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Job Title: Senior Mortgage Processor

Department: Mortgage Lending

Department Location: Littleton, MA

Reports to: Senior Director, Mortgage Productions

Career Stream: Individual Contributor

Classification: Hybrid

Compensation: The base pay of the budgeted range is $25-35 per hour. Actual compensation offered may vary from the posted hiring 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:

1. Prepare and review initial disclosure packages, including Loan Estimates, ensuring accurate loan setup and compliance with loan program guidelines.
2. Deliver disclosure packages to members via eSign or mail, based on their communication preferences.
3. Order and track required third-party reports such as appraisals, title, flood certifications, tax transcripts, and employment verifications.
4. Review borrower documentation for completeness and alignment with AUS findings; request and collect any outstanding items.
5. Process home equity applications from approval to closing, including communication with members, delivering required documents, and clearing pre-closing conditions.
6. Monitor and review title and property condition reports, escalating any issues to underwriting as needed.
7. Ensure timely submission of loan files to underwriting; update the LOS with verified information and clear conditions as received.
8. Manage government loan files, including coordination with lenders, tracking conditions, and providing updates to borrowers, MLOs, and agents.
9. Track key milestones such as underwriting timelines, financing contingencies, closing dates, and rate lock expirations; communicate proactively with MLOs.
10. Prepare and issue revised Loan Estimates in compliance with TRID for any changes in circumstance.
11. Communicate approvals to all relevant parties and conduct pre-funding audits, including verbal employment verifications.
12. Support the closing process and ensure confidentiality of all borrowers and loan information.
13. Uphold the Workers Credit Union “Workers Way” culture through daily interactions and behaviors.
14. Perform other duties as assigned to support departmental and organizational goals.

*Additional Responsibilities for Senior Mortgage Processor:

1. Serve as a subject matter expert and resource for junior processors, providing guidance on complex loan scenarios, regulatory compliance, and internal procedures.
2. Support the training and onboarding of new team members and temporary staff in collaboration with processing leadership.
3. Take ownership of high-volume or high-complexity pipelines, including jumbo loans, construction loans, and government-backed programs.
4. Lead or participate in departmental initiatives aimed at improving processing efficiency, compliance, and member experience.
5. 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, vet

Your initial post of duty will be determined at the time of the final job offer and will be based on the operational needs of the U.S. Secret Service.

Recruitment Incentive: Applicants may be eligible for a $40,000 recruitment incentive in accordance with regulatory requirements. Click apply for complete details on the recruitment incentive details and eligibility.

At their core, those who join the Secret Service are courageous, intelligent, strong and determined. A diverse team capable of balancing our investigative mission and fulfilling our protective legacy. Proven to be worthy of trust and confidence. Be tomorrow's Secret Service.

During the course of their careers, special agents carry out assignments in both investigations and protection and may be assigned to multiple duty stations throughout the U.S. and abroad. Duties include:

• Providing protection for various protectees.
• Conducting criminal investigations pertaining to financial obligations of the United States.
• Planning and implementing security designs for National Special Security Events.

This is no ordinary job, and our special agents are no ordinary individuals. Show us you have the talent and background we need, and we'll show you the rewards that come with being a special agent in the U.S. Secret Service. We invite you to become part of our elite team. Explore a career that will take you to new heights while you serve your country with honor, distinction and pride.

Requirements

• U.S. citizenship is required
• Possess a current valid driver's license
• Carry and use a firearm. Maintaining firearm proficiency is mandatory.
• Must be at least 21 years old at the time of application and under 40 at referral. Exceptions may apply for those with current or prior service in federal law enforcement positions covered by special retirement provisions. The Secret Service has determined that age is essential to the performance of this position.
• You must obtain a Top Secret Clearance and retain it during your career.
• Possess uncorrected visual acuity of no worse than 20/100 binocular, possess corrected visual acuity of 20/20 or better in each eye.
• Hearing loss, as measured by an audiometer, must not exceed 25 decibels (A.S.A. or equivalent I.S.O.) in either ear in the 500,1000 and 2000Hz ranges.
• Submit to a drug test prior to your appointment and random drug testing while you occupy the position.
• Complete 13 weeks of intensive training at the Federal Law Enforcement Training Center(FLETC) in Glynco, GA and 18 weeks of specialized training at the James J. Rowley Training Center in Laurel, MD.
• Sign a mobility agreement stating your willingness to accept assignments anywhere within the United States and overseas.
• Certify that you have registered with the Selective Service System or are exempt from having to do so, if you are a male applicant born after December 31, 1959.

Speech Pathologist Career Opportunity

WelcometoEncompassHealth:WhereCompassionMeetsSpeech Therapy

Are you searching for a career that aligns with your passion and brings fulfillment close to home? At Encompass Health, we greet you like an old friend, fostering a sense of belonging right from the beginning. Imagine the chance to make a profound difference in your community by providing essential therapy and unwavering support to patients. Join our team as a Speech Pathologist and become a pivotal figure in assisting patients in overcoming speech and communication challenges. You'll find a supportive environment where small victories create monumental impacts and where you'll have access to cutting-edge technology while working for the nation's largest rehabilitation company. If this resonates with you, you're in the perfect place to make a meaningful impact.

