Job Title: Loan Setup Coordinator Department: Mortgage Lending Department Location: Littleton, MA Reports to: Mortgage Production Manager Career Stream: Individual Contributor Classification: Hybrid Exemption: Non-Exempt Pay Grade: 8 Pay Grade Range: $21.45 - $26.81 Actual compensation offered may vary from the posted pay grade range based on factors such as relevant experience, time in role, base salary of internal peers, prior performance, business sector, licensure requirements and/or skill level, and will be finalized at the time of offer. FUNCTION: Responsible for issuing disclosures in compliance with regulations and orders all services needed for the file. Performs additional redisclosure requests through the active application to ensure strict compliance on all loans. Ensures all files are complete and compliant with Workers Credit Union policies, investor requirements, mortgage insurance standards, and applicable government loan regulations. Essential Job Duties And Responsibilities Review disclosure related data entered into the Loan Origination System (“LOS”) for accuracy. Ensure proper loan set-up within the LOS and loan structure is accurate according to loan program and type. Inputs good faith fee data, prepares impounds and prepaid taxes/insurance to ensure correct figures are disclosed. Prepare and review initial disclosure packages including the Loan Estimate. Ensures proper delivery of the disclosure package to members through eSign or mail, depending on member response to electronic delivery Monitors and provide revised Loan Estimates within three days of a changed circumstance. Update the LOS to document the changed circumstance and Loan Estimate delivery timing. Reviews daily reports to ensure loans are disclosed according to regulation. Order and track required third-party reports such as appraisals, title, flood certifications, tax transcripts, and employment verifications. Provide exceptional customer service by promptly addressing member inquiries and concerns related to loan disclosures and setup. Support the origination and production process and ensure confidentiality of all borrowers and loan information. Uphold the Workers Credit Union “Workers Way” culture through daily interactions and behaviors. Perform other duties as assigned to support departmental and organizational goals. Other Duties May be asked to provide coverage in other WCU branches or departments. Adhere to all WCU policies and procedures which include security compliance and following guidelines intended to limit risk exposure to fraud and losses. Participates in department and/or organizational projects as directed. Performs other tasks or functions as required, requested, necessary or prudent. Maintains confidentiality of all member and credit union information and data. Regularly demonstrates behaviors as defined by the credit union’s Fundamentals, which are part of the Workers Way culture program. Education High School Diploma or Equivalent Required. Experience 1 year of banking experience. Skilled in reviewing and validating application fees, ordering third-party reports and ensuring compliance with TRID and investor guidelines. Proficient in coordinating with internal teams and external partners, and maintaining clear communication with originators and processors to ensure timely and accurate closings. Known for attention to detail, efficiency in pipeline management, and delivering exceptional service while upholding confidentiality and organizational values. Knowledge/Skills/Abilities/Competencies A successful Loan Setup Coordinator possesses stong knowledge of mortgage products and regulatory guidelines (including TRID, RESPA, and HMDA). Familiarity of loan origination systems, AUS platforms, and document management tools. Key skills include attention to detail, strong organization, effective communication, strong ability to manage multiple files and deadlines simultaneously and flexibility to adapt to changing regulations and internal processes. The role requires a customer-focused approach, confidentiality, adaptability, and collaboration with internal teams and external partners to ensure efficient, compliant and exceptional member service. Work Environment Hybrid Work Environment: This position offers a hybrid work environment, combining remote work with regular on-site days at the Littleton Headquarters. This work environment is subject to change based on business needs. Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. This is a largely sedentary role. While performing the duties of this job, the employee is regularly required to stand, talk, hear, and use hands and fingers to handle, feel or operate objects, tools, or controls and to reach with hands and arms. This role routinely uses standard office equipment such as computers, phones, photocopier/scanner, filing cabinets, and fax machines. NOTE: Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice. AMERICANS WITH DISABILITIES ACT: Workers Credit Union complies with all aspects of the Americans with Disabilities Act (ADA) and state disability laws. This means we will not discriminate against qualified individuals with a disability in any phase of the employment relationship including application for employment, hiring, promotions and/or advancement opportunities, termination, compensation, training and any other conditions or privileges of employment. About Workers Credit Union : Since 1914, Workers Credit Union has existed to Improve the Daily Lives of our Members . We deliver on our core purpose by partnering with our members to help them make their best financial choices and improve their financial wellness. We call this The Workers Way and this is at the center of everything we do. Through our specialized financial counseling, we are pioneering a new member experience through high-touch service and convenient technology. We have grown to over 2.6 Billion in assets and serve over 120,000 members. We are one of the top performing credit unions in Massachusetts with big plans for the future! Benefits Comprehensive medical, dental and vision plans Basic life and AD&D insurance, short-term disability and long-term disability 15+ days of paid time off (PTO) per year Up to 16 hours of volunteer time off (VTO) per year 11+ paid holidays 401(k) that includes a Safe Harbor Match of up to 4%. Tuition Reimbursement Program Mental health resources including an Employee Assistance Program (EAP) Individualized learning and development programs EEO Statement: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status. without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.
