If you would enjoy working in a dynamic environment and are looking for an opportunity to become part of a stellar team of professionals dedicated to service, we invite you to apply online today.

This position offers a flexible hybrid work arrangement, allowing employees to balance in-office collaboration with the benefits of remote work. We provide the necessary tools and technology to ensure seamless productivity, whether you're working from home or the office.

SUMMARY:
The primary responsibilities of the Home Equity Loan Processor II are to assist members with their financial needs regarding home equity loans in an efficient and professional manner, and process loan files timely and accurately, while providing excellent service. The Home Equity Processor II will also provide mentorship and provide support to HE Processor I.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Interview member, review and analyze loan application and supporting documentation provided.
• Demonstrate excellent attention to detail to ensure all responsibilities related to the loan process are completed accurately and efficiently.
•  Accurately input loan information into loan origination system.
• When applicable, provide restructured loan solutions for member’s whose loan requests do not meet guidelines.
• Process and review all order outs to include, but not limited to appraisals, flood and title reports.
• Effectively communicate with all internal staff, to include but not limited to, underwriting, closing, loan servicing, private banking etc.
• Advises members of loan decisions.
• Maintain clear, concise and detailed notes in the loan origination system throughout the loan process.
• Maintain a report of all assigned loans and review daily to ensure timely progression
• Provide excellent service to credit union members in accordance with the organization’s expectation.
• Maintain relevant licensing and updates with NMLS Safe Act.
• Adhere to TRID, REG Z, NCUA and all other applicable regulations applicable to home equity loans.
• Adhere to organization’s loan processing guidelines.
• Provide updates to management regarding escalated files and high touch files.
• Maintain knowledge of products, policies, procedures and attend training to continue to enhance knowledge.
• Properly prepare all necessary documents for pre-quality check and closing team.
• Confirm and communicate closing date with closing team and member.
• Provide mentorship and support to HE Loan Processor I.
• Provide feedback to management regarding process improvements and trends.

EDUCATIONAL AND WORK EXPERIENCE REQUIREMENTS:

• Minimum of 3 years of experience as a Home Equity Loan Processor.
• Knowledge of home equity products, services, policies, and procedures.
• Ability to learn new concepts at fast pace, and to apply these new concepts.
• Must be able to work with minimal supervision.
• Must be able to work towards individual goals and department goals.
• Good clerical skills with particular attention to detail.
• Effective analytical, problem-solving, organization, and planning skills.

ADDITIONAL/IMPORTANT SKILLSETS:

• Ability to operate loan processing system(s), computer, calculator, telephone, and other equipment as needed.
• Skilled in all MS Office products.
• Knowledge of Loans PQ, DNA are a plus.
• Ability to multi-task and work on various projects in a given time frame.
• Excellent verbal and written communication skills.

PHYSICAL REQUIREMENTS:

To perform this job successfully, the employee must be able to perform each essential job duty satisfactorily. All employees must be able to communicate face to face or through technology with or without reasonable accommodation. Employee will be in an office environment (well-lighted, heated, and air-conditioned) typically stationed at a desk or table. Employee will be asked to sit and stand for various increments of time, and to lift/push up 10 lbs. Clerical office duties on various forms of technology are required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.

All positions that have lending responsibilities must comply with all requirements under the SAFE ACT, as well as the Credit Union’s policies and procedures related to the SAFE ACT. This includes an obligation on the employee’s part to ensure that NMLA registration pertaining to the SAFE ACT is kept current. The employee must notify the Credit Union within 30 days of any changes that need to be reflected on the NMLS registry.

Georgia’s Own Credit Union is an equal opportunity employer and will not discriminate against any employee or applicant on the basis of age, color, disability, gender, national origin, race, religion, sexual orientation, veteran status, or any classification protected by federal, state, or local law. Consistent with obligations under federal law, every company that is a federal contractor or subcontractor is committed to taking affirmative action to employ and advance women, minorities, disabled veterans, special disabled veterans, veterans of the Vietnam era, and other eligible veterans. 

We are an equal opportunity employer. Employment selection and related decisions are made without regard to sex, race, age, disability, religion, national origin, color or any other protected class.