Mortgage Loan Processor

Join Our Team and Help Members Achieve Homeownership

Are you an experienced Mortgage Loan Processor who thrives in a fast-paced environment and takes pride in delivering exceptional service? At BCCU, we're looking for a detail-oriented professional who is passionate about guiding mortgage loans from application through closing while ensuring an outstanding member experience.

As a Mortgage Loan Processor, you'll play a critical role in the mortgage lending process by preparing complete, compliant loan files, coordinating with borrowers and third-party partners, and helping our members achieve their homeownership goals with confidence.

What You'll Do

As a key member of our Mortgage Lending team, you will:

• Process residential first and second mortgage loan applications from submission through closing.
• Review loan documentation for completeness, accuracy, and compliance with investor and regulatory guidelines.
• Calculate debt-to-income (DTI), loan-to-value (LTV), and income ratios.
• Order and review credit reports, appraisals, verifications, title work, and other required documentation.
• Analyze borrower documentation and prepare complete loan files for underwriting with recommendations.
• Communicate underwriting decisions, conditions, and loan status updates with Loan Representatives, members, Realtors, attorneys, and title companies.
• Coordinate loan closings, prepare Closing Disclosures and closing packages in compliance with TRID and CFPB regulations.
• Schedule closings and ensure timely funding, booking, shipping, and servicing of mortgage loans.
• Maintain accurate records within the loan origination system, servicing platform, and core operating system.
• Complete HMDA reporting requirements and ensure compliance with all applicable federal and state mortgage regulations.
• Partner with Post Closers to complete quality control reviews and obtain outstanding documentation.
• Cross-train with other mortgage operations staff to support daily workflows and provide operational backup as needed.
• Build strong working relationships across departments while delivering outstanding service to our members.

What We're Looking For

Required Qualifications

• High school diploma required; additional post-secondary education preferred.
• 1-2 years of mortgage loan processing experience.
• Experience processing Conventional, FHA, VA, USDA, and other residential mortgage products.
• Working knowledge of FNMA, FHLMC, FHA, and investor underwriting guidelines.
• Knowledge of mortgage lending regulations, including:
  • Regulation Z (Truth in Lending)
  • ECOA / Regulation B
  • HMDA
  • TRID requirements
• Strong analytical skills with the ability to calculate income, DTI, LTV, and payment ratios.
• Proficiency with mortgage loan origination software and Microsoft Office (Word, Excel, Windows).
• Excellent organizational, communication, and customer service skills.
• Ability to prioritize multiple files while maintaining accuracy and meeting deadlines.
• Self-motivated with the ability to work independently and collaboratively.

What Makes You Successful

You are someone who:

• Has exceptional attention to detail.
• Enjoys solving problems and working through complex loan scenarios.
• Communicates effectively with borrowers, coworkers, Realtors, attorneys, and third-party vendors.
• Maintains confidentiality and professionalism.
• Takes ownership of your work and consistently follows through.
• Thrives in a collaborative, member-focused environment.

Physical Requirements

• Ability to sit, stand, squat, and move throughout the workday.
• Ability to lift up to 30 pounds occasionally.
• Reliable transportation required.
• Flexibility to work additional hours when needed to meet business demands.

Our Core Values

At BCCU, our values guide everything we do:

• People First – We put others at the heart of all we do.
• Local Focus – We strengthen our community through service and giving.
• Always Learning – We embrace growth and continuous improvement.
• Driven with Purpose – We strive to make a meaningful impact every day.
• Own Our Outcomes – We take accountability and deliver on our commitments.

Why Join BCCU?

At BCCU, you'll become part of a collaborative team dedicated to helping members achieve one of life's biggest milestones—homeownership. We value integrity, teamwork, professional growth, and exceptional service. If you're looking for an opportunity where your expertise makes a real difference, we'd love to hear from you.

This is a hybrid role 

Apply today and help make homeownership possible for our members.