Job Title: Mortgage Processor Department: Mortgage Lending Department Location: Littleton, MA Reports to: Senior Director, Mortgage Productions Career Stream: Individual Contributor Classification: Hybrid Exemption: Non-Exempt Pay Grade: 8 Pay Grade Range: $23.84-$29.80 Actual compensation offered may vary from the posted pay grade range based on factors such as relevant experience, time in role, base salary of internal peers, prior performance, business sector, licensure requirements and/or skill level, and will be finalized at the time of offer. FUNCTION: Responsible for performing a variety of tasks to ensure that mortgage and home equity loan applications are processed accurately and efficiently. Ensures all files are complete and compliant with Workers Credit Union policies, investor requirements, mortgage insurance standards, and applicable government loan regulations. Essential Job Duties And Responsibilities For Both Mortgage Processor and Senior Mortgage Processor: Prepare and review initial disclosure packages, including Loan Estimates, ensuring accurate loan setup and compliance with loan program guidelines. Deliver disclosure packages to members via eSign or mail, based on their communication preferences. Order and track required third-party reports such as appraisals, title, flood certifications, tax transcripts, and employment verifications. Review borrower documentation for completeness and alignment with AUS findings; request and collect any outstanding items. Process home equity applications from approval to closing, including communication with members, delivering required documents, and clearing pre-closing conditions. Monitor and review title and property condition reports, escalating any issues to underwriting as needed. Ensure timely submission of loan files to underwriting; update the LOS with verified information and clear conditions as received. Manage government loan files, including coordination with lenders, tracking conditions, and providing updates to borrowers, MLOs, and agents. Track key milestones such as underwriting timelines, financing contingencies, closing dates, and rate lock expirations; communicate proactively with MLOs. Prepare and issue revised Loan Estimates in compliance with TRID for any changes in circumstance. Communicate approvals to all relevant parties and conduct pre-funding audits, including verbal employment verifications. Support the closing process and ensure confidentiality of all borrowers and loan information. Uphold the Workers Credit Union “Workers Way” culture through daily interactions and behaviors. Perform other duties as assigned to support departmental and organizational goals. Additional Responsibilities for Senior Mortgage Processor: Serve as a subject matter expert and resource for junior processors, providing guidance on complex loan scenarios, regulatory compliance, and internal procedures. Support the training and onboarding of new team members and temporary staff in collaboration with processing leadership. Take ownership of high-volume or high-complexity pipelines, including jumbo loans, construction loans, and government-backed programs. Lead or participate in departmental initiatives aimed at improving processing efficiency, compliance, and member experience. Support the implementation of policy updates, system enhancements, and procedural changes in coordination with mortgage processing leadership Other Duties May be asked to provide coverage in other WCU branches or departments. Adhere to all WCU policies and procedures which include security compliance and following guidelines intended to limit risk exposure to fraud and losses. Participates in department and/or organizational projects as directed. Performs other tasks or functions as required, requested, necessary or prudent. Maintains confidentiality of all member and credit union information and data. Regularly demonstrates behaviors as defined by the credit union’s Fundamentals, which are part of the Workers Way culture program. Education High School Diploma or Equivalent Required. Experience 2-4 years of experience managing both first mortgage and home equity loan files from initial disclosure through closing. Skilled in reviewing and validating borrower documentation, ordering third-party reports, reviewing underwriting conditions, and ensuring compliance with TRID and investor guidelines. Proficient in using loan origination systems (LOS), coordinating with internal teams and external partners, and maintaining clear communication with borrowers to ensure timely and accurate closings. Known for attention to detail, efficiency in pipeline management, and delivering exceptional service while upholding confidentiality and organizational values. Additional Qualifications for Senior Mortgage Processor: 4-7 years of experience. Demonstrated ability to handle complex loan scenarios, including jumbo, construction, and government-backed loans. Experienced in mentoring junior processors, resolving escalated issues, and serving as a subject matter expert within the team. Proven track record of leading process improvements, maintaining high pipeline efficiency, and delivering exceptional service. Recognized for attention to detail, leadership, and commitment to confidentiality and organizational values. Knowledge/Skills/Abilities/Competencies A successful Processor possesses strong knowledge of mortgage products, regulatory guidelines (including TRID, RESPA, and HMDA), and loan processing procedures. Proficiency with loan origination systems, AUS platforms, and document management tools is essential. Key skills include attention to detail, strong organization, effective communication, and the ability to manage multiple files and deadlines simultaneously. The role requires a customer-focused approach, confidentiality, adaptability, and collaboration with internal teams and external partners to ensure efficient, compliant loan processing and exceptional member service. Work Environment Hybrid Work Environment: This position offers a hybrid work environment, combining remote work with regular on-site days at the Littleton Headquarters. This work environment is subject to change based on business needs. Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. This is a largely sedentary role. While performing the duties of this job, the employee is regularly required to stand, talk, hear, and use hands and fingers to handle, feel or operate objects, tools, or controls and to reach with hands and arms. This role routinely uses standard office equipment such as computers, phones, photocopier/scanner, filing cabinets, and fax machines. About Workers Credit Union : Since 1914, Workers Credit Union has existed to Improve the Daily Lives of our Members . We deliver on our core purpose by partnering with our members to help them make their best financial choices and improve their financial wellness. We call this The Workers Way and this is at the center of everything we do. Through our specialized financial counseling, we are pioneering a new member experience through high-touch service and convenient technology. We have grown to over 2.6 Billion in assets and serve over 120,000 members. We are one of the top performing credit unions in Massachusetts with big plans for the future! Benefits Comprehensive medical, dental and vision plans Basic life and AD&D insurance, short-term disability and long-term disability 15+ days of paid time off (PTO) per year Up to 16 hours of volunteer time off (VTO) per year 11+ paid holidays 401(k) that includes a Safe Harbor Match of up to 4%. Tuition Reimbursement Program Mental health resources including an Employee Assistance Program (EAP) Individualized learning and development programs EEO Statement: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.
Job Title: Senior Mortgage Processor Department: Mortgage Lending Department Location: Littleton, MA Reports to: Senior Director, Mortgage Productions Career Stream: Individual Contributor Classification: Hybrid Exemption: Non-Exempt Pay Grade: 9 Pay Grade Range: $26.98 - 33.72 Actual compensation offered may vary from the posted pay grade range based on factors such as relevant experience, time in role, base salary of internal peers, prior performance, business sector, licensure requirements and/or skill level, and will be finalized at the time of offer. FUNCTION: Responsible for performing a variety of tasks to ensure that mortgage and home equity loan applications are processed accurately and efficiently. Ensures all files are complete and compliant with Workers Credit Union policies, investor requirements, mortgage insurance standards, and applicable government loan regulations. Essential Job Duties And Responsibilities For Both Mortgage Processor and Senior Mortgage Processor: Prepare and review initial disclosure packages, including Loan Estimates, ensuring accurate loan setup and compliance with loan program guidelines. Deliver disclosure packages to members via eSign or mail, based on their communication preferences. Order and track required third-party reports such as appraisals, title, flood certifications, tax transcripts, and employment verifications. Review borrower documentation for completeness and alignment with AUS findings; request and collect any outstanding items. Process home equity applications from approval to closing, including communication with members, delivering required documents, and clearing pre-closing conditions. Monitor and review title and property condition reports, escalating any issues to underwriting as needed. Ensure timely submission of loan files to underwriting; update the LOS with verified information and clear conditions as received. Manage government loan files, including coordination with lenders, tracking conditions, and providing updates to borrowers, MLOs, and agents. Track key milestones such as underwriting timelines, financing contingencies, closing dates, and rate lock expirations; communicate proactively with MLOs. Prepare and issue revised Loan Estimates in compliance with TRID for any changes in circumstance. Communicate approvals to all relevant parties and conduct pre-funding audits, including verbal employment verifications. Support the closing process and ensure confidentiality of all borrowers and loan information. Uphold the Workers Credit Union “Workers Way” culture through daily interactions and behaviors. Perform other duties as assigned to support departmental and organizational goals. Additional Responsibilities for Senior Mortgage Processor: Serve as a subject matter expert and resource for junior processors, providing guidance on complex loan scenarios, regulatory compliance, and internal procedures. Support the training and onboarding of new team members and temporary staff in collaboration with processing leadership. Take ownership of high-volume or high-complexity pipelines, including jumbo loans, construction loans, and government-backed programs. Lead or participate in departmental initiatives aimed at improving processing efficiency, compliance, and member experience. Support the implementation of policy updates, system enhancements, and procedural changes in coordination with mortgage processing leadership Other Duties May be asked to provide coverage in other WCU branches or departments. Adhere to all WCU policies and procedures which include security compliance and following guidelines intended to limit risk exposure to fraud and losses. Participates in department and/or organizational projects as directed. Performs other tasks or functions as required, requested, necessary or prudent. Maintains confidentiality of all member and credit union information and data. Regularly demonstrates behaviors as defined by the credit union’s Fundamentals, which are part of the Workers Way culture program Education High School Diploma or Equivalent Required. Experience 2-4 years of experience managing both first mortgage and home equity loan files from initial disclosure through closing. Skilled in reviewing and validating borrower documentation, ordering third-party reports, reviewing underwriting conditions, and ensuring compliance with TRID and investor guidelines. Proficient in using loan origination systems (LOS), coordinating with internal teams and external partners, and maintaining clear communication with borrowers to ensure timely and accurate closings. Known for attention to detail, efficiency in pipeline management, and delivering exceptional service while upholding confidentiality and organizational values. Additional Qualifications for Senior Mortgage Processor: 4-7 years of experience. Demonstrated ability to handle complex loan scenarios, including jumbo, construction, and government-backed loans. Experienced in mentoring junior processors, resolving escalated issues, and serving as a subject matter expert within the team. Proven track record of leading process improvements, maintaining high pipeline efficiency, and delivering exceptional service. Recognized for attention to detail, leadership, and commitment to confidentiality and organizational values. Knowledge/Skills/Abilities/Competencies A successful Processor possesses strong knowledge of mortgage products, regulatory guidelines (including TRID, RESPA, and HMDA), and loan processing procedures. Proficiency with loan origination systems, AUS platforms, and document management tools is essential. Key skills include attention to detail, strong organization, effective communication, and the ability to manage multiple files and deadlines simultaneously. The role requires a customer-focused approach, confidentiality, adaptability, and collaboration with internal teams and external partners to ensure efficient, compliant loan processing and exceptional member service. Work Environment Hybrid Work Environment: This position offers a hybrid work environment, combining remote work with regular on-site days at the Littleton Headquarters. This work environment is subject to change based on business needs. Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. This is a largely sedentary role. While performing the duties of this job, the employee is regularly required to stand, talk, hear, and use hands and fingers to handle, feel or operate objects, tools, or controls and to reach with hands and arms. This role routinely uses standard office equipment such as computers, phones, photocopier/scanner, filing cabinets, and fax machines. About Workers Credit Union : Since 1914, Workers Credit Union has existed to Improve the Daily Lives of our Members . We deliver on our core purpose by partnering with our members to help them make their best financial choices and improve their financial wellness. We call this The Workers Way and this is at the center of everything we do. Through our specialized financial counseling, we are pioneering a new member experience through high-touch service and convenient technology. We have grown to over 2.6 Billion in assets and serve over 120,000 members. We are one of the top performing credit unions in Massachusetts with big plans for the future! Benefits Comprehensive medical, dental and vision plans Basic life and AD&D insurance, short-term disability and long-term disability 15+ days of paid time off (PTO) per year Up to 16 hours of volunteer time off (VTO) per year 11+ paid holidays 401(k) that includes a Safe Harbor Match of up to 4%. Tuition Reimbursement Program Mental health resources including an Employee Assistance Program (EAP) Individualized learning and development programs EEO Statement: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.
Job Title: Mortgage Underwriter Department: Mortgage Lending Department Location: Littleton, MA Reports to: Mortgage Underwriting Manager Career Stream: Individual Contributor Classification: Hybrid Onsite Frequency: On-site at HQ more than 10 days per month with assigned workspace Pay Grade: 11 FLSA Status: Exempt Pay Grade Range: ($72,072.62 - $90,090.83 - $108,109.04) Actual compensation offered may vary from the posted pay grade range based on factors such as relevant experience, time in role, base salary of internal peers, prior performance, business sector, licensure requirements and/or skill level, and will be finalized at the time of offer. FUNCTION: Responsible for underwriting first mortgages and home equity loan applications. Ensures all files are complete and compliant with Workers Credit Union policies, investor requirements, mortgage insurance standards, and applicable government loan regulations. Essential Job Duties And Responsibilities Underwrites first mortgage loans in compliance with all secondary market requirements, private mortgage insurance requirements, regulatory requirements and Workers Credit Union policies. Underwrites home equity loans in accordance with private mortgage insurance requirements, regulatory requirements and Workers Credit Union policies. Evaluates borrower creditworthiness and collateral to determine loan eligibility and assess overall risk to the credit union. Exercises sound judgment in approving, suspending, or denying loan applications based on a comprehensive risk analysis. Uses analytic tools (i.e. Collateral Underwriter, fraud prevention, etc.) in the risk assessment of the loan to determine requirements to meet legal and investor requirements. Ensures underwriting decisions align with the credit union’s risk appetite, lending policies, and regulatory requirements. Remains current on investor and mortgage insurance guidelines. Prepares commitment letter for home equity and first mortgage loans. Clears loans for closing by ensuring pre-closing conditions have been satisfied. Reviews and decisions subordination requests according to loan policy. Provides the origination staff with support for the review of preapprovals. Uses knowledge of investor and mortgage insurance guidelines along with loan policy to not only approve loans as submitted but to restructure loans as required to obtain an approval. Tracks key milestones such as contingencies, closing dates, and rate lock expirations; communicate proactively with all applicable teams. Collaborates with internal stakeholders to resolve complex loan issues and ensure timely decision-making. Prepares and issue revised Loan Estimates in compliance with TRID for any changes in circumstance. Maintains confidentiality of all data. Upholds the Workers Credit Union “Workers Way” culture through daily interactions and behaviors. Performs other duties as assigned to support departmental and organizational goals. Other Duties May be asked to provide coverage in other WCU branches or departments. Adhere to all WCU policies and procedures which include security compliance and following guidelines intended to limit risk exposure to fraud and losses. Participates in department and/or organizational projects as directed. Performs other tasks or functions as required, requested, necessary or prudent. Maintains confidentiality of all member and credit union information and data. Regularly demonstrates behaviors as defined by the credit union’s Fundamentals, which are part of the Workers Way culture program. Education High School Diploma or Equivalent Required. Experience 2-5 years of experience in secondary mortgage underwriting. Knowledgeable in real estate lending guidelines and regulations including secondary market. Skilled in evaluating borrower credit, collateral, and capacity in accordance with investor and regulatory guidelines. Proficient in using loan origination systems (LOS) and automated underwriting systems (AUS). Known for sound judgment, attention to detail, efficiency in pipeline management, and effective communication with