Job Title: Mortgage Loan Processor

Location: Main Branch (3675 S 900 E, Millcreek, UT 84106)

Status: Full-Time (40-hours a week)

Reports to: Mortgage Operations Supervisor

Position Purpose

Responsible for assisting mortgage loan officers and originators with the processing of mortgage loans. Processing includes verifying, compiling and reviewing information to ensure that files meet established standards in a timely manner. These loans may be held in portfolio or sold on the secondary market. Assists mortgage members as necessary with duties as assigned.

Essential Duties, Skills & Abilities

• Exhibit outstanding member services skills by applying Granite Credit Union Service Standards and Core Values.

• Complete and review residential loan application files according to established guidelines, including type and amount of mortgage, borrower assets, liabilities, and length of employment.

• Collect information from third parties (VOE, VOM, VOR, VOD).
• Call specified companies to obtain property title abstract, and survey. Review title and survey for discrepancies.
• Submit mortgage loan application file for underwriting approval.
• Submit approved mortgage loan file to mortgage loan closer for settlement. Send denial letters to applicants if necessary.
• Effectively maintain a mortgage loan pipeline and meet turnaround requirements.
• Record data on status of loans, including number of new applications, and loans approved, cancelled, or denied.
• Demonstrates strong attention to detail to ensure high-quality work.
• Ensure that all information and transactions regarding credit union members are kept confidential. Maintain the security of the work area and keep it organized and neat in appearance.
• Maintain a professional and courteous attitude with all people, including fellow employees, members, management staff, board members, and outside vendors.
• Attend meetings as required.
• Other duties as assigned.
• Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

Required Knowledge and Experience

• 1-2 years of similar or related experience.
• Experience using a major Loan Origination System (LOS), specifically Encompass, for file management, disclosures, ordering third-party services, and closing.
• Understanding of the foundation of determining credit worthiness.
• Knowledge of Mortgage Investor selling guidelines and requirements.
• Knowledge of laws and regulations such as Bank Secrecy Act, US Patriot Act, Fair Lending Act, TRID, RESPA, TIL, HOEPA, HMDA, CIP, FACTA and others pertaining to the mortgage industry.
• Basic computer operating skills such as Microsoft Office, Microsoft Excel, etc.

Education

High School Diploma or GED equivalent.

Granite Federal Credit Union is an Affirmative Action/Equal Opportunity employer. Upon request, reasonable accommodations to the application and/or interview process will be provided to individuals with disabilities. Minorities and women are encouraged to apply.

December 5, 2025