This is a U.S.-based remote position where you'll work from home in Texas, Oregon, North Carolina, Florida, or Colorado. Applicants from other states will be considered based on location. We have a number of openings available for multiple job titles, so be sure to view and apply to those as well, and to share with your talented colleagues.

If you combine your mortgage industry experience with strong problem-solving skills and a customer service approach, this position offers you several compelling opportunities. You will:

• Enjoy a positive, collaborative environment; as a credit union, we focus on what's best for our members rather than cut-throat competition. In fact, we have a strict no jerks, no drama policy.
• Work from home but still make a difference. With just 200 employees, your suggestions will be welcome and it's not unusual for people to interact directly with senior executives. Quick question for you - click here
• Expand your skills and experience. Initially you will support wholesales mortgage processes, but you'll also work on the retail side. We offer products that others don't, such as jumbo mortgages. 
• Participate in fun events, including community involvement, team events, and celebrations.
• Showcase your potential to move up. Success in this role could set you up to advance within loan processing or pursue opportunities in underwriting, closing or other areas of our organization.

In 1967, ten Austin-based IBM employees pooled their resources to form an employee credit union. Now, five decades later, Amplify Credit Union is a member-owned financial cooperative with more than 60,000 members and almost $1 billion in assets. Our team lives and works in the communities we serve, making us the foremost experts on how our members can achieve their personal and professional financial goals in Central Texas. Our employee-centric approach helped Amplify become one of the Austin American-Statesman's Top Workplaces in 2019.

Video: We celebrate top performers with the Amplify Annual Award. Recent winners spent the day cruising downtown with Rocket Electrics.

To be a good fit for the Loan Processor III opportunity, you will have:

• A high school diploma or general education degree (GED). A bachelor's degree in business or related field is preferred.
• 4+ years of experience in the mortgage industry, with 3+ years of mortgage loan processing experience including conventional underwriting. 
• Demonstrated proficiency in analyzing and assessing personal tax returns and business tax returns for corporations, S-Corps and partnerships, including all schedules. 
• Computer proficiency, including proficiency with MS Office, credit bureau systems, financial calculators, Desktop Underwriter, Doc Magic, Optimal Blue, and Encompass.
• The ability to learn and train others in the use of specialized mortgage lending software.
• The ability to quickly obtain working knowledge of our products and services (including the home equity loan product and processes), policies, and the Federal Credit Union Act, including bylaws and regulations that apply to federally chartered credit unions.
• The ability to understand standard operating procedures and familiarity with state and federal NCUA regulations.
• The ability to understand other regulations, such as (but not limited to) HMDA, the Dodd-Frank Act, Regulation Z, Regulation B, the FHLMC, FNMA, FHA, and TRID rules and processes.

Just as important will be the following competencies and characteristics:

• Strong organizational skills, with the ability to multitask in a fast environment where priorities can change.
• Excellent judgment skills to make quick decisions consistent with written policy and standard operating procedures.
• Strong self-motivation with the ability to achieve goals independently and contribute as a team player.
• Solid problem-solving skills.
• Excellent written and oral communication abilities.

Preferred but not required:

• Bilingual skills in English and Spanish.
• Knowledge of Texas Home Equity Loan processes.
• FHA and VA processing experience.

In addition, you must be bondable by a credit union. You will need to be registered as a mortgage loan originator (MLO) with the Nationwide Mortgage Licensing System (NMLS) and Registry on an annual basis in addition to maintaining updates as needed. Initial registration is required immediately upon hire.

You'll work from your home office. Our preference is that you live in the greater Austin area, but we'll consider candidates in other U.S. locations as well. Once it is safe to do so, we'll bring you in for training, celebrations and our annual all-staff meeting.

Pictured: Amplify Credit Union is committed to diversity. We're also committed to a fun, upbeat culture!

You will be responsible for the timely review of loan documentation -- including personal and business tax returns and schedules -- to ensure accuracy, completeness and compliance with internal, regulatory, private mortgage insurance, and investor guidelines in order to meet quality and service standards.

