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Overview
Responsibilities
Qualifications
Why Choose HVCU?
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
Grow With Us – Mortgage Processor Opportunity Available!
We are currently seeking an experienced Mortgage Processor to join our Mortgage team. Qualified candidates should have one to three years of recent related experience.
Essential Functions & Responsibilities:
- Input pertinent information from application into mortgage software (LOS and FNMA D/U) and upload member documents to Image Flow.
- Review and process all mortgage application information for completeness, as well as compliance to applicable program guidelines (FNMA, FHLMC, SONYMA, Construction, and other conduit loans). Evaluate D/U findings and all application information to assure the loans meet guidelines and have proper documentation for Underwriting.
- Interact with members, staff, vendors, attorneys and realtors to obtain the necessary information to properly process and submit applications to Underwriting for a decision, as well as to troubleshoot and discuss problems as they arise (ie: high ltv, etc.).
- Submit loans and update loans to Underwriting with accurate data.
- Assist other areas of the department as needed
Performance Measurements:
- Assures member service is top priority; treats members and other employees professionally with courtesy and respect; upholds MHV Service Standards.
- Develops and maintains a working knowledge of all types of mortgage products including secondary market guidelines and procedures.
- Submits loans for approval with a high data integrity (accuracy) within Mortgagebot and FNMA D/U systems.
- Troubleshoots problems and figures out solutions prior to submitting loans for approval/denial (contact with members, loan reps, other processors and/or underwriters may be necessary); this will require employee to be self-driven, self-motivated, and forward thinking.
- Makes valid suggestions regarding improvements to processes, forms, or functions in work area.
- Acts as a good team player; promotes a positive, productive and supportive work environment.
- Stays abreast of current trends affecting the financial services industry; has an overall knowledge of the credit union, its policies and procedures. Continually expands knowledge and develop skills.
Individual must have strong organizational skills, as well as excellent verbal and written communication skills. Time management and the ability to manage multiple workloads with successful results are also necessary.
Knowledge and Skills:
- One year to three years of similar or related experience
- (1) A two-year college degree, or (2) completion of a specialized certification or licensing, or (3) completion of specialized training courses conducted by vendors, or (4) job-specific skills acquired through an apprenticeship program.
- Work involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others is key at this level. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others.
- Strong time management; ability to manage multiple workloads with successful results; ability to work independently; organizational skills, excellent verbal and written communication skills, listening skills, problem analysis and problem resolution; above-average interpersonal skills; strong computer skills (i.e., Microsoft Office)
- Is able to bend, sit, and stand in order to perform primarily sedentary work with limited physical exertion and occasional lifting of up to 20 lbs. Must be capable of climbing / descending stairs in an emergency situation. Normal range of vision and hearing abilities required. Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance.
- Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.
- 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 quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.
- Work is generally performed within an office environment, primarily in a climate controlled environment with minimal safety/health hazard potential. Sedentary, sitting, standing, walking, occasional lifting (overhead, waist level) from floor, bending, frequent near vision use for reading and computer use; standard office equipment available.
Benefits include:
- Medical, Dental and Vision - with no waiting period for coverage!
- 401(k) with employer match and non-elective employer contribution
- Paid Vacation, Sick time and Holidays
- Life Insurance
- Short-Term and Long-Term Disability Insurance
- Employee Assistance Program
- Tuition Assistance Program
- Professional Development Programs
- Discounted Loan Rates and Fees
Equal Employment Opportunity Commitment
Mid-Hudson Valley Federal Credit Union (MHV) is an Equal Opportunity Employer. It is our policy to recruit and select applicants for employment without regard to age, sex, sexual orientation, religion, race, creed, color, national origin, military or veteran status, marital status, disability, genetic information, predisposition or carrier status, domestic violence victim status, or any other status protected by applicable law. Reasonable accommodation is provided in compliance with state and federal law. Please tell us if you require a reasonable accommodation to complete the screening and hiring process or if some sort of change or adjustment to the application/interviewing process is required.
- Full Time
- Immediately
- $24.27 - $36.41 Hour
- PO Box 1429, Kingston, NY 12402
- Today