Department: Residential Real Estate

FLSA:    Non-exempt (Hourly)

EEO:       Administrative 

Salary Grade:  17

Salary Range:  $64,800.00 - $97,200.00

Reporting Structure:  VP Residential Real Estate

People Vision: At Sun, our people shine brightest. We create a culture of empathy, care, and connection that empowers brighter futures and supports well-being for all. Because when we care, lives change.

Position Purpose: The Real Estate Loan Processor is responsible for preparing, processing, and disbursing real estate loans while managing an active pipeline of both pre- and post-funded loans. This role ensures accuracy, compliance, and timeliness across all loan files, while supporting members and internal staff with exceptional service. The Real Estate Loan Processor also oversees escrow account activity and partners with internal teams to deliver seamless loan processing aligned with organizational goals.

ESSENTIAL FUNCTIONS AND BASIC DUTIES

• Process real estate loan applications from initial application through post-funding.
• Order, review, and clear supplementary loan documents such as title reports, flood certifications, and property appraisals.
• Manage a pipeline of real estate loans, ensuring all required documentation is accurate, complete, and compliant with applicable regulations.
• Obtain and process underwriting conditions from Loan Officers and/or members.
• Administer the credit union’s escrow portfolio, including escrow analysis, insurance, and tax payments as needed.
• Support internal and external loan audits.
• Partner with other credit union departments to provide accurate information and support for real estate transactions.
• Represent the Credit Union professionally and provide consistent, positive member service.
• Other duties as assigned.

Position Requirements

Experience & Education:

• High school diploma or GED required; some college coursework preferred.
• Four to six years of mortgage loan processing experience.
• 2 years of experience delegated underwriting with Fannie Mae required
• At least one year of customer service experience

Key Competencies:

• Strong organizational and time management skills; ability to manage multiple files and deadlines.
• Analytical and problem-solving skills with sound decision-making ability.
• Effective written and verbal communication skills.
• Ability to work under pressure while maintaining professionalism and composure.
• Team-oriented mindset with a commitment to member service.
• Active listening skills and attention to detail.
• Self-motivated with a desire for continuous improvement.
• Must have a valid driver’s license and ability to travel locally as needed.
• Proficiency with Microsoft Word and Excel.
  • Ability to utilize phone systems, loan origination systems, and general office equipment.

WORKING CONDITIONS

• Occasional evening and weekend work to meet deadlines.
• Sitting for extended periods of time.
• Dexterity of hands and fingers to operate a computer keyboard, mouse, and to handle other computer components.
• Physically able to participate in training sessions, presentations, and meetings.
• Some travel may be required.

INTENT AND FUNCTION OF JOB DESCRIPTIONS

Job descriptions assist organizations in ensuring that the hiring process is fairly administered and that qualified employees are selected.  They are also essential to an effective appraisal system and related promotion, transfer, layoff, and termination decisions.  Well- constructed job descriptions are an integral part of any effective compensation system.  

All descriptions have been reviewed to ensure that only essential functions and basic duties have been included.   Peripheral tasks, only incidentally related to each position, have been excluded.  Requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions.  In no instance, however, should the duties, responsibilities, and requirements delineated be interpreted as all inclusive.   Additional functions and requirements may be assigned by supervisors as deemed appropriate.  

In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals.  However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.

Job descriptions are not intended as and do not create employment contracts.  The organization maintains its status as an at-will employer.  Employees can be terminated for any reason not prohibited by law.