Originators, Processors, and Closers to ensure timely and accurate closings. Additional Qualifications for Senior Mortgage Processor: 5-8 years of experience in secondary mortgage underwriting, including complex loan types such as jumbo, construction, non-conforming and portfolio products. Demonstrated ability to assess risk, make high-level credit decisions, and mentor junior underwriters. Experienced in leading underwriting process improvements and maintaining high-quality standards in a fast-paced environment. Recognized for attention to detail, leadership, and commitment to confidentiality and organizational values. Knowledge/Skills/Abilities/Competencies A successful Underwriter demonstrates deep knowledge of mortgage products, investor guidelines, and regulatory requirements (including TRID, RESPA, and HMDA). Proficient in loan origination systems (LOS), AUS platforms, and document management tools. Strong analytical and decision-making skills are essential for assessing credit risk and ensuring sound underwriting decisions. Must be detail-oriented, organized, and capable of managing multiple priorities. The role requires confidentiality, adaptability, and collaboration with internal teams to ensure efficient, compliant, and risk-aligned loan underwriting. Work Environment Hybrid Work Environment: This position offers a hybrid work environment, combining remote work with regular on-site days at the Littleton Headquarters. This work environment is subject to change based on business needs. Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. This is a largely sedentary role. While performing the duties of this job, the employee is regularly required to stand, talk, hear, and use hands and fingers to handle, feel or operate objects, tools, or controls and to reach with hands and arms. This role routinely uses standard office equipment such as computers, phones, photocopier/scanner, filing cabinets, and fax machines. About Workers Credit Union : Since 1914, Workers Credit Union has existed to Improve the Daily Lives of our Members . We deliver on our core purpose by partnering with our members to help them make their best financial choices and improve their financial wellness. We call this The Workers Way and this is at the center of everything we do. Through our specialized financial counseling, we are pioneering a new member experience through high-touch service and convenient technology. We have grown to over 2.6 Billion in assets and serve over 120,000 members. We are one of the top performing credit unions in Massachusetts with big plans for the future! Benefits Comprehensive medical, dental and vision plans Basic life and AD&D insurance, short-term disability and long-term disability 15+ days of paid time off (PTO) per year Up to 16 hours of volunteer time off (VTO) per year 11+ paid holidays 401(k) that includes a Safe Harbor Match of up to 4%. Tuition Reimbursement Program Mental health resources including an Employee Assistance Program (EAP) Individualized learning and development programs EEO Statement: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.
Job Title: Mortgage Closer Department: Mortgage Lending Department Location: Littleton, MA Reports to: Senior Director, Mortgage Production Career Stream: Individual Contributor Classification: Hybrid Onsite Frequency: On-site at HQ more than 10 days per month with assigned workspace Pay Grade: 8 FLSA Status: Non-Exempt Pay Grade Range: ($23.84 - $29.80 - $35.76) Actual compensation offered may vary from the posted pay grade range based on factors such as relevant experience, time in role, base salary of internal peers, prior performance, business sector, licensure requirements and/or skill level, and will be finalized at the time of offer. FUNCTION: Ensures a seamless and compliant closing process by performing thorough pre-funding audits and preparing all required closing documents with precision. This role collaborates closely with cross-functional teams to swiftly resolve any issues that could impact the closing timeline, thereby ensuring timely and efficient fundings. Additionally, the Closer maintains detailed records to meet audit standards and drive continuous process improvements. Essential Job Duties And Responsibilities Conduct a comprehensive pre-funding audit of mortgage and home equity files to ensure data accuracy, complete documentation, and compliance with investor, regulatory, and credit union policies. Collaborate with the Closing Agent, Attorney, or branch to schedule closings, confirming that all necessary pre-closing documents (e.g., insurance binder, title commitment, funds-to-close) are in place, and update the loan software and posting journal with the closing date. Generate the pre-Closing Disclosure and ensure it is delivered to the member via mail or electronically to meet regulatory requirements in order to close timely. Inform the closing attorney that the first mortgage is cleared to close and request essential documents, including the closing date, title report, payoff, and tax information. Prepare and deliver the closing documents to the appropriate Closing Agent, Attorney, or branch. Order the LQCC report as needed, obtain member feedback when credit report changes occur, and perform a verbal employment verification prior to loan closing. Execute the investor quality control check by validating loan data against underwriting data and addressing any errors. Collaborate with underwriting, processing and origination teams to resolve escalated issues and ensure timely closings. Submit the Uniform Closing Dataset (UCD) to the investor as mandated, reviewing and resolving any feedback-related errors. Support post-closing quality control by identifying and addressing documentation or compliance issues that arise after funding. Demonstrate behaviors in line with the Credit Union’s Fundamentals as part of the Workers Way culture program. Assume additional responsibilities as required. Other Duties May be asked to provide coverage in other WCU branches or departments. Adhere to all WCU policies and procedures which include security compliance and following guidelines intended to limit risk exposure to fraud and losses. Participates in department and/or organizational projects as directed. Performs other tasks or functions as required, requested, necessary or prudent. Maintains confidentiality of all member and credit union information and data. Regularly demonstrates behaviors as defined by the credit union’s Fundamentals, which are part of the Workers Way culture program. Education High School Diploma