Chexsystems Jobs (NOW HIRING)

We are seeking a Loan Processor - Home Loans for the NOLA Home Loan Processing Department.

 Credit Human has committed to a vision of serving communities by alleviating financial stress and a mission of helping people build, create, and maintain financial slack. Buying and maintaining a home is a source of slack and stability for families. The Home Loan Processor serves an integral role in our mission and the tangible impact on our members.

The role of the Home Loan Processor is to follow policies, procedures, and guidelines for Credit Human Home Loans in accordance with Credit Human lending guidelines, secondary market guidelines, and state, and federal regulations. The incumbent must stay abreast of internal lending policies, practices, guidelines, lending systems, and products, as well as the external regulatory and economic environment.

If you have financial industry experience working with loan applications, you should apply right away!

Highlights:

• Follow procedures to process home loan products efficiently and accurately in a quality consistent with established FNMA, Private Mortgage Insurance, and internal Credit Union guidelines as well as meeting all regulatory requirements including NCUA and CFPB
• Maintain a pipeline of loans and be responsible for the compliant and timely flow of such loans through the process
• Review loan files for completeness upon receipt and update data in the system of record as needed
• Verify the accuracy of all information provided by borrowers at the time of loan application including but not limited to income, assets, employment, liabilities, and residence
• Actively implement an annual individual learning plan for personal and professional growth

Experience:

    Required

• Minimum 1 year of financial industry experience working with loan applications.
• Desire and ability to work in a production environment processing mortgage loans.
• Experience with managing a loan pipeline. 
• Knowledge of credit and collateral underwriting guidelines and rules and regulations governed by state and federal agencies.
• Knowledgeable in real estate origination, processing, underwriting, and closing principles to include secondary marketing automated underwriting engines.

• Working knowledge of Fannie Mae Guidelines, DU® guidelines and risk assessment tools used to decision mortgage loans.

    Preferred

• Mortgage processing experience including conventional underwriting a plus.
• Fannie Mae processing experience a plus.
• Basic knowledge of mortgage.

Education:

    Required

• High school diploma or equivalent

    Preferred

• Bachelor’s degree in business or related field

Licenses & Certifications:

    Required

• Registration as Mortgage Loan Originator (MLO) with National Mortgage Licensing System and Registry.

    Preferred

• NMLS registered

Skills & Knowledge:

    Required

• Computer skills to include automated underwriting systems, MS Word, MS Outlook, MS Excel, and Fannie Mae’s Desktop Underwriter - DU®.
• Ability to use sound judgment and possess strong decision-making skills.
• Strong analytical, problem solving and audit skills.
• Strong organization skills and results orientation.
• Ability to effectively communicate.
• A strong sense of urgency about solving problems, meeting challenging deadlines and achieving critical goals. 

    Preferred

• Encompass Software knowledge

Schedule: Monday-Friday, 8:30 am-5:30 pm 

Flexibility: In office, on site; not remote or hybrid

Level of Work: 1C

Credit Human provides employees with many benefits from insurance coverage to college tuition reimbursement.

To get to know Credit Human and learn more about our benefits, visit our careers page at www.credithuman.com/careers.

Credit Human conducts employment background checks that may be used for decisions related to employment with Credit Human. Standard background checks performed on final candidates include NCUA Administrative and Prohibited Orders, ChexSystems, past employment verification, criminal history checks on convictions, and outstanding arrest warrants within the past seven years. Degree verifications are conducted if listed on the employment application. Additional background checks relevant to the role may include a motor vehicle registration check, credit check, and/or fingerprint card. Applicants must be currently authorized to work in the United States on a full-time basis.