A GlimpseintoOur World

Whether you're beginning your career or a seasoned Speech Pathologist looking for a nurturing environment to call home, we're confident you'll feel the difference the moment you join our team. Being a part of Encompass Health means being a part of a growing national inpatient rehabilitation leader. We take pride in our career growth opportunities and the collaborative spirit of our team members, united for the greater good of our patients. Our recognitions, including being named one of the "World's Most Admired Companies" and receiving the Fortune 100 Best Companies to Work For® Award, make us immensely proud.

BenefitsThatBeginWith You

Our benefits are designed to support your well-being and startonday one:

• Affordable medical, dental, and vision plans for both full-time and part-time employees and their families.
• Generous paid time off that accrues over time.
• Tuition reimbursement and continuous education opportunities for your professional growth.
• Company-matching 401(k) and employee stock purchase plans, securing your financial future.
• Flexible spending and health savings accounts tailored to your unique needs.
• A vibrant community of individuals who are passionate about what they do.

EmbraceYourRoleas aSpeech Pathologist

Your impactful journey involves:

• Evaluating, assessing, developing, and administering personalized treatment plans for patients with speech and language rehabilitation needs.
• Identifying issues and modifying speech therapy treatment if necessary.
• Tracking and documenting patient performance, progress, and response to treatment.
• Celebrating patient victories along the way.

Qualifications

• Current licensure or certification required by state regulations.
• Successful completion of SLP Certification of Clinical Competence (CCC).
• CPR certification required or must be obtained within 30 days of hire.
• Master's degree preferred, or Bachelor's degree with field experience.

TheEncompassHealth Way

We proudly set the standard in care by leading with empathy, doing what's right, focusing on the positive, and standing stronger together. Encompass Health is a trusted leader in post-acute care with over 150 nationwide locations and a team of 36,000 exceptional individuals and growing/

At Encompass Health, we celebrate and welcome diversity in our inclusive culture. We provide equal employment opportunities regardless of race, ethnicity, gender, sexual orientation, gender identity or expression, religion, national origin, color, creed, age, mental or physical disability, or any other protected classification.

We're looking forward to meeting you, and we truly mean that. Join our family, and let's make a positive impact together!

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DoorDash is the #1 category leader in food delivery, food pickup, and convenience store delivery in the US, trusted by millions of customers every day. As a Dasher, you’ll stay busy with a variety of earnings opportunities and can work when it works for you. Whether you’re looking for a side hustle or a full-time gig, delivering with DoorDash gives you the opportunity to earn extra cash on your terms.

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Basic Requirements

• 18+ years old*** (21+ to deliver alcohol)
• Any car, scooter, or bicycle (in select cities)
• Driver's license number
• Social security number (only in the US)
• Consistent access to a smartphone

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**Subject to eligibility..

***Must be 19+ in Arizona, California, Colorado, Delaware, Florida, Georgia, Idaho, Kentucky, Montana, New Jersey, New Mexico, Texas, Utah, and West Virginia

Additional information

Dashing with DoorDash is a great earnings opportunity for anyone looking for part-time, seasonal, flexible, weekend, after-school, temporary, steady delivery gig. Deliver with DoorDash and earn extra cash while being your own boss. Dash when it works for you. Sign up today.

NOTE: This position must be performed in Washington, DC so relocation to Washington, DC will be required.

Recruitment Incentive: Applicants may be eligible for a $75,000 recruitment incentive in accordance with regulatory requirements. Click apply to view full details and eligibility of this recruitment incentive.

At their core, those who join the Secret Service are courageous, intelligent, strong and determined. A diverse team capable of balancing our investigative mission and fulfilling our protective legacy. Proven to be worthy of trust and confidence. Be tomorrow's Secret Service.

Duties

During the course of their careers, Secret Service Police carry out assignments in protection. Duties include:

• Providing protection for The White House Complex, The Vice President's Residence, The Main Treasury Building and Annex, and foreign diplomatic missions and embassies in the Washington, D.C. area.
• Traveling in support of the Presidential, Vice Presidential, and foreign heads of state/government missions.
• Enforcing mandated protective responsibilities as described under Title 18, United States Code, Section 3056A.

Requirements

• U.S. citizenship is required.
• Possess a current valid U.S. driver's license.
• Must be at least 21 years old at the time of application and under 40 at referral. Exceptions may apply for those with current or prior service in federal law enforcement positions covered by special retirement provisions. The Secret Service has determined that age is essential to the performance of this position.
• Carry and use a firearm. Maintaining firearm proficiency is also mandatory.
• Possess uncorrected visual acuity of no worse than 20/100 binocular. Possess corrected visual acuity of 20/20 or better in each eye.
• Hearing loss, as measured by an audiometer, must not exceed 25 decibels (A.S.A. or equivalent I.S.O.) in either ear in the 500, 1000, and 2000 Hz ranges. Applicants must be able to hear the whispered voice at 15 feet with each ear without the use of a hearing aid.
• Submit to a drug test prior to your appointment and random drug testing while you occupy the position.
• Complete 12 weeks of intensive training at the Federal Law Enforcement Training Center (FLETC) in Glynco, GA or Artesia, NM and 17 weeks of specialized training at the James J. Rowley Training Center in Laurel, MD.
• Certify that you have registered with the Selective Service System or are exempt from having to do so, if you are a male applicant born after December 31, 1959.