Mortgage Loan Processor

Relax... Join our Team! Founders Federal Credit Union helps our members attain their financial goals. Our innovative services, convenient locations, and friendly employees are dedicated to our members and their financial future. We are strongly committed to providing the highest level of quality service to our members and recognize that outstanding, dedicated employees make all the difference.

Are you a professional in the financial industry looking for a growing company to advance your career? If so, this position may be the right fit. We are looking for an individual with mortgage or finance experience who desires growth in the mortgage industry. The candidate should bring exceptional multi‑tasking skills, strong communication with members and vendors, and the ability to grasp changing concepts quickly.

The position will be located on‑site at either our Corporate Headquarters in Lancaster, SC or our back‑office operations center in Rock Hill, SC. Remote work is not available at this time.

The primary function of the Mortgage Loan Processor is to serve as the single point of contact for our members throughout the mortgage process and ensure each file is processed in a timely manner with accuracy. They will gather all required documentation, prepare the loan for underwriting, and provide exceptional member service from disclosure to closing, maintaining ongoing communication with all members involved.

They will manage residential real‑estate loan documentation through our systems, reviewing it to ensure completeness and compliance with current regulations.

• Guide all mortgage applicants through the mortgage process by following the communication protocol and follow up with members when needed.
• Verify file information from Mortgage Application Processor and Mortgage Loan Officer.
• Review and confirm submitted interest rates, determine when rates can be locked, and lock application rates when necessary.
• Work closely with Mortgage Loan Officer and mortgage staff to ensure applications are handled professionally and timely.
• Maintain the integrity of all member‑sensitive data.
• Meet all loan conditions from Mortgage Underwriter, track outstanding documents and follow up with members to collect required documentation.
• Ascertain loan file readiness for underwriting and submit files to the assigned Mortgage Underwriter.
• Validate that loan file approval is within lending guidelines.
• Review credit reports for derogatory lines or disputes and other important factors.
• Use Mortgage Bot, Imageflow, and Doc Magic when preparing initial and final mortgage documents.
• Communicate with industry professionals, including appraisers, settlement agents, county clerks, and insurance companies.
• Request a real‑estate appraisal and follow up until received.
• Request preliminary real‑estate title opinion or title commitment and follow up until legal work is received.
• Verify insurance by obtaining the policy copy and confirming policyholder, property address, coverage, dates, and premiums.
• Ensure loan files contain properly signed and dated documents, HMDA, escrow, and other relevant data; upload and index all required documentation into Image Flow.
• Set and confirm closing dates with the member and attorney, updating the SharePoint closing calendar.
• Create a culture of accountability and high productivity, reflecting efficiency and a positive member experience.
• Verify borrower’s verification of employment and verification of mortgage/rent when needed.
• Achieve production goals established by Founders Federal Credit Union.
• Comply with company policies and applicable laws, regulations, and statutes from federal agencies such as NCUA and FFIEC, including GLB and BSA; employees must guard privacy and confidentiality of information.
• All other duties as assigned.

• Two‑year college degree, two years of loan‑processing experience, or two years in a financial institution.
• Excellent organizational, communication, and self‑motivation skills; positive attitude.
• Desire to learn and accept coaching.
• Ability to work efficiently and independently in a fast‑paced environment with strong attention to…