Mortgage Loan Processor bei USF Federal Credit Union

When joining USF Federal Credit Union, you can expect to work for a company that: 

• Strives to be the most influential partner in our Members’ financial journey.
• Has been recognized with awards such as the “Sterling Governor’s Award for Excellence” and League of Southern Credit Unions & Affiliates “Credit Union of the Year”.
• Has a culture of engagement, growth, process improvement and community volunteerism.

What’s in it for you:

• Competitive pay, robust incentive programs, 401k matching, Mortgage and Auto Loan discounts
• 4 weeks minimum paid time off work, work anniversary paid time off, 11 paid holidays and 8 hours paid volunteer time off.
• Medical, Dental and vision plans with FSA option. (Employee Only Premiums for Dental and Vision are 100% Credit Union covered).
• 100% Credit Union Paid Short-Term and Long-Term Disability and Life Insurance
• Employee Assistance Program
• Undergraduate and Graduate Tuition Reimbursement
• In-depth New Employee Orientation showcasing Credit Union Values and Vision
• A Think Big culture dedicated to performance excellence and continual growth

Position Summary: 

Gather, organize and analyze financial data in a pre-underwrite fashion for conventional -FHLMC, portfolio and HELOC loans from initial set up until the file is cleared for closing. Requires the ability to understand the guidelines and be able to compare the loan file against guidelines to effectively process the loan request without errors.  Ability to maintain a pipeline of 40-50 loans to provide for 20-25 closings per month. Maintains a positive attitude and conducts business in a professional manner.  Assured that all members, employees and visitors are treated with consideration and respect and are responsible for meeting production levels set by USF Federal Credit Union.

Essential Functions & Additional Responsibilities:

• Validates the application is complete, meeting credit union guidelines and standards. Opens files and orders required 3rd party documents for all loan requests. Gathers, analyzes and submits all data and documents related to the loan application including, income assets, liabilities, employment and all required third party documentation/reports which include but are not limited to appraisals, title, insurance etc. to the underwriter for final approval. Completes any underwriting conditions and coordinates loan closings. 
• Proactively creates and maintains a close communication relationship with all parties involved in the mortgage transaction to ensure timely fulfillment of documentation requirements within prescribed timeframes. Answers mortgage applicants’ questions and return phone calls and electronic communications in a timely manner according to established performance standards. 
• Maintains thorough notes on every file in the Loan Origination System.
• Monitors pipeline daily to ensure files are adequately reviewed according to established performance standards and timeframes.
• Responsible for accurate and compliant re-disclosures of loan amount, term, rate, and closing costs.
• Records data on pipeline, including number of new applications, pull through, approvals, canceled, withdrawn and denied loan requests. 
• Performs other related duties as assigned.

Education:

• A high school education or G.E.D. 

Experience:

• 1 year of mortgage processing or closing experience

 Other Skills:

• Experience with Microsoft Word, Power Point, Excel and Outlook.
• Automated Loan Origination System experience
• Strong verbal and written communication skills.
• Must have a high level of organizational skills, analytical skills and be able to multitask
• Must demonstrate a functional knowledge of the Bank Secrecy Act in addition to other Federal laws, including but not limited to U.S. Patriot Act, Office of Foreign Assets & Control, Anti-Money Laundering, Right to Financial Privacy Act, and the Bank Bribery Act.

About Us:

For 65 years, USF FCU has experienced rapid growth and is dedicated to delivering financial solutions to improve our members’ lives. Our success is thrilling, but our core values of excellence, passion, innovation, community, and collaboration mean our relationships with our members and our employees will always be our top priority! We have grown to over 73,000 members and $1.1 billion in assets, robust online and mobile banking, 9 branch locations and thousands of shared branches and fee-free ATMs nationwide.

Our vision is to be the most influential partner in each member’s financial journey. 

Our mission is to deliver financial solutions to improve members’ lives.