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This role directly supports MEMBERS1st Community Credit Union’s mission of Financially Empowering Central Iowa by ensuring members receive timely communication, clear guidance, and a smooth lending experience. Collaborate with Mortgage Loan Officers, underwriters, and closing staff to resolve questions, address issues, and ensure timely progression of loans.

<h4>PURPOSE OF POSITION</h4><p>The Mortgage Loan Processor is responsible for facilitating the efficient, accurate, and compliant processing of residential mortgage loan files from application through closing. This role directly supports MEMBERS1st Community Credit Union’s mission of Financially Empowering Central Iowa by ensuring members receive timely communication, clear guidance, and a smooth lending experience. The Mortgage Loan Processor collaborates closely with Mortgage Loan Officers, underwriting, and closing teams to deliver high-quality service in alignment with the credit union’s cooperative principles and service standards.</p><h4>ESSENTIAL DUTIES AND RESPONSIBILITIES</h4><p/><p><b>The following duties are normal for this position.  These are not to be construed as exclusive, other duties may be required and assigned.</b></p><ul><li>Review submitted mortgage applications for completeness and accuracy; request and collect outstanding documentation as needed.</li><li>Verify income, assets, liabilities, employment, credit reports, appraisals, and other required documents to ensure eligibility and compliance.</li><li>Prepare files for underwriting by organizing documentation, validating data, and ensuring file integrity.</li><li>Communicate with members to gather required information, clarify documentation needs, and provide status updates throughout the process.</li><li>Maintain professional, courteous communication that supports a positive member experience.</li><li>Collaborate with Mortgage Loan Officers, underwriters, and closing staff to resolve questions, address issues, and ensure timely progression of loans.</li><li>Ensure all disclosures, documents, and processes follow internal policies as well as federal and state mortgage regulations.</li><li>Maintain up-to-date knowledge of lending regulations, processing standards, and investor requirements.</li><li>Monitor loan pipelines daily to ensure timely processing, documentation collection, and movement through underwriting and closing.</li><li>Track appraisal orders, title work, insurance verifications, and other third-party documentation.</li><li>Assist with clearing underwriting conditions and preparing files for closing.</li><li>Support cross-departmental needs and broader credit-union initiatives when required.</li><li>Participate in training, process improvements, and departmental projects.</li><li>Strong understanding of mortgage processing workflows, documentation requirements, and regulatory guidelines.</li><li>Excellent organizational skills with the ability to manage multiple files and deadlines.</li><li>High attention to detail with strong data verification and quality-control abilities.</li><li>Effective written and verbal communication skills, with the ability to serve members in a friendly and professional manner.</li><li>Ability to work collaboratively across teams while also managing independent workloads.</li></ul><h4>QUALIFICATIONS </h4><p>To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. </p><h4>EDUCATION and/or EXPERIENCE</h4><ul><li>High School Diploma or equivalent </li></ul><ul><li>Strong understanding of mortgage processing workflows, documentation requirements, and regulatory guidelines. </li><li>Excellent organizational skills with the ability to manage multiple files and deadlines. </li><li>High attention to detail with strong data verification and quality-control abilities. </li><li>Effective written and verbal communication skills, with the ability to serve members in a friendly and professional manner. </li><li>Ability to work collaboratively across teams while also managing independent workloads </li></ul><h4>LANGUAGE ABILITY</h4><ul><li>Ability to read and interpret documents such as regulatory rules, trade literature, and procedure manuals. </li><li>Ability to speak effectively before groups of members or employees of organization.</li><li>Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals.</li><li>Ability to compute rate, ratio, and percentages. </li></ul><h4> COMPUTER SKILLS</h4><ul><li> To perform this job successfully, an individual should have proficiency using data processing software as well as Microsoft Office products, especially Outlook, Word, and Excel.</li></ul><h4>PHYSICAL DEMANDS</h4><ul><li>The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.</li><li>While performing the duties of this Job, the employee is regularly required to sit, and talk or hear. The employee is frequently required to stand and walk. The employee must occasionally lift and/or move up to 30 pounds. Specific vision abilities required by this job include close vision.</li></ul><h4>Benefits</h4><ul><li>401(k)</li><li>401(k) matching</li><li>Health insurance</li><li>Dental insurance</li><li>Vision insurance</li><li>Health savings account (HSA)</li><li>Paid time off</li><li>Paid sick time</li><li>Tuition reimbursement</li></ul>

MEMBERS1ST COMMUNITY CREDIT UNION

Mortgage Loan Processor

Communication Skills

Computer Skills

Credit Union

Customer Experience

Data Processing

Data Quality

Detail Oriented

Documentation

Federal Laws and Regulations

File Management

Lift/Move 30 Pounds

Loan Closing

Loan Processing

Loan Regulations

Loan Underwriting

Loans

Microsoft Excel

Microsoft Office

Microsoft Outlook

Microsoft Product Family

Microsoft Word

Mortgage

Mortgage Lending

Mortgage Regulations

Organizational Skills

Physical Demands

Presentation/Verbal Skills

Problem Solving Skills

Process Improvement

Quality Control

Real Estate Appraisals

Regulations

Regulatory Requirements

Residential Mortgages

State Laws and Regulations

Team Player

Time Management

Underwriting

Writing Skills

HiringThing

OTHER

Orders final inspections, flood determination, credit report, pre-closure credit report, verification of deposit, verification of employment, verification of mortgage or rents and other documents necessary to support the loan application and ensure complete documentation of the loan file. Following approval, sends approval letter to borrowers and realtors, orders payoffs, property surveys, and orders any other required documentation to prepare closing documents.

