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Real Estate Processor II#123225487

Hudson Valley Credit Union

Overview

Hudson Valley Credit Union is currently recruiting for the position of Real Estate Processor II. Primary Function: experienced processor with a strong analytical ability to assess conventional and government residential mortgage applications based on a thorough knowledge of real estate lending products, automated underwriting and secondary market investor guidelines. Responsible for adherence to real estate lending compliance guidelines. Adhere to Credit Union standards for member satisfaction, service, accuracy, quality, and supports HVCU Value Proposition and Core Values.

Responsibilities

Assist supervisor in new loan assignment, pipeline management and daily workflow prioritization.
Initiate introductory member contact for new applications assigned, communicating mortgage process overview and outstanding documentation. Remain a key point of contact for the member from application submission through closing.
Activates and initiates services for new residential mortgage loan applications. Performs follow-up on outstanding documents with members, appraisers, attorneys and other parties for existing residential mortgage loan applications in process.
Generate loan documents and prepares the mortgage file for underwriting.
Maintain enhanced knowledge of secondary market guidelines and state and federal compliance regulations.
Review all loan information, including, but not limited to credit reports, appraisal reports, contract of sale, income and asset documentation to confirm accuracy of information in the loan origination system. Validate the findings of automated underwriting systems pursuant to Credit Union and secondary market requirements.
Issue documents required by TRID, including re-disclosure for any change of circumstance that occurs within processing.
Interpret computer system in order to accurately respond to member inquiries regarding their existing and pending residential mortgage loan applications.
Responsible for reconciliation of departmental general ledger expense accounts used for mortgage closing costs and fees.
Responsible for training processing staff on new products and changes in procedures in addition to providing training to orientate new staff.
Monitor FHLB first time home buyer grant program process, act as liaison with Housing Counseling Agencies and FHLB. Train processing staff on FHLB first time home buyer grant program process and procedures.
Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.
Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.
Responsible for regular and predictable attendance including punctuality.

Qualifications

High School Diploma, General Education Development (GED) certificate, or state authorized high school equivalent certificate required
Registration with the National Mortgage Licensing System and Registry (NMLS) required after hired
Minimum 2 Years Secondary Market mortgage processing or underwriting experience required
Minimum 1 Year Customer service in a financial institution or retail environment experience required
Minimum 1 Year Automated mortgage processing system experience required
Minimum 1 Year telephone sales and service in a financial institution preferred

Click here to view full job description

Why Choose HVCU?

Join a team where your growth matters. At Hudson Valley Credit Union, we offer a supportive, community-focused culture, competitive benefits, and opportunities to grow your career while making a meaningful impact. Come be part of a Great Place to Work!

Employee Perks:

Base & Variable Pay Structures
Paid Personal, Holiday & Volunteer Time Off
Professional Development Training through HVCU University & Academy
Student Loan Repayment & Tuition Reimbursement Programs
Medical, Dental & Vision Coverage
401(k) With Employer Match & Non-Elective Employer Contribution
Life, Short-term & Long-term Disability Insurances
Discounted Loan Rates & Fees

Hudson Valley Credit Union is an AA/EEO employer committed to equal opportunity and employee diversity. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, national origin, disability, military or veteran status, genetic information, marital or familial status, domestic violence victim status, or any other characteristic protected by law.

High School Diploma, General Education Development (GED) certificate, or state authorized high school equivalent certificate required
Registration with the National Mortgage Licensing System and Registry (NMLS) required after hired
Minimum 2 Years Secondary Market mortgage processing or underwriting experience required
Minimum 1 Year Customer service in a financial institution or retail environment experience required
Minimum 1 Year Automated mortgage processing system experience required
Minimum 1 Year telephone sales and service in a financial institution preferred

Click here to view full job description

Assist supervisor in new loan assignment, pipeline management and daily workflow prioritization.
Initiate introductory member contact for new applications assigned, communicating mortgage process overview and outstanding documentation. Remain a key point of contact for the member from application submission through closing.
Activates and initiates services for new residential mortgage loan applications. Performs follow-up on outstanding documents with members, appraisers, attorneys and other parties for existing residential mortgage loan applications in process.
Generate loan documents and prepares the mortgage file for underwriting.
Maintain enhanced knowledge of secondary market guidelines and state and federal compliance regulations.
Review all loan information, including, but not limited to credit reports, appraisal reports, contract of sale, income and asset documentation to confirm accuracy of information in the loan origination system. Validate the findings of automated underwriting systems pursuant to Credit Union and secondary market requirements.
Issue documents required by TRID, including re-disclosure for any change of circumstance that occurs within processing.
Interpret computer system in order to accurately respond to member inquiries regarding their existing and pending residential mortgage loan applications.
Responsible for reconciliation of departmental general ledger expense accounts used for mortgage closing costs and fees.
Responsible for training processing staff on new products and changes in procedures in addition to providing training to orientate new staff.
Monitor FHLB first time home buyer grant program process, act as liaison with Housing Counseling Agencies and FHLB. Train processing staff on FHLB first time home buyer grant program process and procedures.
Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.
Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.
Responsible for regular and predictable attendance including punctuality.

Full Time
Immediately
Poughkeepsie, NY 12603
11/17/25

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