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At Gesa, we believe in the power of our people. Coming from all walks of life, our team members’ individual stories and unique experiences are our most valuable asset. But it’s how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together.

Here you can join a team who is passionate about serving others, has a desire to do good, and shares a deep love of people. You can engage in meaningful work that impacts your community. You can challenge yourself and grow in your career. And, you can rest assured that your wellbeing and prosperity are our priority.

Get to know us:  About - Gesa Credit Union

*Currently we are seeking a Home Loan Process Specialist II for a temporarily remote position in the Twin Falls, ID area. Occasional travel to Gesa locations may be required to fulfill job requirements. *

Role Summary:

The Home Loan Process Specialist II is responsible for managing the closing and post-closing stages of residential mortgage loans. This role ensures all loan documents are accurate, compliant, and completed within regulatory timelines, coordinating with all stakeholders to facilitate smooth loan funding and delivery. The Home Loan Process Specialist II also handles post-closing activities, including loan package review, document submission, and investor compliance. This position has advanced, wide-ranging job knowledge and has demonstrated the ability to handle an increased workload and responsibilities in addition to the Home Loan Process Specialist I role.

What You Will Be Doing:

1. Demonstrate advanced knowledge in mortgage products, regulatory compliance, and investor guidelines, serving as a resource for peers and stakeholders
2. Independently prioritize and manage complex workflows to meet tight deadlines and avoid lock expiration risks, while proactively resolving scheduling conflicts
3. Lead initiatives to streamline operational processes, reduce inefficiencies, and implement best practices across the team
4. Coordinate and support internal audits and external regulatory reviews by ensuring thorough documentation and proactively identifying and addressing compliance gaps
5. Oversee the accuracy and completeness of loan records in the Loan Origination System (LOS), ensuring alignment with regulatory and investor standards
6. Contribute insights during training and team meetings, stay abreast of industry developments and mentoring junior team members
7. Review and finalize closing packages, ensuring the delivery of accurate and compliant documents to borrowers and escrow agents
8. Take ownership of the loan closing process by coordinating with escrow and internal stakeholders, ensuring all pre-closing conditions are fulfilled
9. Validate and authorize disbursements by conducting a thorough review of executed closing documents for compliance and completeness
10. Serve as a key liaison by proactively resolving issues with borrowers, escrow agents, and Loan Officers to ensure smooth and timely funding
11. Oversee the accurate and timely recording of loan documents with county agencies, addressing any delays or discrepancies
12. Conduct in-depth reviews of final loan packages, resolving any document deficiencies and ensuring readiness for investor delivery
13. Manage and monitor the timely and compliant submission of loan files to investors, collaborating with post-closing and shipping teams as needed
14. Track and ensure receipt of trailing documents, including recorded deeds and final title policies, while following up with vendors to resolve outstanding issues
15. Issue Post-Closing Compliance Documents (PCCDs) in accordance with regulatory timelines, identifying and mitigating risks of non-compliance
16. Independently investigate and resolve post-closing discrepancies, ensuring investor requirements are met and penalties are avoided

About You:

1. Exhibited ability to perform with a high level of accuracy and attention to detail
2. Proven ability to effectively communicate ideas and information both orally and in writing
3. Demonstrated success in a deadline driven environment: adapting to changes and prioritizing competing demands
4. Established consistently contributing to positive moral of the team
5. Consistently display interpersonal skills to relate effectively and professionally to peers and all levels of management
6. Proven ability to work collaboratively in a diverse work group as well as independently with minimal supervision
7. Recognized resource for peers; answering questions, acting as a mentor, and conducting training