HELOC Processor

Job Description

Title: HELOC Processor I

Department: Member Outreach

Reporting to: VP of Member Outreach

FLSA Classification: non-exempt

Created Date: April 30, 2026

Revised Date: April 30, 2026

Position Summary

The Home Equity Line of Credit (HELOC) Processor I is responsible for managing and processing HELOC loan applications from submission through closing. This role involves ensuring all documentation is complete, accurate, and compliant with regulatory standards and company policies. Key responsibilities include title search requests &/or curative requirements, flood certifications, clearing any applicable stipulations, closing process, generating closing documents, gathering signatures from borrower(s), and initial disbursement (if applicable). They must communicate professionally and effectively while working efficiently in a fast-paced environment. This position requires strong organizational skills, attention to detail, and a willingness to learn and grow in the retail lending environment.

Essential Job Functions And Responsibilities

• Review and process HELOC loan applications, ensuring all required documents are collected, verified, and meeting underwriting guidelines. Very borrower information, including income, employment, assets, and liabilities, to ensure accuracy and completeness. Maintain organized and detailed HELOC loan files, ensuring all documents are property filed and accessible.
• Ensure all loan files comply with federal, state, and company policies and regulations. Stay informed about industry trends, regulatory changes, and best practices to continually improve the HELOC processing function.
• Act as a liaison between member outreach specialist(s), borrowers, underwriters, and other related parties to facilitate a smooth loan process including loan closing. Identify and resolve issues or discrepancies in loan files, escalating complex issues to the appropriate parties as needed. Provide exceptional member service to borrowers, answering questions, and addressing concerns throughout the loan process.
  
  

Minimum Qualifications

Educational Requirements

High School Diploma or GED required.

Certificates/Licenses

Reliable transportation is required.

Must have and maintain a valid driver’s license

Experience

General retail lending & processing experience: 1 year

Additional Requirements

Job Knowledge

• Intermediate computer skills in MS Office Suite (Word, Excel, Outlook, PowerPoint, Microsoft Teams) and Encompass
• Basic understanding of retail lending processes and terminology
• Strong organizational and time-management skills
• Attention to detail and accuracy
• Excellent communication and interpersonal skills
• Ability to work effectively in a team environment and independently
• Strong problem-solving skills and the ability to handle multiple tasks simultaneously
• Ability to learn proprietary computer software such as Keystone and OnBase
  
  

Interpersonal Skills

• Intermediate written and verbal communication skills required to facilitate sharing of information with members, staff, and external contacts.
• Ability to create an atmosphere which promotes TTCU’s Core Values by maintaining a high level of personal integrity, presenting a friendly, enthusiastic, and professional demeanor while providing extraordinary service to employees and members and fostering teamwork among employees.
  
  

Working Conditions

Work Environment

• Routinely perform work indoors in climate controlled shared work area with minimal noise
• Must be able to perform job functions either independently or under supervision and work effectively on own. Must be able to plan their own work activities as well as take direction. Must be able to read and carry out various complicated written and oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be able to perform basic mathematical calculations with extreme accuracy. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.
  
  

Physical Demands

• Must be able to remain in a stationary position (e.g., sitting at a desk) for extended periods.
• Occasional movement around the office to attend meetings or collaborate with team members.
• Ability to operate a computer and other office equipment as needed. 
  
  

Employee Statement of Understanding

I have read and understand the job description for my position. I understand that my supervisor may assign additional projects and/or responsibilities not covered in the description.

I am able to perform all of the essential functions of this position.

I agree to comply with the corporate compliance policy and all laws, rules, regulations, and standards of conduct relating to my position. As an employee, I understand my duty to report any suspected violations of the law or the standards of conduct to my immediate supervisor.

As an employee, I will strive to uphold the mission and vision of the organization. All employees are required to adhere to the values in all their interactions with members and fellow employees.