or Equivalent Required. Experience A minimum of 2-4 years of experience in mortgage closing or related roles, with a strong understanding of closing procedures, loan documentation, and regulatory compliance. Skilled in preparing and reviewing closing documents, coordinating with attorneys and closing agents, and resolving issues that may impact funding timelines. Proficient in mortgage software systems and known for attention to detail, organizational skills, and effective communication are crucial to being successful in this role. Additional Qualifications for Senior Mortgage Closer: 4–7 years of experience in mortgage closing, including handling complex loan types such as construction, portfolio, and multi-disbursement loans. Demonstrated expertise in investor and regulatory closing guidelines, with experience mentoring junior closers and leading quality control efforts. Proven ability to manage high-volume pipelines, support post-closing issue resolution, and contribute to process improvements and team development. Knowledge/Skills/Abilities/Competencies A successful Mortgage Closer brings a strong working knowledge of closing procedures, loan documentation standards, and regulatory requirements such as TRID and RESPA. Proficiency in mortgage software systems and closing platforms is essential for ensuring accuracy and efficiency throughout the closing process. The role requires exceptional attention to detail, time management, and organizational skills to manage multiple closings and meet strict deadlines. Effective communication and collaboration are critical for coordinating with attorneys, title companies, and internal teams to resolve issues and deliver a seamless member experience. Senior-level closers are expected to demonstrate advanced understanding of investor and secondary market closing guidelines, contribute to quality control efforts, and support the implementation of procedural improvements. They should also be capable of interpreting regulatory changes, mentoring peers, and escalating trends or risks to management when appropriate. Work Environment This role is currently classified as a hybrid position. However, the classification is subject to change based on business needs. Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. This is a largely sedentary role. While performing the duties of this job, the employee is regularly required to stand, talk, hear, and use hands and fingers to handle, feel or operate objects, tools, or controls and to reach with hands and arms. This role routinely uses standard office equipment such as computers, phones, photocopier/scanner, filing cabinets, and fax machines. Ability to travel to other work locations as required. About Workers Credit Union : Since 1914, Workers Credit Union has existed to Improve the Daily Lives of our Members . We deliver on our core purpose by partnering with our members to help them make their best financial choices and improve their financial wellness. We call this The Workers Way and this is at the center of everything we do. Through our specialized financial counseling, we are pioneering a new member experience through high-touch service and convenient technology. We have grown to over 2.6 Billion in assets and serve over 120,000 members. We are one of the top performing credit unions in Massachusetts with big plans for the future! Benefits Comprehensive medical, dental and vision plans Basic life and AD&D insurance, short-term disability and long-term disability 15+ days of paid time off (PTO) per year Up to 16 hours of volunteer time off (VTO) per year 11+ paid holidays 401(k) that includes a Safe Harbor Match of up to 4%. Tuition Reimbursement Program Mental health resources including an Employee Assistance Program (EAP) Individualized learning and development programs EEO Statement: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.
Job Title: Senior Mortgage Processor Department: Mortgage Lending Department Location: Littleton, MA Reports to: Senior Director, Mortgage Productions Career Stream: Individual Contributor Classification: Hybrid Exemption: Non-Exempt Pay Grade: 9 Pay Grade Range: $26.98 - 33.72 Actual compensation offered may vary from the posted pay grade range based on factors such as relevant experience, time in role, base salary of internal peers, prior performance, business sector, licensure requirements and/or skill level, and will be finalized at the time of offer. FUNCTION: Responsible for performing a variety of tasks to ensure that mortgage and home equity loan applications are processed accurately and efficiently. Ensures all files are complete and compliant with Workers Credit Union policies, investor requirements, mortgage insurance standards, and applicable government loan regulations. Essential Job Duties And Responsibilities For Both Mortgage Processor and Senior Mortgage Processor: Prepare and review initial disclosure packages, including Loan Estimates, ensuring accurate loan setup and compliance with loan program guidelines. Deliver disclosure packages to members via eSign or mail, based on their communication preferences. Order and track required third-party reports such as appraisals, title, flood certifications, tax transcripts, and employment verifications. Review borrower documentation for completeness and alignment with AUS findings; request and collect any outstanding items. Process home equity applications from approval to closing, including communication with members, delivering required documents, and clearing pre-closing conditions. Monitor and review title and property condition reports, escalating any issues to underwriting as needed. Ensure timely submission of loan files to underwriting; update the LOS with verified information and clear conditions as received. Manage government loan files, including coordination with lenders, tracking conditions, and providing updates to borrowers, MLOs, and agents. Track key milestones such as underwriting timelines, financing contingencies, closing dates, and rate lock expirations; communicate proactively with MLOs. Prepare and issue revised Loan Estimates in compliance with TRID for any changes in circumstance. Communicate approvals to all relevant parties and conduct pre-funding audits, including verbal employment verifications. Support the closing process and ensure confidentiality of all borrowers and loan information. Uphold the Workers Credit Union “Workers Way” culture through daily interactions and behaviors. Perform other duties as assigned to support departmental and organizational goals. Additional