Credit Union:



Eugene, Oregon



Job Description:

Beginning Pay Range: $21.03 – $26.29 per hour, eligible for incentives

Oregon Community Credit Union (OCCU) is looking for an experienced Mortgage Loan Processor to join our growing and high performing team. The primary function of the Mortgage Loan Processor is to ensure timely and accurate processing of all loans originated by Originators. They obtain initial loan information for submission through an AUS, send it to underwriting, submit documentation to clear underwriter conditions and obtain necessary items to prepare file for closing. In addition to processing real estate mortgage loans, they provide overall assistance to departmental process flow and training to new team members.

Location: Eugene, OR

Job Responsibilities:

The essential functions of this position require prioritizing and completing all assigned tasks in a timely and efficient manner, adjusting for changing priorities and availability of resources and demonstrating initiative in identifying additional job-related tasks to be completed when time permits. These duties are a representative example of position expectations. Actual duties assigned may vary and change depending on the business needs of the department and OCCU. 

  • Review and analyze initial loan application and supporting documentation provided, evaluating if additional documentation will be needed to satisfy loan conditions for approval.
  • Review and analyze standard documentation throughout process including: loan application, credit report, employment/income, assets, other verifications, sales contract, DO/DU/LP Findings, preliminary title report, flood certificate, fraud report, hazard/flood/PUD/Condo insurance(s), appraisal(s) and all other documents applicable to the loan.
  • Order verifications, appraisals and preliminary title reports; subordinations; modifications; account transfers; and request other critical documentation needed to process a file.
  • Perform income review and calculations; W2, 1099, Retired and Self-Employed income.
  • Complete detailed research on revised loans; compile information for underwriting and closing; and assist Loan Originators in meeting underwriting conditions.
  • Register loans and obtain FHA and VA I.D. numbers, as applicable.
  • Ensure all applications, forms, documents and disclosures are completed properly prior to submitting to underwriting.
  • Coordinate and engage with borrowers, realtors and title companies.
  • Ensure processing input fields are complete and accurate.
  • Confirm documents are labeled correctly and in the correct placeholders, with comments attached as needed.
  • Maintain a pipeline report of loans efficiency and accurately. Review pipeline daily to make sure new loans are moving through milestones as projected.
  • Review pipeline with Originator weekly to ensure file details and closing projections are aligned.
  • Review pipeline with management as required, sharing closing projections and discussing aged pipeline to determine if loans need to be denied or withdrawn.
  • Mentor and train new processors.
  • Follow all State & Federal Credit Union and Mortgage Lending regulatory compliance requirements and complete annual training as necessary.
  • Obtain and maintain NMLS registry.
  • Operate under regulation, quality control and department required timelines. Identify and communicate issues which may prevent reaching these timelines.
  • Maintain the highest level of confidentiality regarding all sensitive, confidential and proprietary credit union information.

Experience, Knowledge, Skills and Abilities:

Qualified candidates for this position will have relevant education and experience necessary to perform the essential functions and meet the minimum performance expectations for this position with or without an accommodation.

Preferred qualifications for the position include:

Three to five years of similar or related experience.


Equivalent to a high school education.

An equivalent combination of experience and education that demonstrates the required knowledge, skills and abilities required for the position will be considered in lieu of the outlined requirements.

Physical Demands and Work Requirements:

The physical demands and work environment characteristics described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  • Physical Demands: While performing the duties of this job, the employee is frequently required to:
    • Work for extended periods of time in a stationary position (possibly up to 60 minutes or more without an opportunity to substantially change position) while consistently grasping, moving and manipulating documents, office supplies, computer equipment and other business tools and materials.
    • Use and operate a personal computer, office equipment and other technology devices frequently and consistently throughout each day with a high degree of skill, accuracy and independent judgment.
    • Move to, from and within our building and across company-related property site locations as needed, possibly for extended periods of time.
    • Correspond, communicate and exchange information with other employees, members and other third parties with whom we work in-person, via telephone, virtually or by other electronic means using available technology during meetings, presentations and other situations in which business information may be shared, discussed or exchanged.
    • Maintain professional and respectful communication style and steady work focus to ensure reactions and responses to varied situations, stress, ambiguity, frustration, disappointment and disagreements. Set an example to others of appropriate workplace communications while contributing to a strong, harmonious team dynamic.
    • Lift, transport and/or move up to approximately 25 lbs. occasionally in the performance of regular duties.
    • Remain alert and able to observe surrounding areas and conditions at all times to identify, recognize and respond to potential obstacles, safety concerns, hazards, threats, property conditions requiring attention, unauthorized and/or dangerous persons and emergencies.

Work Environment: Office-related work is primarily conducted in a temperature-controlled office environment. Our office spaces include traditional office lighting (including fluorescent lighting), as well as shared office spaces and facilities that result in consistent and frequent noise (moderate and often louder than ambient noise), conversations among employees and/or members, interruptions and other similar distractions. 

Work Hours: This job can typically be done within a Monday through Saturday schedule; however, based on events going on there will be times when evening and weekend work is required with little or no notice.

 OCCU is an Equal Opportunity Employer