Mortgage Fulfillment Specialist

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement—available to all full and part time employees. Part time positions start at a minimum of 30 hours per week.

We encourage you to become a part of VyStar Credit Union's family of employees.

The Mortgage Fulfillment Specialist is accountable for providing support to the Mortgage Origination and Fulfillment Department. A substantial portion of the daily work involves handling confidential and sensitive member information which requires appropriate care. This position must have basic knowledge of financial institution protocol as well as basic knowledge of the mortgage lending environment including federal and state regulations as well as VyStar policies and procedures.

The Mortgage Fulfillment Specialist reports directly to the Mortgage Fulfillment Supervisor and indirectly to the Mortgage Loan Processing Manager.

• Quality Control
  • Monitors VyStar’s online mortgage application system for incoming first mortgage, home equity loan (HELOAN), home equity line of credit (HELOC), land, Construction to Perm, FHA and VA applications daily.
  • Completes loan file set‑up of purchases, refinances, HELOAN, and HELOC’s. Determines loan status and assigns accordingly. Sends initial disclosure and redisclosure package to members via electronic and via regular mail if the member did not accept electronic disclosures. Ensures that all loan files are disclosed timely and meet current Federal, State and NCUA guidelines regarding compliance.
• Initial and Redisclosures
  • Daily email to management with applications received.
  • Purchases with contract – Manually adjust fees according to contract for seller, buyer, lender, or realtor paid fees. If an application is received without a contract – email the loan originator to advise if there is a contract. Send out initial disclosures through USPS or Fed Ex.
  • Purchases without a contract – if an application is received without a contract email originator to advise if there is a contract. If no contract, then manually adjust fees to be paid by the buyer. Send out disclosures through electronic, USPS or Fed Ex mail.
  • Refinances, HELOAN, and HELOCs– review fees and send out disclosures through electronic or USPS mail or Fed Ex mail.
• Member Service
  • Communicate effectively and provide communication support to origination department as needed to ensure all members, internally and externally, receive timely contact. Including but not limited to rate options, appraised value, initial disclosures and application assistance.
• Support Desk Requests
  • Daily completion of Written Employment Verification requests and follow ups from Mortgage Loan Origination and Mortgage Fulfillment.
  • Daily completion of Homeowners & Flood Insurance, Payoffs and Title Order requests and follow‑ups from Mortgage Fulfillment team.
  • Daily review of the Mortgage Support Requests email box to review and upload written verification requests for employment, homeowner's insurance, flood insurance and payoff requests from the Mortgage Loan Origination team and Mortgage Fulfillment.
• Additional Responsibilities
  • Monitors the incoming member documentation via multiple channels, including but not limited to right fax, email, incoming mail, and delivery through mortgage LOS. Review and name unidentified documents to facilitate automated distribution and electronic notification to appropriate mortgage staff of newly received loan file documentation.
  • Participates on the User Acceptance Testing Team for mortgage loan origination systems releases and enhancements related to the origination of mortgage loan applications. Works cohesively with the Mortgage System Analyst as well as other testers to communicate results and proactively recommend improvements that will leverage technology to streamline the mortgage application process.
  • Identify and make recommendations to the VP Mortgage Fulfillment, Mortgage Loan Processing Manager, Mortgage Sales Managers, Mortgage Fulfillment Supervisor,…