Working at Kirtland CU is more than a job-it's, a career, and one in the financial world! We pride ourselves on helping our employees learn, grow, and advance in any direction they choose. We offer a highly competitive salary, great benefits package and an energetic, vibrant work environment.
We are currently seeking a Mortgage Loan Processor to join Kirtland Credit Union! This position is full-time on-site at our Home Loan Center in Albuquerque, NM.
Join the rest of our teammates and become eligible for a generous benefits package that we offer:
• Medical, Dental and Vision Insurance
• 401(k) Retirement savings program that includes employer match.
• Paid time off with accrual starting from day one.
• 11 Paid Holidays through-out the year
• Tuition Reimbursement for College Degrees
• Employee Clothing Advance
• Fitness Reimbursement Program
• Employee Assistance Program
• Short- and Long-Term Disability
• Travel Assistance
This is what we would like you to do:

• Acts as a liaison between the Mortgage Loan Officers, Member Experience Specialists (MXSs) Underwriters, Members, Title Companies, Realtors, Builders, and Appraisers. Responsible for reviewing mortgage loan files and requesting required information from the members.
• Responsible for ordering out, preparing file for final underwriting, closing, and funding the loan. Processes and funds home equity loans and lines of credit.
• Works effectively with Member Experience Specialists to coordinate the finalization of loan details and calculate closing figures in preparation for closing and funding.

Primary Job Duties:
• Assumes responsibility for providing effective mortgage loan processing activities.
• Provide exceptional member service and experiences to internal and external members, employees, and third-party providers.
• Reviews new loan applications and initial disclosures for completion and works with MLO to clarify missing or questionable information.
• Act as member's main point of contact throughout the process, ensuring excellent levels of member service by providing guidance and advice on the mortgage process, in a detailed and comprehensive manner.
• Ensures interest rates are correct, locked, and proper documentation exists.
• Collects and analyzes third party documentation as necessary for all applications, including but not limited to title work, income verification, flood determination, insurance, and appraisal. Responsible for reviewing and addressing items involving credit, occupancy, title issues, and employment verifications.
• Assemble and submit completed file to underwriting; clear manual conditions, cure title issues, and resolve appraisal discrepancies as needed.
• Responsible to clear any prior-to-fund conditions that arise after final underwriting.
• Perform the role of liaison between KCU and all parties involved in the mortgage transaction, including realtors, appraisers, title Companies, etc. and effectively communicate to provide exceptional experiences.
• Review all application documentation to ensure compliance with regulatory requirements Fannie Mae Desktop Underwriting, FHA, VA, FNMA, and KCU lending policy and procedures.
• Assure Home Mortgage Disclosure Act (HMDA) information is accurate and complete according to the regulatory requirements.
Education/Certification:
Associate's degree in business or related field preferred.
Experience Required:
• Three years of Mortgage Lending or real estate loan processing experience preferred.
• Two years of Financial Institution experience helpful, but not required.
• Experience with calculating loan to value and debt to income.
Required knowledge, skills and abilities:
• Understanding of mortgage loan processing functions, including FHA/VA and conventional lending.
• Knowledge of mortgage related requirements, procedures, and underwriting criteria.
• Knowledge of applicable regulations.
• Knowledge of real estate closing documents, loan products, and lending compliance and Regulations.
To apply for this exciting opportunity, visit our careers page at
Kirtland Credit Union is an equal opportunity employer. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law.