This will include evaluating all information supplied on the loan application, verifying the validity of the information and assembling a completely documented file to Underwriting and Closing. You'll work closely with the Home Loan Production team to ensure an accurate and timely loan process and communicate effectively to support a quality member service experience. 

On the wholesale side you will work regularly with brokers via email and phone, helping them navigate our system to lock in loans, upload documentation and more. This will require a high-touch approach.

More specifically, you will:

• Follow procedures to efficiently and accurately process home loan products at a quality level consistent with established FNMA, Private Mortgage Insurance, and internal Credit Union guidelines, as well as meeting all regulatory requirements including NCUA and CFPB.
• Maintain a pipeline of loans, ensuring the compliant and timely flow of loans through the process.
• Monitor and ensure closing dates and company deadlines are met.
• Review loan files for completeness upon receipt and update data in the system of record as needed prior to submitting to Underwriting.
• Ensure all documentation necessary to obtain a loan approval has been received, reviewed, and updated in the system of record.
• Satisfy all underwriting conditions and prepare the file for submission to the Closing department.
• Verify accuracy of all information provided by borrowers at time of loan application, including but not limited to: income, assets, employment, liabilities, and residency.
• Analyze and assess both personal and business tax returns, including all schedules.
• Fulfill documentation verification requirements for loan approval, including but not limited to verbal and/or written verifications of: employment, assets, mortgage, and rent.
• Work with third party vendors to complete documentation requirements to support property collateral, including but not limited to title companies, appraisal management/property evaluation companies, Realtors, attorneys and survey companies.
• And more.

Note: this description is intended to give you a general overview of the position and is not an exhaustive listing of duties and responsibilities.

Great environment
Our culture provides a supportive environment where every team member is motivated to go beyond the typical service interaction and provide extraordinary experiences. Amplify team members are encouraged to look at the big picture and strive for solutions to produce positive results.

Feel good at the end of the day
Credit unions are different from a lot of other companies. One of our goals is to make money, of course, but we are member-owned. That means our operating decisions are based on members' interests, putting people before profits.

Transparent leadership
Our CEO has 40 years of experience in mortgage banking, in contrast to many other companies where the top executive comes from finance or operation. In addition to leading the entire company, he serves as Chief Lending Officer. He holds monthly town hall meetings to promote openness and transparency.

Amplify gives back
Community involvement is an important part of our culture. Our business success is built on the community around us, now more than ever. Therefore, we believe it is our responsibility to give back to those who support our growth. Through volunteerism, we can strengthen the communities around us and strengthen our business as well.

Commitment to employees
While other employers in our industry respond to ups and downs by casually hiring and laying people off, we are more thoughtful in our workforce planning. Our goal is to provide a stable environment for quality talent.

Excellent compensation
In addition to a competitive salary and performance-based incentive plan, we offer a rich benefit package that includes medical, dental and vision insurance; a generous plan for accruing paid time off; a 401(k) plan; tuition reimbursement; profit sharing; and paid time off for community service

Video: Amplify team members got their hands dirty spending the day supporting Farmshare Austin, a non-profit organization committed to growing a healthy local food community by increasing food access, teaching new farmers and preserving farmland.

While you will handle a high volume of work, you'll also need to provide high-touch customer service to brokers. You'll need patience and solid follow-through habits as you teach them our systems.

You will join a group that is close-knit, even though we work remotely. Not only are people friendly, but they also are supportive and committed to caring for one another. If you run into an issue, you only need to reach out. Keep in mind, however, that we have zero tolerance for drama. Team members bring a strong sense of ownership and accountability and take pride in having a deep understanding of their roles. To fit in well, you'll strike a balance between achieving individual goals independently and contributing as a team player.

No two days will be the same. One morning you will prepare loans for the underwriters, that afternoon you may verify employment, and the next day you'll analyze tax documents. The pace is fast and priorities can shift quickly. In addition to being organized and flexible, you'll need to be able to keep a cool head.

Pictured: Amplify Credit Union offers talented and motivated people (like you!) the opportunity to do the best work of their lives in an exciting and emerging company. Party masks are optional.