Responsibilities for Senior Mortgage Processor: Serve as a subject matter expert and resource for junior processors, providing guidance on complex loan scenarios, regulatory compliance, and internal procedures. Support the training and onboarding of new team members and temporary staff in collaboration with processing leadership. Take ownership of high-volume or high-complexity pipelines, including jumbo loans, construction loans, and government-backed programs. Lead or participate in departmental initiatives aimed at improving processing efficiency, compliance, and member experience. Support the implementation of policy updates, system enhancements, and procedural changes in coordination with mortgage processing leadership Other Duties May be asked to provide coverage in other WCU branches or departments. Adhere to all WCU policies and procedures which include security compliance and following guidelines intended to limit risk exposure to fraud and losses. Participates in department and/or organizational projects as directed. Performs other tasks or functions as required, requested, necessary or prudent. Maintains confidentiality of all member and credit union information and data. Regularly demonstrates behaviors as defined by the credit union’s Fundamentals, which are part of the Workers Way culture program Education High School Diploma or Equivalent Required. Experience 2-4 years of experience managing both first mortgage and home equity loan files from initial disclosure through closing. Skilled in reviewing and validating borrower documentation, ordering third-party reports, reviewing underwriting conditions, and ensuring compliance with TRID and investor guidelines. Proficient in using loan origination systems (LOS), coordinating with internal teams and external partners, and maintaining clear communication with borrowers to ensure timely and accurate closings. Known for attention to detail, efficiency in pipeline management, and delivering exceptional service while upholding confidentiality and organizational values. Additional Qualifications for Senior Mortgage Processor: 4-7 years of experience. Demonstrated ability to handle complex loan scenarios, including jumbo, construction, and government-backed loans. Experienced in mentoring junior processors, resolving escalated issues, and serving as a subject matter expert within the team. Proven track record of leading process improvements, maintaining high pipeline efficiency, and delivering exceptional service. Recognized for attention to detail, leadership, and commitment to confidentiality and organizational values. Knowledge/Skills/Abilities/Competencies A successful Processor possesses strong knowledge of mortgage products, regulatory guidelines (including TRID, RESPA, and HMDA), and loan processing procedures. Proficiency with loan origination systems, AUS platforms, and document management tools is essential. Key skills include attention to detail, strong organization, effective communication, and the ability to manage multiple files and deadlines simultaneously. The role requires a customer-focused approach, confidentiality, adaptability, and collaboration with internal teams and external partners to ensure efficient, compliant loan processing and exceptional member service. Work Environment Hybrid Work Environment: This position offers a hybrid work environment, combining remote work with regular on-site days at the Littleton Headquarters. This work environment is subject to change based on business needs. Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. This is a largely sedentary role. While performing the duties of this job, the employee is regularly required to stand, talk, hear, and use hands and fingers to handle, feel or operate objects, tools, or controls and to reach with hands and arms. This role routinely uses standard office equipment such as computers, phones, photocopier/scanner, filing cabinets, and fax machines. About Workers Credit Union : Since 1914, Workers Credit Union has existed to Improve the Daily Lives of our Members . We deliver on our core purpose by partnering with our members to help them make their best financial choices and improve their financial wellness. We call this The Workers Way and this is at the center of everything we do. Through our specialized financial counseling, we are pioneering a new member experience through high-touch service and convenient technology. We have grown to over 2.6 Billion in assets and serve over 120,000 members. We are one of the top performing credit unions in Massachusetts with big plans for the future! Benefits Comprehensive medical, dental and vision plans Basic life and AD&D insurance, short-term disability and long-term disability 15+ days of paid time off (PTO) per year Up to 16 hours of volunteer time off (VTO) per year 11+ paid holidays 401(k) that includes a Safe Harbor Match of up to 4%. Tuition Reimbursement Program Mental health resources including an Employee Assistance Program (EAP) Individualized learning and development programs EEO Statement: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.
Job Title: Senior Mortgage Underwriter Department: Mortgage Lending Department Location: Littleton, MA Reports to: Mortgage Underwriting Manager Career Stream: Individual Contributor Classification: Hybrid Onsite Frequency: On-site at HQ more than 10 days per month with assigned workspace Pay Grade: 12 FLSA Status: Exempt Pay Grade Range: ($81,812.64 - $102,265.90 - $122,719.17) Actual compensation offered may vary from the posted pay grade range based on factors such as relevant experience, time in role, base salary of internal peers, prior performance, business sector, licensure requirements and/or skill level, and will be finalized at the time of offer. FUNCTION: Responsible for underwriting first mortgages and home equity loan applications. Ensures all files are complete and compliant with Workers Credit Union policies, investor requirements, mortgage insurance standards, and applicable government loan regulations. Essential Job Duties And Responsibilities Underwrites first mortgage loans in compliance with all secondary market requirements, private mortgage insurance requirements, regulatory requirements and Workers Credit Union policies. Underwrites home equity loans in accordance with private mortgage insurance requirements, regulatory requirements and Workers Credit Union policies. Evaluates borrower creditworthiness and collateral to determine loan eligibility and assess overall risk to the credit union. Exercises sound judgment in