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Posted June 09, 2026

Home Equity Processor

PENAIR CREDIT UNION
Pensacola, Florida, United States 32504 Full Time
Reference: 285144418

Company Description

Since 1936 PenAir® Credit Union has been the catalyst where community, resources, and impact come together and produce a powerful force for good. We have a unique culture and we’re passionate about it. Grown from the values we hold most dear, three guiding principles shape how we see the people we serve, the community around us, and our role within it. These guiding principles are Respect, Service, and Communerosity® and they’re woven throughout our culture.

PenAir is where people and community, resources and expertise align with your values to create real impact. Generational impact through strong financial education and support. We care about the things you care about. As the largest and oldest credit union in Pensacola, Florida, with more than $2.5 billion in assets, our purpose is to enhance the lives of those we serve in the Florida Panhandle, Southern Alabama, and Virginia.

Careers
 Do you have a passion for helping others?
 Currently, PenAir provides access to 14 convenient locations in Baldwin County, AL and Escambia, Santa Rosa, and Okaloosa Counties in Florida. Join us and become a powerful force for good - after all we live, work, and play here too.

Join the team. You’ll fit right in.
Take control of your future by mapping out a career at PenAir. Working with us means you can shape your professional experience to suit your dreams. We offer valuable resources that provide you the opportunity to build upon and strengthen your skills. Whether it be a career path in advising our members directly on products and services, guiding them through major purchase decisions on a home or vehicle, or even helping build the technology and processes behind the scenes, there is a place for everyone at Pen Air! Success looks different for everyone. Where will your journey take you? 

The PenAir difference.
 Just like we strive to be a force for good at work, Pen Air works just as hard to supply employees with a total rewards package that includes competitive salaries and meaningful benefits.

Holistic Amenities:

  • Up to $15K available for continuing education
  • Student Loan Paydown
  • Adoption Assistance Reimbursement
  • Wellness Programs
  • Gym membership reimbursement
  • Formal Career Development Resources
  • Financial Wellness Resources
  • Purchase assistance with computers and fitness equipment.
  • Benefits Package Highlights:
  • Generous PTO Plan—20 days for new hires
  • Paid Maternal & Parental Leave
  • Competitive Retirement Plan
  • Competitive medical, dental & vision plans
  • Company paid Telehealth services.
  • Company paid Short Term Disability
  • And more……….!

    • The starting pay for this position is $21.31-$23.97, depending on experience.

    About the role:

    The Home Equity Processor is responsible for proactively achieving high performance standards throughout the processing of HELOCs and Home Equity Loans. This role ensures regulatory compliance, timely and accurate member communication, and efficient loan closings, all in alignment with the credit union’s policies, procedures, and service expectations.

    Major Duties and Responsibilities:

  • Works with the member and Branch to determine the need and how to originate the home equity loan applications and aid in member applying for the loan request. Reviews home equity loan application files to verify that application data is complete. Maintains Home Equity pipeline and schedules closing with members. Communicates underwriting decisions to members and branch associates. Works with members and branch associates to clear underwriting conditions to reach a clear to close. Clears underwriting conditions.
  • Orders title commitments, flood certifications, appraisals, loan verifications, mortgage insurance, verification of income, and updates Homeowners Insurance.
  • Completes and sends required RESPA/TRID disclosures.
  • Ensures that the members receive their appraisals within the allowed given timeline to meet expected closing dates.
  • Audit the mortgage loan application and file before passing the file to the Universal Closer to complete the closing process.
  • Collects and prepares information for use in discussions and meetings.
  • Organizes loan file for underwriter review 
  • Actively looks for other ways to help members involving working with other departments in the Credit Union.
  • Performs other job-related duties as assigned.

    • Minimum Qualifications:

    Experience

  • One year to three years of similar or related experience.

    • Education/Certifications/Licenses

  • A high school degree or equivalent

    • Interpersonal Skills

  • Courtesy, tact, and diplomacy are essential elements of the job. Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation.

    • Other Skills:

  • Excellent organizational and editing skills
  • Attention to detail
  • Time management skills; telephone etiquette skills.

    • This Job Description is not a complete statement of all duties and responsibilities comprising the position.



          

    This Job Description is not a complete statement of all duties and responsibilities comprising the position.     





    Equal employment opportunity, including veterans and individuals with disabilities.

    PI285144418

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