HE/Mortgage Loan Processor - Westchase District

This is an on-site position located in Houston, Texas

The role of the Smart Financial HE/Mortgage Loan Processor is to provide highly skilled assistance in the processing of purchase loans, refinances, Texas home equity loans, HELOCS, home improvement loans, and lot loans for Smart Financial members. The mortgage loan processor will process conventional loans on a portfolio, mini-correspondent, and wholesale basis. They may also process FHA and VA loans on a wholesale basis. The processor will collaborate with department loan originators, credit underwriters, management, and team-members on the application process to provide efficient quality service. They are accountable to process credit applications and disclosure packages in accordance with all quality and regulatory standards, ensuring each loan files complies with all applicable state and federal laws, banking regulations, and Smart Financial's policies and procedures.

• Reviews loan application packages and supporting documentation for accuracy, including loan type, purpose, borrower identity, credit history, residence history, employment history, and any other applicable information as needed. Verifies income, assets and liabilities while ensuring all milestones and deadlines are met in accordance with process flow and contract closing dates. Follows up on documentation requests to ensure all required turn times are met (lock dates/ closing dates on sales contracts). Provide clear and concise instruction and documentation requests to the member owner, and third parties, as well as provides regular status updates keeping the member owner in the loop throughout the process.
• Some loan programs require higher urgency, or fast track processing. The processor will prioritize their pipeline accordingly and communicate expectations effectively in order to meet demand and stated turn times for applicable programs. Maintain timely communication with all parties, including member owners, loan officers, realtors, title company, insurance agents, underwriters, investors, title attorneys, and more as applicable.
• Calculates income and assets for W2 wage earners, self-employed applicants, and others, as applicable to ensure the member owner(s) meets the minimum requirements for their loan request. Orders products such as appraisals, AVMs, title work, flood certs, credit reports and will review documents for accuracy, addressing any potential issues or concerns.
• Works cohesively with the mortgage lending team to ensure the process is a collaborative and seamless for the member owner and other parties to the transaction. Takes personal responsibility for ongoing education around product changes, guideline changes and portfolio and investor guidelines.
• Builds on the relationship the loan officer has already created to ensure the member's experience is positive. Maintains regular communication and will be an advocate for the member owner ensuring their mortgage request is handled delicately, efficiently and with the highest level of care and member service.

Requirements

Experience

A minimum of one year up to three years of similar or related experience, including preparatory experience.

Education/Certifications/Licenses

A high school degree or equivalent NMLS required

Interpersonal Skills

A significant level of trust, credibility and diplomacy is required. In-depth dialogues, conversations and explanations with customers, direct and indirect reports and outside vendors can be of a sensitive and/or highly confidential nature. Communications may involve motivating, influencing, educating and/or advising others on matters of significance.

Other Skills

Knowledge of Fannie Mae and Freddie Mac guidelines are preferred. Experience with Encompass LOS (or comparable) is preferred. Basic knowledge of Texas home equity lending laws and mortgage lending regulations is preferred.

Physical Requirements

Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing/descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, computer terminal and keyboard, facsimile, calculator, and understands computer basics. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance.

Working Conditions

Must be able to routinely perform work indoors in climate-controlled private or shared work area with minimal noise.

Mental and/or Emotional Requirements

Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be able to perform basic mathematical calculations with extreme accuracy. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines/requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters. Ability to perform non-complex arithmetic calculations (addition, subtraction, multiplication, division, percentages) to prepare loan files for submission to loan underwriters, normally achieved through a high school education.

Benefits

Smart Financial Credit Union offers a competitive salary and excellent top-tier benefits. In addition, Smart Financial Credit Union has a tuition reimbursement program; full-time employees can receive up to $4,000 per year in tuition reimbursement.

Smart Financial Credit Union was ranked as Houston's Best Places to Work! Five consecutive years in a row!
Source: Houston Business Journal, 2011, 2012, 2013, 2014, and 2015.

Smart Financial Credit Union was ranked USA Top Workplaces (National Award)!
Source: Houston Chronicle - 2021

Smart Financial Credit Union was ranked Top Workplaces (Regional Award)! Six consecutive years in a row!
Source: Houston Chronicle - 2016, 2017, 2019, 2020, 2021, 2022, 2023, and 2024

Smart Financial Credit Union was also ranked as Best Companies to Work for in Texas! Four consecutive years in a row!
Source: Texas Association of Business (TAB) and Texas Monthly Magazine 2014, 2015, 2016, and 2017

Applicants must submit a resume in order to be considered for the position.

Smart Financial does not discriminate on the basis of race, sex, color, religion, age, national origin, marital status, disability, veteran status, genetic information, sexual orientation, gender identity or any other reason prohibited by law in provision of employment opportunities and benefits.

Smart Financial Credit Union (SFCU) commits to fostering a diverse, equitable, and inclusive workforce and member base where a sense of belonging is evident. Our core values and purpose compel us to invest in our culture, with the objective that all who interact within and with the credit union can be appreciated for their unique individuality and thrive in the environment, with respect for each other and our greater community.

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