Sr. Home Loan Processor
Gesa Credit Union, Richland, WA, United States
Role Summary
The Sr. Home Loan Processor position is responsible for ordering, gathering, reviewing, and preparing required loan documents for all residential mortgage loans. This includes ensuring all loan conditions are fulfilled and the loan meets all credit union, regulatory, and secondary market guidelines. The role has expert, wide‑range job knowledge and handles significant responsibilities beyond the Loan Processor II level. It acts as a resource for other Loan Processors, providing guidance, mentorship, and training.
What You Will Be Doing
Review loan applications for accuracy, compliance, and completeness to ensure loans comply with regulatory, lending, investor and secondary market guidelines.
Order appraisals, title commitments, tax transcripts, income verifications, government case numbers, fraud and compliance reports.
Communicate and collaborate with borrowers, loan officers, realtors, vendors and operations staff to provide status updates and outstanding items for organized, accurate and timely closings.
Review, collect, and fulfill underwriting conditions.
Evaluate appraisals, title policies, credit reports, and income verifications.
Investigate inconsistencies in supporting documentation to identify potential fraud or misrepresentation.
Prepare and deliver re‑disclosures to members within regulatory guidelines based on identified changes in circumstance.
Prepare and deliver documents in an accurate, timely manner adhering to regulatory requirements.
Coordinate loan closing, recording, and funding with escrow.
Review signed closing documents to ensure accuracy, proper execution, and completeness.
Prepare and disburse loan funds.
Perform post‑closing responsibilities including packaging and shipping investor loans.
Prioritize and monitor daily workload to meet company timeline expectations and lock expirations.
Meet minimum monthly goals established by management.
Maintain thorough knowledge of all credit union mortgage products.
Control risk and perform duties safely and soundly while maintaining awareness of policies and regulations.
Understand and perform BSA functions applicable to the role.
Attend credit union training sessions, conferences, or seminars approved by leadership.
Maintain a dependable record of attendance and commitment.
Maintain a professional, courteous, and friendly attitude and display mutual respect, trust, and dignity while acting in the best interest of the credit union; lead by example with solid ethics and integrity.
Maintain and protect all sensitive data with the highest standard of confidentiality and professionalism.
Willingly perform other job‑related projects and duties as assigned, self‑initiating assistance and requesting assistance from teammates as appropriate.
About You
High accuracy and attention to detail.
Effective oral and written communication skills.
Success in a deadline‑driven environment, adapting to changes and prioritizing competing demands.
Consistent contribution to positive morale of the team.
Interpersonal skills to relate effectively and professionally to peers and all levels of management.
Ability to work collaboratively in a diverse work group as well as independently with minimal supervision.
Qualifications
High school diploma or equivalent completion of specialized course of study, training, and experience.
Minimum five (5) years of mortgage processing experience.
Minimum three (3) years of experience processing Correspondent, FHA, and VA loans.
Proficiency in calculating income for all types of income, including self‑employment.
Proven track record of maintaining monthly pipeline goals.
Qualification in clearing final conditions on designated loans.
Expert experience with AUS, loan origination software and navigating vendor partner platforms.
Proficiency with standard Microsoft Office Suite.
Some travel required for training and business objectives.
Valid driver’s license.
Our Team Member Value Proposition
Competitive Pay
Medical, Dental, Vision, and Life Insurance
20 days/year of Paid Time Off – Plus 10 Paid Holidays
401(k) Match
Incentive Program
Tuition Assistance and Student Loan Repayment
Commuter Benefits
Paid Time Off to Volunteer in the Community
Product Discounts
Engaging Work Environment
Rewards and Recognition Programs
Full Salary Range Richland, WA: $25.70–$42.83 per hour.
Vancouver, WA: $27.33–$45.56 per hour.
Most new team members typically start between the minimum and midpoint based on experience and qualifications. This approach allows room to grow within the role as your career progresses with us.
EEO and Accommodation We will ensure that individuals with disabilities receive reasonable accommodations to participate in the job application or interview process, perform essential job functions, and receive other benefits and privileges of employment. Please contact the HR Department at (509) 378‑3100 or hrmail@gesa.com to request an accommodation.
Gesa Credit Union reserves the right to revise or change the job description as the need arises. This job description is not all‑inclusive of total job responsibilities nor does it constitute a written or implied contract of employment.
Selected candidate(s) must be able to pass a pre‑employment credit/background check.
