Senior Mortgage Loan Processor

Reports To: AVP RE Lending

Role at SMUC: Responsible for the quality and timely processing of first mortgages.

Essential Job Functions:

  • Performs all phases of processing Conventional, Construction, FHA and VA mortgage loans.
  • Processes loans in a timely manner with very few audit exceptions.
  • Processed loan packages to meet investor, SMCU and PMI guidelines.
  • Insures the loan packages are accurate and compliant with State and Federal Regulations.
  • Works closely with Underwriters, Loan Officers and Closers.
  • Monitors and maintains pipeline
  • Provides member status updates as needed or requested.

Other duties may be assigned.

Working Conditions

  • Work is generally performed in an office environment.  May be required to attend off-hours meetings and seminars
  • Indirect exposure to robbery.



  • Must also be able to handle a pipeline of 40 +/- files and have them fully processed within 20 days for final loan approval with accuracy.
  • Ability to comprehend and clear AUS conditions/findings.
  • Strong communication and problem solving skills.
  • Ability to prioritize daily work to meet deadlines and adjust to last minute changes.
  • Excellent organizational skills and attention to detail.
  • Knowledge of and experience with FNMA/FHLMC, FHA and VA guidelines.
  • Ability to listen to questions and concerns and respond appropriately and accurately.
  • Ability to maintain a positive and friendly attitude when under pressure.
  • Strong computer skills.
  • Excellent customer service skills.
  • Excellent attendance.
  • Ability to work independently.
  • Knowledge of the Secondary Market.
  • Basic underwriting skills (review appraisals, title and tax returns)


  • Strong computer skills.
  • Excellent customer service skills.
  • Excellent verbal and written communication skills.
  • Excellent organizational and time management skills.
  • Excellent attention to detail and accuracy.


  • Ability to process first mortgage files on a consistently accurate level.
  • Ability to perform basic math calculations (addition, subtraction, multiplication, division, and percentages).
  • Ability to communicate with tact, discretion, and courtesy within and outside the organization.
  • Ability to work independently and prioritize workload.
  • Ability to handle stress in a high volume and fast paced environment.
  • Ability to make decisions.
  • Excellent attendance.
  • Professional appearance and demeanor.


  • High school level or greater. 
  • Minimum three years of experience processing investor quality first mortgage loans.

Please visit to see a full job description, benefits summary and to learn more about the credit union.


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