Secondary Processing Specialist

At OnPath Credit Union, we share a passion for delivering exceptional service. Your primary role will involve building relationships with our members, offering personalized solutions and identifying opportunities to help them achieve financial success. If you thrive in an environment with team members who truly enjoy what they do and you are sales driven and motivated to succeed, then OnPath is the place for you!

About the role

As a dedicated member of the OnPath FCU team, this role performs a variety of tasks that, in partnership with surrounding departments, provides cost-effective financial services for the benefit of our members who are our primary focus. Our core values are what make us E.P.I.C.:

• Empathetic to the vast situations and needs of our members and each other.
• Passionate about the financial growth and success of our members.
• Innovative in our ideas and goals to remain at the top of our class in financial services.
• Integrity is not an option; we require honesty and strong moral principles.
• Committed to our promise to be the best financial advocates for our members and the communities we serve.

The Secondary Processing Specialist is responsible for working independently to process and document residential real estate loans to be sold into the secondary loan market and portfolio loans to investor guidelines and doc requirements. Conducts daily business interactions and maintains constant alignment with OnPath’s mission, culture, and core values. Initiative and judgment are required in the absence of specific direction from management.

Responsibilities

• Works independently to process and document residential real estate loans to be sold into the secondary loan market and portfolio loans to investor guidelines and doc requirements.
• Ensures all secondary market loans are complete and properly documented.
• Multi-tasks with processor functions for all home lending products in a fast-paced environment.
• Demonstrates proficiency with Desktop Underwriter and Loan Prospector AUS systems.
• Coordinates with underwriters and borrowers to quickly and effectively clear stipulations and exceptions.
• Prepares complete loan files for underwriting decisions.
• Processes and uploads completed loan packages to third-party lenders, investors, and servicers, when required.
• Assures that all customer files are complete and in compliance with all regulations and internal policies.
• Updates and documents the status of loans in the origination system.
• Assists Mortgage Loan Officers and Management as needed with communication to members, employees, and other third parties.
• Ensures member privacy, security of files, and appropriate staff access.

Requirements

• Minimum of 3–5 years of mortgage loan processing experience.
• Demonstrated ability to effectively manage an average pipeline of 25–35 active mortgage loans while maintaining accuracy, quality, compliance, and established service-level timelines.
• High school degree or equivalent.
• A significant level of trust, credibility, and diplomacy is required for in-depth dialogue and conversations of a sensitive and/or highly confidential nature.
• High level of interpersonal skills to communicate information, policies, procedures, and objectives effectively throughout the credit union to internal and external members.
• Accuracy in the recording of daily transactions.

Skills

• Proficiency with Desktop Underwriter and Loan Prospector AUS systems.
• Ability to perform job functions independently or with limited supervision and work effectively either on own or as part of a team.
• Ability to read and carry out various written instructions and follow oral instructions.
• Ability to complete basic mathematical calculations, spell accurately, and understand computer basics.
• Ability to speak clearly and deliver information in a logical and understandable sequence.
• Capability of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization.
• Ability to perform responsibilities with composure under the stress of deadlines, extreme accuracy, and fast pace.
• Capability of effectively handling multiple, simultaneous, and changing priorities.
• Capability of exercising the highest level of discretion on both internal and external confidential matters.

ADA Requirements

Physical Requirements

• Able to bend, sit, and stand to perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs.
• Capable of climbing/descending stairs in an emergency situation.
• Able to operate routine office equipment including computer terminals, keyboards, telephones, copiers, facsimiles, and calculators.
• Able to routinely perform work on a computer for an average of 6-8 hours per day, when necessary.
• Able to work extended hours or travel off-site whenever required or requested by management.
• Capable of regular, reliable, and timely attendance.

Working Conditions

• Able to routinely perform work indoors in a climate-controlled shared work area with minimal noise.

Mental and/or Emotional Requirements

• Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team.
• Must be able to read and carry out various written instructions and follow oral instructions.
• Must be able to complete basic mathematical calculations, spell accurately, and understand computer basics.
• Must be able to speak clearly and deliver information in a logical and understandable sequence.
• 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/or fast pace.
• Must be able to effectively handle multiple, simultaneous, and changing priorities.
• Must be capable of exercising the highest level of discretion on both internal and external confidential matters.

Pay

The salary range for this position is $22.80 to $28.50 per hour based on skills and experience.

Benefits

• Competitive compensation.
• Impressive benefits package including medical, dental, life insurance, and 401(K) plan.
• Paid vacation, wellness, sick time, and more.