Real Estate Processor - (Torrance) in Los Angeles, California For Sale

Job Description:Overview: Western Federal Credit Union is currently seeking a detailed, service-oriented, full-cycle Real Estate Loan Processor - Residential to be based in Torrance, CA.Are You Well organized and able to multi-task? Service-oriented? Great with people interactions? Wanting to have a career opportunity? Then Western is Looking for You!When you work for Western Federal Credit Union (being rebranded as UNIFY Financial Credit Union), you will join one of the nation's largest 100 credit unions known for being financially sound, stable and secure and we're proud of the fact that we were able to maintain our staffing levels throughout the Great Recession. And, we're continuing to GROW throughout the country by opening new branches throughout xxxx! When you make Western your new work home, you join like-minded contributors who have made it their mission to provide exceptional service to our members, and who embrace the opportunity to take charge of their careers. Responsibilities: The Real Estate Loan Processor - Residential will: Analyze all income, asset, credit, title and property information for conforming, jumbo, and equity real estate transactions. Manage loan files to ensure the integrity and consistency aligns with what is entered into the loan origination/processing system. Perform analysis and review of all loan information, including, but not limited to credit reports, appraisal reports, title reports, tax returns, financial statements, income and asset documentation. Communicate timely and effectively, both verbally and in writing, with all members and internal team members. Demonstrate proficiency in identifying the need to offer and explain to the member alternate options in advance of underwriting submission as a result of a change in circumstance (eg, LTV change, program change, or restructuring needs). Validate the findings of the automated underwriting engine, pursuant to Credit Union and secondary marketing requirements, to advance to final underwriting decision and communication to member. Maintains fluent knowledge of mandated state and federal regulations, and quality control (QC) and compliance standards as established by the Credit Union. Close mortgage transactions within specified lock expiration dates, typically 30 days or less. Qualifications: Three to four years residential mortgage loan processing and/or underwriting experience, preferably in a financial institution Working knowledge of relevant compliance guidelines for residential real estate lending transactions and secondary markets. Broad understanding of credit fundamentals, real estate products, secondary markets, underwriting, policies, procedures, and all governing regulatory laws and guidelines. Demonstrated sense of urgency, quality orientation, and strong attention to detail Excellent interpersonal, verbal and written communication skills Self-starter, team-oriented, goal-driven High school diploma or equivalent See the Western Difference! At Western, we believe that each team member is a valuable asset. Through a teamwork approach, we strive to provide a positive and rewarding workplace that helps our team members succeed. Western provides a work environment which promotes learning, growth, and the opportunity for team members to challenge themselves. We work together for a common goal: to provide superior service to our members.Competitive Compensation & Excellent Benefits Package* Includes: Medical (PPO/HMO), Prescription, Dental (PPO/DMO), Vision, Life, and Short- and Long-Term Disability Insurance effective from DATE OF HIRE - RARE! Generous Vacation, Sick, Personal, and Holiday pay 401(k) Plan with employer match Defined Benefit Pension Plan fully funded by Western - RARE BENEFIT! Education reimbursement that covers up to 100% of tuition and books for approved programs - RARE BENEFIT! Credit Union membership for you and your family *All programs subject to review and change Western is proud to be a drug-free, equal-opportunity employer. For more information on Western, visit us at www.western.org
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