Sr. Home Loan Processor

About Gesa Credit Union

At Gesa, we believe in the power of our people. Coming from all walks of life, our team members’ individual stories and unique experiences are our most valuable asset. It’s how we come together—igniting our collective compassion and commitment to empowering our communities—that drives our success. Here, you can join a team passionate about serving others, engage in meaningful work that impacts your community, challenge yourself, grow in your career, and rest assured that your wellbeing and prosperity are our priority.

About the Role

The Sr. Home Loan Processor is responsible for ordering, gathering, reviewing, and preparing required loan documents for all residential mortgage loans. This includes ensuring all loan conditions are fulfilled and the loan meets all credit union, regulatory, and secondary market guidelines. This position acts as a resource for other Loan Processors, answering questions, acting as a mentor, and conducting training.

Responsibilities

• Review loan applications for accuracy, compliance, and completeness to ensure loans are prepared and processed according to regulatory, lending, investor, and secondary market guidelines and policies.
• Order appraisals, title commitments, tax transcripts, income verifications, government case numbers, fraud, and compliance reports.
• Effectively communicate and collaborate with borrowers, loan officers, realtors, vendors, and Operations staff to provide status updates and outstanding items for organized, accurate, and timely closings.
• Review, collect, and fulfill underwriting conditions.
• Evaluate appraisals, title policies, credit reports, and income verifications.
• Examine supporting documentation and investigate inconsistencies to identify potential fraud or misrepresentation.
• Ensure re-disclosures are prepared and delivered to the member within regulatory guidelines based on identified changes in circumstance.
• Prepare and deliver documents accurately and timely, adhering to regulatory requirements.
• Coordinate loan closing, recording, and funding with escrow.
• Review signed closing documents for accuracy, proper execution, and completeness.
• Prepare and disburse loans.
• Perform post-closing responsibilities, including packaging and shipping investor loans.
• Prioritize and monitor daily workload to meet company timeline expectations and lock expirations.
• Meet minimum monthly goals established by management.
• Maintain a thorough working knowledge of all credit union mortgage products.
• Control risk and perform duties in a safe and sound manner, maintaining awareness of policies and regulations related to duties and responsibilities.
• Understand and perform Bank Secrecy Act (BSA) functions applicable to job responsibilities.
• Attend credit union training sessions, conferences, or seminars as approved by leadership.
• Maintain a dependable record of attendance and commitment.
• Maintain a professional, courteous, and friendly attitude, displaying mutual respect, trust, and dignity while acting in the best interest of the credit union.
• Lead by example, always displaying solid ethics and integrity.
• Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism.
• Willingly perform other job-related projects and duties as assigned, self-initiating assistance and requesting assistance from team members when appropriate.

Requirements

• High school diploma or equivalent completion of specialized course of study, training, and experience.
• Minimum of five (5) years of mortgage processing experience.
• Minimum three (3) years of experience processing Correspondent, FHA, and VA loans.
• Proficient in calculating income for all income types, including self-employment.
• Proven success maintaining monthly pipeline goals.
• Qualified in clearing final conditions on designated loans.
• Expert experience with AUS, loan origination software, and navigating vendor partner platforms.
• Proficient with standard Microsoft Office Suite.
• Some travel is required to achieve training and business objectives.

Qualifications

• Exhibited ability to perform with a high level of accuracy and attention to detail.
• Proven ability to effectively communicate ideas and information both orally and in writing.
• Demonstrated success in a deadline-driven environment, adapting to changes and prioritizing competing demands.
• Established in consistently contributing to positive morale of the team.
• Consistently displays interpersonal skills to relate effectively and professionally to peers and all levels of management.
• Proven ability to work collaboratively in a diverse work group as well as independently with minimal supervision.

Benefits

• Competitive pay
• Medical, dental, vision, and life insurance
• 20 days/year of paid time off, plus 10 paid holidays
• 401(k) match incentive program
• Tuition assistance and student loan repayment
• Commuter benefits
• Paid time off to volunteer in the community
• Product discounts
• Engaging work environment
• Rewards and recognition programs

Pay

Full salary range:

• Yakima, WA: $25.70–$42.83 per hour
• Spokane, WA: $25.70–$42.83 per hour
• Post Falls, ID: $25.70–$42.83 per hour

While our full pay range is listed, most new team members typically start between the minimum and midpoint based on their experience and qualifications.