

Profile

u003cpu003eChevron Federal Credit Union is one of the top-run credit unions in the country u0026ndash; and one of the largest, with $4 billion in assets. Yet our corporate culture is not stuffy: the Team Spirit Committee runs fun activities and charitable events throughout the year, and work-life balance, mutual respect, diversity, and providing a voice for every employee are all important to us. As you might imagine, we provide competitive pay and great benefits, including:u003c/pu003enu003culu003enu003cliu003eBonus/incentives for all regular employeesu003c/liu003enu003cliu003e401(k) with 8% company contributionu003c/liu003enu003cliu003eMedical, dental, and vision insurance for employees and dependents paid at 80%u003c/liu003enu003cliu003ePTO and paid sabbaticalsu003c/liu003enu003cliu003eTuition reimbursementu003c/liu003enu003c/ulu003enu003cpu003e*Position may be remote.u003c/pu003enu003cpu003eu003cstrongu003eGENERAL SUMMARY:u0026nbsp;u003c/strongu003eThis hybrid role supports both the processing and underwriting teams. This role assists in the processing and some underwriting of mortgage loans, and offers a great potential opportunity for someone interested in transitioning from Processing to Underwriting. This person will manage a mixed pipeline of loans for processing and underwriting.u003c/pu003enu003cpu003eu003cstrongu003eDUTIES AND RESPONSIBILITIES:u003c/strongu003eu003c/pu003enu003culu003enu003cliu003eReviews file documentation to ensure it is complete, consistent and accurate relative to the completed loan application. Collects, collates and orders all documentation to complete the loan file for underwriting decisions. (title report, appraisal, insurance, VOEs, etc.)u003c/liu003enu003cliu003eAssesses loan application for qualification consistent with Credit Union policy, procedures and guidelines. Effectively manages and documents a pipeline of assigned loans to meet or exceed established cycle times and/or COEs dates. Maintains a weekly status report on all files, and meets required contact requirements for each file. Prepares loan for final underwriting, ensuring all conditions are met.u003c/liu003enu003cliu003eProvides outstanding member experience. Communicates status, conditions, and other relevant information to our members, Relationship Manager, Underwriters, and other team members in a timely and professional manner.u003c/liu003enu003cliu003eAccurately underwrites Home Equity Lines of Credit, Second Mortgages and Agency DU Approve/Eligible loans as assigned by the Underwriting Manager.u0026nbsp; Supports underwriting team by signing off conditions, performing appraisal analysis via UCDP, and other duties.u0026nbsp; Accurately applies DU, UCDP, manual FNMA, or internal policies and guidelines as applicable to all loan applications. u0026nbsp;Reviews and analyzes loan applications to ensure compliance with all internal and regulatory guidelines.u003c/liu003enu003cliu003eReviews and analyzes pending declines (u0026ldquo;not submitted to processingu0026rdquo;) and expired TBD loan applications to ensure compliance with all internal and regulatory guidelines.u0026nbsp;u003c/liu003enu003c/ulu003enu003cpu003eu003cstrongu003eQUALIFICATION REQUIREMENTS: u003c/strongu003eu003cemu003eReasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.u003c/emu003eu003c/pu003enu003cpu003eu003cemu003eu003cstrongu003eEDUCATION and EXPERIENCE:u003c/strongu003eu003c/emu003eu003c/pu003enu003culu003enu003cliu003eA minimum of 3-5 years in mortgage lending with processing and pre-underwriting experience required.u003c/liu003enu003cliu003eHigh school diploma, GED or equivalent.u003c/liu003enu003cliu003eEquivalent combination of education and experience may substitute for stated qualifications.u003c/liu003enu003cliu003eExperience with secondary market and Desktop Underwriter, calculating income, ratios, LTV is required.u003c/liu003enu003c/ulu003enu003cpu003eu003cstrongu003eKNOWLEDGE and SKILLS:u003c/strongu003eu003c/pu003enu003culu003enu003cliu003eUnderstanding of basic lending documentation: title reports, credit reports, income and assets, tax returnsu003c/liu003enu003cliu003eAbility to write effectively in English using correct spelling and grammar.u003c/liu003enu003cliu003eAbility to speak clearly, tactfully, and effectively in English.u003c/liu003enu003cliu003eBasic math skills including the ability to compute rates, ratios, and percentages using a 10-key.u003c/liu003enu003cliu003eProficient in the use of basic applications in a Windows-based environment, including Outlook, Word and Excel. Moderate keyboard skills at 40 wpm.u003c/liu003enu003cliu003eExcellent customer service skillsu003c/liu003enu003c/ulu003enu003cpu003eu003cstrongu003ePERSONAL ATTRIBUTES and APTITUDES:u003c/strongu003eu003c/pu003enu003culu003enu003cliu003eImpeccably high integrity.u003c/liu003enu003cliu003eWillingness to take responsibility for his/her actions and respond promptly.u003c/liu003enu003cliu003eAbility to learn quickly and adapt to change; ability to quickly learn specialized applications.u003c/liu003enu003cliu003eInitiative and self-direction.u003c/liu003enu003cliu003eAbility to effectively communicate with people at all levels.u003c/liu003enu003c/ulu003enu003cpu003eu003cstrongu003ePHYSICAL DEMANDS:u0026nbsp; u003c/strongu003eu003c/pu003enu003culu003enu003cliu003eWork involves extensive use of computers, up to eight hours per day. Appropriate visual, dexterity and other physical abilities are required.u003c/liu003enu003cliu003eMust be able to speak on the telephone.u003c/liu003enu003c/ulu003e,EqualOpportunityEmployerDescription:null,PayTransparencyPolicyStatement:null,MatchScore:1.0,HasApplied:false,ApplicationJobBoardName:null,ApplicationJobBoardId:null,DateApplied:null,Salaried:true,CompensationAmount:null,PublishingStatus:1,Links:[],BehaviorCriteria:[],MotivationCriteria:[],EducationCriteria:[],LicenseAndCertificationCriteria:[],SkillCriteria:[],WorkExperienceCriteria:[],JobBoardMemberships:[{JobBoardId:604b85b9-c229-47a8-8319-5b9130e7bd81,PublishedInternal:false,PublishedExternal:true,ExternalPostedDate:2020-10-15T16:55:58.875Z,InternalPostedDate:null},{JobBoardId:65f2b935-3cc9-4580-9897-1e036cf31cd3,PublishedInternal:true,PublishedExternal:false,ExternalPostedDate:null,InternalPostedDate:2020-10-15T16:55:58.875Z}],AssessmentUri:null,AssessmentStatus:null,OpportunityIsClosed:false,TravelRequired:null,TravelDescription:null,SupervisorName:null,Assessments:[],ApplicationId:null});

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