Patelco Credit Union

  • Home Loan Processor

    Job Locations US-CA-Pleasanton
    Req No.
    Mortgage Lending
    Regular Full-Time
  • Overview

    In this role, responsibilities will include all aspects of home loan processing from reviewing new loan setups to
    assisting members.


    • Responsible for ensuring that all loan documentation is complete and accurate
    • Calculate income, review bank statements, verifies member credit, employment and reserves. Order additional documentation to complete loan file
    • Communicate with various companies to obtain Property Report, Flood Certificate, Title Commitment and payoff information
    • Delivers completely documented file to the underwriter which is ready for approval or denial
    • Assure that all files are complete and in compliance within RESPA, TIL, HMDA, Reg B (all mortgage related regulations) and internal policies
    • Prepare commitment letters, denial letter and cancel files when necessary
    • Manage pipeline by reports within established turn-around time
    • Serve as primary point of contact for applications in process
    • Provide members with timely and periodic status updates of their loan application
    • Communicates professionally with members and vendors, as evidenced by outstand member survey ratings
    • Understand and comply with all applicable federal and state laws and banking regulations (including those related to OFAC and Bank Secrecy Act / Anti-Money Laundering compliance) and Patelco Credit Union’s policies and procedures


    • Must have HS Diploma/GED
    • Two (2) to Five (5) years’ experience processing mortgage and home loans
    • Strong analytical skills – Ability to analyze salaried and self-employed income including schedules C and E  
    • Knowledge of conventional underwriting guidelines and regulatory statutes concerning residential real estate lending
    • Experience dealing directly with borrowers demonstrating both excellent written and verbal skills
    • Proficient in MS applications, including Word and Outlook


    Competencies Required

    • Excellent organizational and time-management skills with the ability to multi-task and manage numerous projects simultaneously
    • The ability to work independently while being a genuine "team player"
    • Experience owing course development and materials from beginning to end
    • Ability to work collaboratively and communicate with employees and managers at all levels
    • Maintain professionalism at all times
    • Strong organizational, problem-solving, and analytical skills
    • Must be detail-oriented
    • Must be flexible and have the ability to work under pressure and deliver projects within given deadlines
    • Exemplify Patelco’s values of integrity, communication, respect, trust, quality, service excellence, initiative, collaboration and teamwork

    Physical Activities/Requirements

    • Ability to work on a computer for extended periods of time.





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