If you combine significant loan processing and/or underwriting experience with broad knowledge of lending regulations and a background in real estate loans, the role of Senior Real Estate Processor with UNIFY Financial Credit Union offers you a number of compelling opportunities. You will:

• Spotlight your talent and runway as you serve as a senior-level expert, add to your experience, and demonstrate your potential to take on additional responsibilities and/or advance your career. There are a variety of career paths you could follow once you prove yourself in this role from supervisor to underwriting and more.
• Support real estate financing, an area of focus and high growth for the credit union. While you'll work on conventional loans initially, we could be adding FHA loans in the future.
• Join a tight-knit, upbeat team with a great sense of comradery, even though we work remotely. People enjoy working here, as indicated by our high number of long-tenured employees.
• Enjoy the autonomy to own your role along with excellent training and support from an engaged and experienced supervisor. 
• Enjoy a unique, positive culture. As a credit union, we answer to members rather than shareholders, which means we take the time necessary to provide exceptional service. That commitment to service is prevalent throughout the credit union.
• Earn competitive compensation, including incentives, and benefits along with some schedule flexibility and work/life balance (you won't work weekends).

UNIFY Financial Credit Union is one of the LARGEST 100 credit unions in the U.S. With $3.3 billion in assets, branches nationwide coast-to-coast, and close to 250,000 account holders, we've earned a reputation for being financially sound and growth-oriented. We're continuing to rapidly expand to meet the needs of a growing member base.

To meet the basic qualification for this role, you will have legal authorization to work permanently in the United States for any employer without requiring a visa transfer or visa sponsorship. In addition, to be a good fit for the Senior Real Estate Processor opportunity, you will have:

• 5-7 years of loan processing and/or underwriting experience required, preferably in a financial institution  
• Experience processing real estate loans; residential loan experience highly preferred  
• Broad knowledge of credit fundamentals and lending regulations
• Knowledge of secondary market underwriting requirements
• Strong analytical reasoning skills; ability to conduct analyses of applicants’ credit status and recommend alternatives where the analyses reveal an insufficient financial position
• Working knowledge of all major investors and their guidelines. 
• Solid computer skills including experience with Microsoft Office Suite programs (Word, Excel) or other spreadsheet and word processing applications; experience with loan origination software, Mortage Candence preferred
• Thorough and well-organized approach; exceptional time management and multi-tasking skills with a strong eye for detail
• Effective written and verbal communication skills; ability to mentor and train new processors as needed
• High school diploma or GED equivalent required; college coursework or a degree is a plus
• Understanding of credit union culture and member-centric approach is an advantage

You will work remotely from your home office within commuting distance of either our Las Vegas, NV, Allen, TX, or Mesa, AZ locations. You will go into the office as required for meetings or training, though office work is currently suspended. When it's safe to do so, we anticipate you'll go into the office several times each month.  

Reporting to the Real Estate Process Supervisor, as Senior Real Estate Processor, you will be responsible for effectively and efficiently promoting and processing Unify Financial Credit Union's real estate loan products, services and programs. You will process residential real estate loans of varying complexity up to $2.5 million, primarily handling purchases, but also processing refinance and home equity transactions when there is overflow from Real Estate Processor I and IIs. 

Working to meet established KPIs, including a monthly quota, you will take real estate loan applications from submission through closing, including analyzing and verifying credit, income, asset, appraisal, escrow and title documentation to confirm that the loan meets investor guidelines, the Credit Union’s overlays, and is in compliance with federal and state regulatory requirements. Specifically, you will:

• Gain a full and complete working knowledge of all Credit Union Real Estate loan products, programs, policies, procedures, and all governing regulatory laws and guidelines.
• Prioritize and monitor daily workflow in order to ensure all loans meet contractual contingency and closing deadlines.
• Assume responsibility and ownership of the loans in your personal pipeline.
• Review income, credit, assets, and property information against investor guidelines to ensure eligibility for the desired loan program.
• Analyze employment profile, credit strength, property characteristics, and all other information pertinent to the credit decision process.
• Support the Processing team on thorough second-level analyses of Members’ income and expense data, self-employment documentation, credit reports, and property valuations in order to affirm loan approval criteria.
• Verify and analyze all necessary financial information and documentation; ensures that loan files contain all required credit and legal documents to satisfy underwriting conditions.
• Respond to member and staff inquiries in a timely manner and within established SSLA’s (Superior Service Level Agreements).
• Support the training of new real estate loan processors within our member-centric relationship culture through member contact, quality member service and superior real estate loan knowledge.
• Provide a back-stop for Real Estate Processors I and II by providing a thorough review and analysis of anomalies within the loan processing cycle.
• Lead processing team objectives and KPI’s throughout the production cycle.
• Serve as the first line of defense to diffuse member escalations to Real Estate management.
• Perform research, follow-up on escalations, and complete special projects assigned by management.
• Perform other duties as assigned.

Note: This description is intended to give you a general overview of the position and is not an exhaustive listing of duties and responsibilities.

Collaborative, Values-Based Culture
At UNIFY, we believe that each team member is a valued contributor. Through a teamwork approach, we strive to provide a positive and rewarding workplace that helps our team succeed. UNIFY provides a work environment that promotes learning, growth, and the opportunity for team members to challenge themselves.

Growth and Stability
While most credit unions operate in just one state, UNIFY has branches in 18 states, and we continue to open new ones. Our success is based in part on a diversified model; for example, in addition to operating stand-alone branches, we also operate branches in partnership with big-name companies like Toyota and Northrup Grumman.

Fun and Caring Group
Our service-based, values-driven culture attracts those who enjoy helping and connecting with others. That carries over in everything we do, from providing outstanding service to truly listening to our members and suggesting the products that best fit their unique situations to interacting effectively with one another. It's not unusual for team members to form friendships and engage in interesting activities inside and outside of work.

Commitment to Community
Giving back to the community isn't just something we say, it's something we do. Our programs support both educational and charitable activities. We care about making our communities and members stronger while providing our UNIFY team members opportunities to give back. An example is our participation with the Patricia R. Dempster Scholarship Fund which provides scholarship awards to worthy, college-bound high school seniors

Excellent Compensation
We take care of our team. In addition to offering competitive compensation, we provide a generous and rewarding benefits package. We want to make sure UNIFY team members feel how much we value them. Benefits include:

• Medical (HMO & PPO), dental (DMO & DPO) and vision insurance
• Short- and long-term disability insurance
• Dependent and medical care - flexible spending accounts
• Paid Time Off (PTO) including vacation, sick, personal and holidays
• A 401(k) plan with employer match 
• Education reimbursement for approved programs
• UNIFY banking privileges for you and your family
• And much more

Pictured throughout: A sampling of the UNIFY products and services Unify offers to members.

Naturally, your technical skills will be essential in this role, but you'll also need excellent communication skills to provide exceptional customer service to all parties involved in the transaction and to drive the process toward and meet contingency and closing deadlines. In addition, in order to be an outstanding Senior Real Estate Processor, you will:

• Display and maintain composure within a fast-paced lending environment while providing the highest level of member satisfaction and experience
• Balance a busy workload with multiple priorities
• Communicate frequently with Real Estate management including topics of communication, team performance and morale, pipeline status and turntimes, opportunities for improvement, and future initiatives.
• Drive innovation and troubleshoot to solve problems within the processing unit
• Work independently while also serving as a strong team member and mentor who will help out where needed
• Alert management to issues and potential issues
• Closely guard confidential matters and private information
• Meet and exceed deadlines and quotas while delivering quality work
• Bring a strong work ethic and professionalism
• Consistently maintain a positive, upbeat attitude