Sorry, this listing is no longer accepting applications. Don’t worry, we have more awesome opportunities and internships for you.

Personal Banker

Redwood Credit Union

Personal Banker

Napa, CA +1 location
Full Time
Paid
  • Responsibilities

    Plan, prepare and organize up to the most complex real estate loan documentation.  Ensure accurate and expeditious loan closings while providing superior Member service while working accurately and efficiently in a fast paced environment.

    THE BIG STUFF (THE JOB):

    • Arrange for the opening of escrows through title companies; order and review preliminary title reports for accuracy and acceptability.
    • Verify all types of borrower income from basic paystubs to complex personal and business tax returns as required in DU messages and RCU procedures.
    • Order appraisal and all other third party documents, e.g., tax service, flood certification, and credit report, as applicable. Review all such documentation for accuracy and acceptability.
    • Review appraisals to ensure that required level of appraisal fieldwork has been completed, that they are of professional quality and are prepared in a way that is consistent with FNMA and RCU requirements.
    • Request, review and obtain proper documentation on all mortgage loans, and inform Loan Officer if follow-up is needed.
    • Review mortgage applications to ensure accuracy, completeness and compliance with government, internal, and investor standards.
    • Prepare and submit a complete and accurate file to underwriting.
    • Inform Loan Officers of underwriting conditions, and all other relevant information regarding the status of the file.
    • Take ownership of processing highly sensitive or uniquely complex loan files (employees, member service escalations)
    • Review denials for opportunities to restructure or counter offer.
    • Collect, and provide instructions for collecting, required documentation and scheduling appointment for signing of mortgage loan documents.
    • Promptly identify issues raised in documents received, address any such issues and notify the Loan Officer accordingly.
    • Ensure all required conditions have been cleared prior to disbursement of loan funds and resolve any issues with escrow.
    • Answer and respond to telephone calls within established performance and service guidelines.
    • Draw loan documents and fund mortgage loans on an as needed basis.
    • Cross-sell other Credit Union products and services that are appropriate to each Member on an as needed basis.
    • Ensure files are fully documented, accurate and complete prior to auditing function.
    • Coordinate and communicate with Loan Officer to ensure Member expectations are understood and met.
    • Send compliance documents (Loan Estimate, Closing Disclosure, Appraisals, etc.) to Members as assigned by Loan Officers.
    • Identify expired counteroffers and send out Statement of Credit Denial and Adverse Action Letters as required.
    • Accurately read and interpret underwriting/DU findings and Transmittal Summaries.
    • Take actions necessary to address Member service requests after the loan has closed.

     

    Required Skills

    KNOWLEDGE, SKILLS AND ABILITIES

    • Knowledge of modern office administration techniques and methods.
    • Knowledge of secondary market investor requirements, compliance requirements, selling procedures and guidelines.
    • Knowledge of Federal and State laws, rules and regulations related to real estate lending and credit unions.
    • Knowledge of processing real estate loan files to meet RCU and Fannie Mae standards.
    • Skill in operation of a PC, Word, Excel, Loan Origination Systems (Mortgage Cadence, etc.), Symitar, Point and Desktop Underwriter.
    • Skill in using an Internet-based origination system, information system for depositories, and an Internet-based document prep software.

    Required Experience

    EDUCATION AND EXPERIENCE

    A combination of education and experience equivalent to a high school education, plus EIGHT OR MORE YEARS of residential loan processing or underwriting experience.

     

    WE WANT TO HEAR FROM YOU AND HOW YOU WOULD MAKE A GREAT ADDITION TO OUR SUPERB SENIOR MORTGAGE LOAN PROCESSOR.

    SERVICE ~ TRUST ~ PEOPLE ~ COOPERATION We are an Equal Opportunity Employer

  • Qualifications

    KNOWLEDGE, SKILLS AND ABILITIES

    • Knowledge of modern office administration techniques and methods.
    • Knowledge of secondary market investor requirements, compliance requirements, selling procedures and guidelines.
    • Knowledge of Federal and State laws, rules and regulations related to real estate lending and credit unions.
    • Knowledge of processing real estate loan files to meet RCU and Fannie Mae standards.
    • Skill in operation of a PC, Word, Excel, Loan Origination Systems (Mortgage Cadence, etc.), Symitar, Point and Desktop Underwriter.
    • Skill in using an Internet-based origination system, information system for depositories, and an Internet-based document prep software.
  • Industry
    Financial Services
  • Locations
    Napa, CA • Santa Rosa, CA