Job Description

When joining Elevations, you can expect to work for a company with:

• A leadership team that strives to make this the best place you’ve ever worked!
• A focus on supporting our employees’ mental, physical, and financial well-being
• A commitment to diversity, equity, and inclusion recognized by the Denver Business Journal and Colorado Association of Realtors
• A highly engaged workforce devoted to innovation, continuous improvement, and collaboration
• A reputation for excellence, as evidenced by being a two-time recipient of the Malcolm Baldrige National Quality Award
• A passion for consistently providing amazing experiences and creating raving fans

When joining Elevations, you can expect to work for a company with:

• A leadership team that strives to make this the best place you’ve ever worked!
• A focus on supporting our employees’ mental, physical, and financial well-being.
• A commitment to diversity, equity, and inclusion recognized by the Denver Business Journal and Colorado Association of Realtors.
• A highly engaged workforce devoted to innovation, continuous improvement, and collaboration.
• A reputation for excellence, as evidenced by being a two-time recipient of the Malcolm Baldrige National Quality Award.
• A passion for consistently providing amazing experiences and creating raving fans.

Location

• Elevations Credit Union- Broomfield Basecamp

• Hybrid: Employees who are able to perform the essential functions of their jobs away from an Elevations location may do so with the expectation that they are onsite at least fifty percent of the time over a two-week pay period.

Objective

The Mortgage Loan Processor’s primary responsibility is to develop and drive an amazing customer experience for our members. The professional in this position will be responsible for ensuring accurate, compliant and complete loan files, all while meeting every scheduled deadline and closing date. This position requires constant verbal and written communication with Loan Officers, external partners and others on the team while maintaining an outstanding positive attitude.

Essential Functions.

• Review new loan submissions within 24 hours of receipt.
• Order Verification of Employment, appraisal, title, etc.
• Submit a clean file to the Underwriting and closing teams, ensuring that all required documents are present, and the Loan
• Origination system is filled out in its entirety
• Work with the Loan Officer/Loan officer assistant team to obtain underwriting conditions and submit them back for a clear to close within 24 hours of receiving all the required conditions
• Oversee daily volumes, monitory Pipeline, and assist in meeting service level standards
• Collect and verify all documentation required such as member documents, Title work, credit supplements, fraud reports, homeowner’s insurance, tax transcripts and verifications of employment (VOEs), Verification of Mortgage (VOMs),
• Verification of Deposit (VODs), and Verification of Rent (VORs), income documentation, etc.
• Proactive and timely communication to members and business partners on loan decisions and underwriting guidelines
• Adheres to all applicable Federal and State laws and regulations governing the Credit Union, including the Bank Secrecy Act (BSA).
• Review new loan submissions within 24 hours of receipt.

Reports To

Mortgage Processing Manager

Manages:

This role does not have supervisory responsibility.

Required Skills, Education and Experience

• High school diploma or equivalent work experience
• Strong PC skills (MS Office) required
• Knowledge of federal lending regulations governing residential real estate lending
• Recent and consistent experience with all GSE investors, DU, LP and Preferred

Preferred Skills, Education and Experience

• Associates degree preferred
• Technical knowledge relating to mortgage banking compliance, FHA, VA, Conventional and FNMA guidelines a plus
• Recent experience with Fannie Mae and Freddie Mac
• Experience working with Encompass

Work Environment

Elevations uses multi-factor authentication to keep our data safe. As such, a personal smartphone is a requirement for employment with us. This job operates in an office setting and routinely uses standard office equipment.

Physical Requirements

• Sitting frequently, walking occasionally, use of hands frequently, hearing constantly, talking frequently, exerting up to 10 lbs of force occasionally to lift, carry, push, pull, or move objects

Position Type/Expected Hours of Work

• Full time / 40 hours per week

Classification:

• Non-Exempt

Compensation:

The person hired into this position will likely earn between $26.00 and $32.52+ monthly incentive. The candidate's starting salary will be adjusted based upon his, her, or their experience.

Anticipated Application Window:

This role is anticipated to close within 25 days from the date of posting. However, if the position has not been filled, Elevations may keep the application period open longer.

Other Duties

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

About Us: Elevations Credit Union is a member-owned not-for-profit financial institution serving Colorado’s Front Range. Founded in 1952, we’ve grown from 12 members and less than $100 in assets to an institution with 15 branches and more than 170,000 members that manages over $3 billion in assets and is the No. 1 credit union mortgage lender in Colorado. At Elevations, we’ve made a commitment to move away from a product-centered business model and focus instead on creating consumer solutions. Our objective is to provide our members, as well as the entire community, with unbiased consumer information.

EEO Statement: The Credit Union is dedicated to the principles of equal employment opportunity. We prohibit unlawful discrimination against applicants or employees on the basis of age 40 and over, race (including traits historically associated with race, such as hair texture and length, protective hairstyles), sex, sexual orientation, gender identity, gender expression, color, religion, creed, national origin, ancestry, disability, military status, genetic information, marital status, or any other status protected by applicable state or local law.

Candidates for certain positions may be required to submit to a credit history report in determining qualification for employment with Elevations Credit Union. If the position you are applying for requires a credit history report, any information received in such a report will not be the sole factor in making an employment decision. A history of personal financial irresponsibility may be reason for disqualification insofar as it relates to your potential job duties. Elevations Credit Union is aware that occasionally there are extenuating circumstances that may affect an individual's credit history. We comply with the Fair Credit Reporting Act and the Colorado Employment Opportunity Act.

ELEVATIONS CREDIT UNION’S COMMITMENT TO PRIVACY

Your privacy is important to us. When you use this Careers site to apply for a job at Elevations Credit Union (“we” and “us”), we collect your personal information. Examples of personal information collected on the Careers site include your name, contact details, and information you provide for purposes of job applications. We do not sell your personal information to a third party. We may share your information with a third party who is performing a service for us related to job applicants. If you have any questions about this privacy statement, please contact us.

Applicants have rights under Federal Employment Laws

Know Your Rights Poster

Employee Polygraph Protection Act (EPPA)