approving, suspending, or denying loan applications based on a comprehensive risk analysis. Uses analytic tools (i.e. Collateral Underwriter, fraud prevention, etc.) in the risk assessment of the loan to determine requirements to meet legal and investor requirements. Ensures underwriting decisions align with the credit union’s risk appetite, lending policies, and regulatory requirements. Remains current on investor and mortgage insurance guidelines. Prepares commitment letter for home equity and first mortgage loans. Clears loans for closing by ensuring pre-closing conditions have been satisfied. Reviews and decisions subordination requests according to loan policy. Provides the origination staff with support for the review of preapprovals. Uses knowledge of investor and mortgage insurance guidelines along with loan policy to not only approve loans as submitted but to restructure loans as required to obtain an approval. Tracks key milestones such as contingencies, closing dates, and rate lock expirations; communicate proactively with all applicable teams. Collaborates with internal stakeholders to resolve complex loan issues and ensure timely decision-making. Prepares and issue revised Loan Estimates in compliance with TRID for any changes in circumstance. Maintains confidentiality of all data. Upholds the Workers Credit Union “Workers Way” culture through daily interactions and behaviors. Performs other duties as assigned to support departmental and organizational goals. Additional Responsibilities for Senior Mortgage Underwriter: Serves as a subject matter expert and resource for junior underwriters, providing guidance on complex loan scenarios, regulatory compliance, and internal procedures. Serves as a key decision-maker in loan policy exceptions, providing rationale and risk mitigation strategies. Supports the training and onboarding of new team members and temporary staff in collaboration with underwriting leadership. Takes ownership of high-volume or high-complexity pipelines including high-balance, non-conforming, or exception-based loans. Leads or participate in departmental initiatives aimed at improving underwriting efficiency, compliance, and member experience. Supports the implementation of policy updates, system enhancements, and procedural changes in coordination with mortgage underwriting leadership Other Duties May be asked to provide coverage in other WCU branches or departments. Adhere to all WCU policies and procedures which include security compliance and following guidelines intended to limit risk exposure to fraud and losses. Participates in department and/or organizational projects as directed. Performs other tasks or functions as required, requested, necessary or prudent. Maintains confidentiality of all member and credit union information and data. Regularly demonstrates behaviors as defined by the credit union’s Fundamentals, which are part of the Workers Way culture program. Education High School Diploma or Equivalent Required. Experience 2-5 years of experience in secondary mortgage underwriting. Knowledgeable in real estate lending guidelines and regulations including secondary market. Skilled in evaluating borrower credit, collateral, and capacity in accordance with investor and regulatory guidelines. Proficient in using loan origination systems (LOS) and automated underwriting systems (AUS). Known for sound judgment, attention to detail, efficiency in pipeline management, and effective communication with Originators, Processors, and Closers to ensure timely and accurate closings. Additional Qualifications for Senior Mortgage Processor: 5-8 years of experience in secondary mortgage underwriting, including complex loan types such as jumbo, construction, non-conforming and portfolio products. Demonstrated ability to assess risk, make high-level credit decisions, and mentor junior underwriters. Experienced in leading underwriting process improvements and maintaining high-quality standards in a fast-paced environment. Recognized for attention to detail, leadership, and commitment to confidentiality and organizational values. Knowledge/Skills/Abilities/Competencies A successful Underwriter demonstrates deep knowledge of mortgage products, investor guidelines, and regulatory requirements (including TRID, RESPA, and HMDA). Proficient in loan origination systems (LOS), AUS platforms, and document management tools. Strong analytical and decision-making skills are essential for assessing credit risk and ensuring sound underwriting decisions. Must be detail-oriented, organized, and capable of managing multiple priorities. The role requires confidentiality, adaptability, and collaboration with internal teams to ensure efficient, compliant, and risk-aligned loan underwriting. Work Environment Hybrid Work Environment: This position offers a hybrid work environment, combining remote work with regular on-site days at the Littleton Headquarters. This work environment is subject to change based on business needs. Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. This is a largely sedentary role. While performing the duties of this job, the employee is regularly required to stand, talk, hear, and use hands and fingers to handle, feel or operate objects, tools, or controls and to reach with hands and arms. This role routinely uses standard office equipment such as computers, phones, photocopier/scanner, filing cabinets, and fax machines. About Workers Credit Union : Since 1914, Workers Credit Union has existed to Improve the Daily Lives of our Members . We deliver on our core purpose by partnering with our members to help them make their best financial choices and improve their financial wellness. We call this The Workers Way and this is at the center of everything we do. Through our specialized financial counseling, we are pioneering a new member experience through high-touch service and convenient technology. We have grown to over 2.6 Billion in assets and serve over 120,000 members. We are one of the top performing credit unions in Massachusetts with big plans for the future! Benefits Comprehensive medical, dental and vision plans Basic life and AD&D insurance, short-term disability and long-term disability 15+ days of paid time off (PTO) per year Up to 16 hours of volunteer time off (VTO) per year 11+ paid holidays 401(k) that includes a Safe Harbor Match of up to 4%. Tuition Reimbursement Program Mental health resources including an Employee Assistance Program (EAP) Individualized learning and development programs EEO Statement: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.