HOUR

Position Summary:
<p style="margin:0px">Responsible for processing of all secondary and in-house mortgage loans.</p><p style="margin:0px"> </p><p style="margin:0px"><strong>GREENSTATE CULTURE:</strong></p><p style="margin:0px">At GreenState, our purpose is to create lasting value for our members, our communities, and one another. We empower our teams to create opportunities that strengthen financial well-being, transform lives, and enhance the vitality of the communities we serve. We know our success—now and in the future—is deeply rooted in fostering an engaging, diverse, and inclusive workplace where everyone knows they matter, their work makes an impact, and their everyday commitment to living our values is what brings our mission to life.  </p><p style="margin:0px"> </p><p style="margin:0px">Pay range for this hourly position is $26.02 - $30.42/hr with a progressive benefits package. </p>

Essential Duties and Responsibilities:
<p style="margin:0px">Performs essential duties and responsibilities in the following areas which may include but are not limited to those listed and are subject to change.</p><ol><li>Adheres to the Credit Union's core values and Service Standards in carrying out GreenState's mission and vision.</li><li>Demonstrates a positive member service (internal and external) focus at all times, greeting members and guests with a smile and eye contact immediately upon their arrival.  Consistent usage of the members name during contact and always thanking them for their business.</li><li>Demonstrates teamwork in all interactions with coworkers and in the completion of all duties and responsibilities.</li><li>Ensures confidentiality of member information.</li><li>Supports a diverse and inclusive work environment.</li><li>Plays a vital role in enriching the community by participating in community service organizations and/or Credit Union sponsored events on an annual basis.</li><li>Builds and maintains relationships in the real estate community, which includes but is not limited to realtors, attorneys, abstractors, and insurance companies.</li><li>Fields and returns phone calls/emails from borrowers regarding their mortgage loan. Orders final inspections, flood determination, credit report, pre-closure credit report, verification of deposit, verification of employment, verification of mortgage or rents and other documents necessary to support the loan application and ensure complete documentation of the loan file. Sends a copy of the appraisal to the borrowers at least 3 days prior to closing.</li><li>Reviews and verifies title work is clear to close and works with all parties involved to clear title objections. Sends a copy of the title to the borrowers to review prior to closing. Requests HOA letters as needed.</li><li>Collects and verifies completeness of requested credit documents.  Processes documents by correctly entering information into on-line computer system and scans original documents into loan software system as needed.</li><li>Orders and reviews both the compliance report and fraud report for accuracy and discrepancies and makes any necessary corrections.</li><li>Submits file information to automated underwriting system when necessary and verifies accuracy of the findings.</li><li>Organizes documents in the LOS System in appropriate order and submits final applications to underwriting for approval. </li><li>Follows up on any approval conditions for secondary market and in-house loans.</li><li>Following approval, sends approval letter to borrowers and realtors, orders payoffs, property surveys, and orders any other required documentation to prepare closing documents.</li><li>Requests homeowners insurance and flood insurance if applicable (personal and association) and requests mortgagee clause change prior to closing. Verifies the completeness and accuracy of the binder for effective dates, coverage, and address.</li><li>Organizes documents in the LOS system in appropriate order in a timely manner to ensure prompt delivery to investors and prompt recording of the mortgages.</li><li>Resolves any secondary market suspensions or deficiencies and follows-up on any missing documentation in mortgage file in a timely manner.</li><li>Assists in year-end verification of HMDA reporting and 1098/1099 statements.</li><li>Assists in all other necessary mortgage duties and projects when needed.</li><li>Adheres to all state, federal and credit union regulations, policies and guidelines.</li></ol>

Job Requirements/Expectations:
<ol><li>Reports to work punctually, works all scheduled hours, and works overtime as necessitated by business demand. </li><li>Interpersonal skills to represent the Credit Union in a positive way during member contact.</li><li>Interpersonal skills necessary to gather data from a number of sources and to represent positively the Credit Union during such contacts.</li><li>Ability to provide quality service to members by phone or in person or by email.</li><li>Ability to develop and maintain effective working relationships with co-workers.</li><li>Ability to prioritize assignments and organize work efficiently, to handle large volumes of details.</li><li>Ability to operate related computer applications, on-line terminal and other standard office equipment.</li><li>Accuracy and attention to detail required.</li><li>Lending policies and Real Estate knowledge helpful.</li><li>High school diploma or equivalent (i.e. GED) with a minimum of one year previous related work experience.</li><li>Must be bondable.</li></ol>

Reporting Relationship:
Reports to Mortgage Processing Supervisor.

Supervisory Responsibilities:
This position is not responsible for the supervision of other employees.

Equal Opportunity Employment Statement:
GreenState Credit Union is an EEO/AA Employer. We strongly encourage all individuals to apply for openings with the credit union.

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Mortgage Loan Processor MEMBERS1ST COMMUNITY CREDIT UNION

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