Role Description Under the general supervision of the Processing Manager, the Loan Processor is tasked with completing one or more steps in the loan manufacturing process, which entails performing a variety of duties related to processing mortgage loan applications and mortgage loan documentation. Although individuals in this position generally will not interact directly with borrowers, they must view all internal and external interactions as an opportunity to provide a positive customer experience. - Maintain knowledge of all current conventional, USDA, bond, jumbo, FHA, and VA processing procedures issued by the company, investors, and government agencies. - Perform/order verifications of employment, tax transcripts, and other third-party verifications. - Order credit related documents such as credit supplements. - Obtain FHA/VA case numbers, CAIVRS, fraud reports, and other third-party items. - Communicate effectively on both internal and external interactions. - Organize documentation and perform required data entry to prepare applications for submission to underwriting. - Obtain and review preliminary title commitments and/or escrow instructions and perform related data entry. - Obtain and review hazard, flood, or other required insurances and perform related data entry. - Ensure compliance with investor/legal guidelines and directives. - Other duties as assigned. Qualifications - Processing experience preferred - High school diploma or equivalent required - Strong customer service skills required - Experience using Encompass preferred - Must possess strong mathematical and judgment skills - Must be detail-oriented, organized, and able to meet deadlines - Must comply with industry-related regulations, requirements, and state/federal laws - Ability to work independently to meet production and quality goals - Proficient with Microsoft Office suite Requirements - Extensive telephone usage. - Extensive oral and written communication required. - Regular use of computer mouse requires repetitive hand and wrist motion. - Essential functions must be performed during regularly scheduled business hours. Company Description Prosperity Home Mortgage, LLC is an Equal Opportunity Employer and makes employment decisions without regard to race, color, religion, sex (including pregnancy, gender identity, and sexual orientation), parental status, national origin, age, disability, genetic information (including family medical history), military service, or other non-merit based factors and characteristics protected by applicable federal, state, or local law.

Role Description Under the supervision of the AVP Indirect Lending, performs all duties associated with processing Indirect Consumer loans. Monitors Dealer track, RouteOne and CUDL, Indirect applications. Reviews loan packages and determines steps necessary to complete processing and funding in an accurate and timely manner. Adds value to the organization by assisting with the process which adds assets to the Credit Union’s portfolio. Works directly with the Auto Dealers and members. - Performs duties related to processing and funding of indirect consumer lending products. - Reviews documentation to ensure it corresponds with loan application; confirms accuracy of member information, conducts a comprehensive review of income verification, loads data in Loan Origination System, and funds in accordance with loan officer’s instructions/stipulations. - Works directly with Indirect Auto dealers to communicate loan stipulations and funding’s. - Accepts incoming calls from vendors, dealerships and external and internal members. - Answers questions and provides information related to loan processing and loan funding. - Reviews completed Indirect Funding Form and Checklist to confirm completion in accordance with credit union standards. - Sends completed package to Records/File Room after funding is completed. - Completes telephone interview/verification of indirect applicants and collateral along with verification of physical damage insurance coverage for the financed vehicle. - Adheres to all auditing procedures designed to document the lending process and provide the proper checks and balances. - Supports and participates in continuous improvement activities. - Represents the Credit Union in a positive and professional manner. - Maintains member and other sensitive information with confidentiality. - Treats co-workers and members with respect. - Other related duties as assigned. Qualifications - Minimum combined 1-year related consumer loan processing and/or funding experience to include no less than 6 months indirect experience. - A working knowledge of all consumer lending products, documentation, policies and procedures, services and delivery methods. - Familiarity with NCUA lending regulations, and consumer lending guidelines. - Must be able to communicate effectively with members, management, team members and external third-parties. - Ability to interface with people in a positive manner with empathy, courtesy and tact. - Good interpersonal and consulting skills. - Team oriented and the ability to work collaboratively. - Ability to analyze and solve problems relative to member service needs. - Ability to multitask and prioritize activities. - Ability to utilize calculator with accuracy. - Proficiency in the operations of a PC and Microsoft Office applications such as Outlook, Word and Excel. Requirements - Working knowledge of Loans PQ and DNA. Education - High School Diploma. Pay scale by applicable geographic work location: - Northern California: Min $22.46 - Mid $28.07 - Max $33.69 - Southern California: Min $23.20 - Mid $29.00 - Max $34.80 Benefits - Medical - Dental - Vision - Life Insurance - Flexible Spending Account - 401(k) Matching - Paid Time Off - Training Provided - Tuition Reimbursement

• Evaluate all information supplied on the mortgage loan application • Verify the validity of the information • Assemble completely documented files to Underwriting and Closing • Act as the primary liaison between the loan officer, loan officer assistant, realtors, builders, and the customer(s)

• Providing quality customer service by obtaining necessary documentation to underwrite the loan and orders third party documentation by communicating directly with the customer and/or Loan Officer • Provides proper disclosures when required by applicable local, state, and federal regulations • Perform a thorough review and analysis of borrower’s credit, employment, income, and assets as required by the loan program before submitting to underwriting • Assemble the complete loan package in proper order for underwriting • Verify all required documentation (pre-underwrite) in the file • Complete the required loan checklist • Verify that an application is complete and accurate; identify any potential issues that may arise in underwriting • Prepare a loan approval summary, Forms 1008 and 1003, and ensure the accuracy of all the information printed on the documents; communicate directly with the Loan Originator, customer, and Underwriter to obtain initial and any missing documentation required to qualify for the loan • Review loans for compliance with all mortgage-related regulations (RESPA, TIL, HMDA, Reg. B, etc.) and prepare required disclosures • Communicate with various companies to obtain Property Survey, Flood Certificate, Title Commitment, and payoff information • Manage pipeline by completing and submitting reports within allotted turn-around times • Assist set-up of loans • Document all communication related to the loan application in the conversation log • Train and assist supervision of new Loan Processors and other processing personnel • Assist closing, secondary marketing, and loan servicing to obtain and clear outstanding suspense items from CrossCountry Mortgage investors • Available to work varying hours and overtime if needed