Mortgage Loan Processor I

Mortgage Loan Processor I

Napa, California

Mortgage Lending - Mortgage Lending /

Full-Time /

On-site

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Redwood Credit Union is looking for a Mortgage Loan Processor I, who will be responsible for planning, preparing and organizing real estate loan documentation to ensure the accuracy and expeditious loan closing while also providing superior Member service.

Key Responsibilities

Loan File Management:

o Responsible for the timely and accurate coordination, processing and closing of assigned loan files, including opening escrow, ordering appraisals, and reviewing and interpreting automated and manual underwriting findings.

o Review Desktop Underwriter ("DU") verification messages/approval conditions on first lien loans. Verify the accuracy and integrity of all loan data entered into the system including but not limited to names, addresses, government monitoring information, loan information (i.e. loan amount, interest rate, terms, lock-in expiration dates, assets, income, etc.)

o Request and manage the timely return of required documentation from Members including all third-party documents required for loan approval, including real estate appraisals, escrow and title services, verification of deposits, flood certifications, credit reports, etc.

o Review and analyze all documentation received and determine acceptability.

o Verify income and assets as required in the DU verification messages and RCU procedures.

o Review credit report as needed to address any inconsistencies identified in the DU findings.

o Upload documents into the electronic file cabinet and indicate when each condition is satisfied.

o Review title prior to closing to ensure all exceptions have been cleared.

o Setup loan files for submission to underwriting, including scanning/uploading all necessary documents.

o Identify expired counteroffers and send out Statement of Credit Denial Letters as required.

o Ensure loan files are complete prior to auditing function.

o Ensure confidentiality and safeguard sensitive Member financial information.

o Process to close first and/or second mortgages as necessary to meet funding goals.

Loan Officer Support:

o Utilize pipeline management system in conjunction with loan officer to ensure high quality Member service.

o Report daily any problems or concerns with specific loan files.

o Propose new or improved processes that will improve current processing structure.

Member Service and Support:

o Provide exceptional service to all Members, volunteers, internal team members and service providers.

o Identify cross sale opportunities that will benefit Member.

o Compose and type general correspondence including emails, letters, memos, faxes and reports for staff and Members.

o Research and resolve Member or team member concerns as directed.

Join us and discover why you''ll love working at Redwood Credit Union!

ABOUT REDWOOD CREDIT UNION (RCU):

At Redwood Credit Union, our mission is to passionately serve the best interests of our Members and communities. Since 1950, we have been dedicated to supporting the financial well-being of our Members through better rates, low or no fees, and best-in-class customer service. Our purpose is to inspire hope and elevate the financial well-being of our communities one person at a time, through good times and bad.

As a not-for-profit financial institution, we are committed to a people-first approach, which is reflected not only in how we serve our Members, but also in how we treat our employees. Our leadership team is deeply focused on fostering a culture of heart and empathy, integrity, passion, inclusion, meaningful relationships, excellence, and ensuring financial well-being for all.

Why work for Redwood Credit Union?

• 27th largest credit union in the U.S. and the largest financial institution based in the North Bay
• Recognized by Newsweek as one of "America''s Best Credit Unions 2026"
• Awarded a 5-Star Bauer Rating
• Recognized by Newsweek as one of "America''s Greatest Midsize Workplaces 2025"
• Top Corporate Philanthropists (#24) - San Francisco Business Times
• Voted Best Places to Work in the North Bay 20 years in a row
• World-class Employee Engagement scores
• Rated Superior in Service by more than 90% of Members, surveyed by SF Gate
• Industry leading Net Promoter Scores across the U.S.

Minimum Qualification: Knowledge, Skills and Abilities

• Skill in the operation of a PC with word processing, spreadsheet, and Internet-based loan origination software.
• Ability to communicate effectively both verbally and in writing.
• Ability to establish and maintain effective working relationships with a diverse group of people including vendors and other Credit Union team members. .
• Ability to act independently and confidentially, using discretion and tact.
• Ability to analyze situations and recommend workable solutions.
• Ability to coordinate a variety of activities simultaneously and prioritize work.
• Ability and desire to work in and contribute to a team environment.

The ideal candidate has a combination of education and experience equivalent to a high school diploma, plus a minimum of two years of experience in mortgage lending industry or closely related field.

Compensation: Base starting range: $24.00 to $31.00 per hour commensurate with experience.

Our base salary starting range is based on scope and responsibilities of the position, candidate''s work experience, education/training, key skills, and internal peer equity. We offer a competitive total rewards package including a wide range of medical, dental, vision, financial, and other benefits.

Redwood Credit Union offers a robust benefits package to our eligible employees including:

• Competitive medical, dental, and vision insurance, mental health offerings
• Employee performance incentive plan
• Salary Advancement- Merit increase based on performance
• 401(k) program with employer match
• Time Off- Competitive PTO accrual plus 11 paid company holidays and your birthday off!

RCU Discounts and Perks:

• RCU employees are eligible for a .75% discount off RCU standard collateral auto loans
• RCU employees are eligible for a 1% discount on all recreational or boat loan products
• 2% discount off Visas and LOC Loans through RCU
• 0% interest loan to support employees with various immigration related expenses such as visa application fees and relocation costs. Loan amount up to $1,000.
• 0% interest loan to support employees with expenses associated with the naturalization process. Loan amount up to $15,000.
• 0% interest on garment, fitness, or home office equipment loan of up to $500
• 100% financing for employee purchased homes!

Physical Requirements:

• Ability to stand, bend, stoop, sit, walk, twist, and turn.
• Ability to lift up to 20 pounds.
• Ability to use a computer keyboard and calculator.
• Work environment is indoors; majority of the time is spent sitting at a desk.
• Redwood Credit Union is not offering Visa transfers and/or sponsorships for this position.

Internal Team Members: If you are a current Team Member, please apply through the internal careers page located in RCUNET.

We are an Equal Opportunity Employer

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us at [email protected]. To ensure fairness and consistency, we're unable to respond to individual inquiries about application status.

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