Gesa Credit Union is an Equal Opportunity Employer and strong advocate of workforce diversity. Race/Color/Gender/Sexual Orientation/Gender Identity/Religion/National Origin/Disability/Veteran.
Equal Employment Opportunity (gesa.com)
#J-18808-Ljbffr
What You Will Be Doing
Review loan applications for accuracy, compliance, and completeness to ensure loans comply with regulatory, lending, investor and secondary market guidelines.
Order appraisals, title commitments, tax transcripts, income verifications, government case numbers, fraud and compliance reports.
Communicate and collaborate with borrowers, loan officers, realtors, vendors and operations staff to provide status updates and outstanding items for organized, accurate and timely closings.
Review, collect, and fulfill underwriting conditions.
Evaluate appraisals, title policies, credit reports, and income verifications.
Investigate inconsistencies in supporting documentation to identify potential fraud or misrepresentation.
Prepare and deliver re‑disclosures to members within regulatory guidelines based on identified changes in circumstance.
Prepare and deliver documents in an accurate, timely manner adhering to regulatory requirements.
Coordinate loan closing, recording, and funding with escrow.
Review signed closing documents to ensure accuracy, proper execution, and completeness.
Prepare and disburse loan funds.
Perform post‑closing responsibilities including packaging and shipping investor loans.
Prioritize and monitor daily workload to meet company timeline expectations and lock expirations.
Meet minimum monthly goals established by management.
Maintain thorough knowledge of all credit union mortgage products.
Control risk and perform duties safely and soundly while maintaining awareness of policies and regulations.
Understand and perform BSA functions applicable to the role.
Attend credit union training sessions, conferences, or seminars approved by leadership.
Maintain a dependable record of attendance and commitment.
Maintain a professional, courteous, and friendly attitude and display mutual respect, trust, and dignity while acting in the best interest of the credit union; lead by example with solid ethics and integrity.
Maintain and protect all sensitive data with the highest standard of confidentiality and professionalism.
Willingly perform other job‑related projects and duties as assigned, self‑initiating assistance and requesting assistance from teammates as appropriate.
About You
High accuracy and attention to detail.
Effective oral and written communication skills.
Success in a deadline‑driven environment, adapting to changes and prioritizing competing demands.
Consistent contribution to positive morale of the team.
Interpersonal skills to relate effectively and professionally to peers and all levels of management.
Ability to work collaboratively in a diverse work group as well as independently with minimal supervision.
Qualifications
High school diploma or equivalent completion of specialized course of study, training, and experience.
Minimum five (5) years of mortgage processing experience.
Minimum three (3) years of experience processing Correspondent, FHA, and VA loans.
Proficiency in calculating income for all types of income, including self‑employment.
Proven track record of maintaining monthly pipeline goals.
Qualification in clearing final conditions on designated loans.
Expert experience with AUS, loan origination software and navigating vendor partner platforms.
Proficiency with standard Microsoft Office Suite.
Some travel required for training and business objectives.
Valid driver’s license.
Our Team Member Value Proposition
Competitive Pay
Medical, Dental, Vision, and Life Insurance
20 days/year of Paid Time Off – Plus 10 Paid Holidays
401(k) Match
Incentive Program
Tuition Assistance and Student Loan Repayment
Commuter Benefits
Paid Time Off to Volunteer in the Community
Product Discounts
Engaging Work Environment
Rewards and Recognition Programs
Full Salary Range Richland, WA: $25.70–$42.83 per hour.
Vancouver, WA: $27.33–$45.56 per hour.
Most new team members typically start between the minimum and midpoint based on experience and qualifications. This approach allows room to grow within the role as your career progresses with us.
EEO and Accommodation We will ensure that individuals with disabilities receive reasonable accommodations to participate in the job application or interview process, perform essential job functions, and receive other benefits and privileges of employment. Please contact the HR Department at (509) 378‑3100 or hrmail@gesa.com to request an accommodation.
Gesa Credit Union reserves the right to revise or change the job description as the need arises. This job description is not all‑inclusive of total job responsibilities nor does it constitute a written or implied contract of employment.
Selected candidate(s) must be able to pass a pre‑employment credit/background check.
Gesa Credit Union is an Equal Opportunity Employer and strong advocate of workforce diversity. Race/Color/Gender/Sexual Orientation/Gender Identity/Religion/National Origin/Disability/Veteran.
Equal Employment Opportunity (gesa.com)
#J-18808-Ljbffr