Loan Processor III; 2nd Shift

Location

BAYTREE HEADQUARTERS
8045 North Wickham Road
Melbourne, FL 32940, USA

At Space Coast Credit Union (SCCU), our members are at the heart of everything we do. Since 1951, we’ve been committed to delivering financial services founded on integrity and a people-first philosophy.

As a Loan Processor III at our Melbourne Headquarters location, you will be responsible for Home Equity and HELOC loans originated through the Express Services function and ensure timely closings to exceed member expectations and support all sales efforts of the Express Services staff.

• Prepares the loan for closing and ensures all closing documents are correct and accurate and are in compliance with government and credit union regulations.
• Ensures that loan approval stipulations are met prior to loan closing, and that third‑party requests are transmitted and received in order to meet established time standards.
• Resolves member problems, obtains information, researches records, follows up on details, assesses member needs timely and efficiently, and reports the results to the inquiring party to develop and sustain profitable member relationships.
• Orders documentation from the borrower or external sources that are needed to facilitate a loan decision, including income and asset documentation, appraisals, title work, etc.
• Reviews asset documentation to ensure assets are sourced and seasoned per program guidelines and the borrower has sufficient funds to close the transaction.
• Reviews appraisal and ensures it meets loan guidelines and compliance.
• Boards completed loans and disburses funds to member and/or creditors as necessary.
• Answers incoming calls, assists applicants with questions about loan files in process; or redirects the caller to appropriate staff in other areas of the department or the Credit Union.
• Maintains up-to-date knowledge and adheres to all regulations, policies, procedures and standards that pertain to this position.
• Capable of handling a pipeline of 30‑50 loan files, with an average processing time to approval that meets current department goals.
• Communicates with borrower regarding documentation required, file progress, closing arrangements, etc.
• Adheres to established productivity and loan quality standards to meet quality service standards.
• Supports the sales efforts of all Express Services team members by providing the member with appropriate product and service materials to enhance the overall SCCU cooperative/member relationship.
• Attendance and punctuality are essential functions of this job.
• Consistently demonstrates a courteous, tactful and professional approach in dealing with members and internal customers in accordance with established customer service standards, demonstrates concern and respect for others in all interactions, and inspires their confidence and trust.
• Demonstrates effective face‑to‑face communications and telephone interactions in accordance with established customer service standards, articulates ideas, including written communications, in a clear, concise, and grammatically correct manner.
• Modifies personal style or approach to adjust to changing environments and respond quickly to new situations, gives fair consideration to new points of view and reorganizes project/work to quickly accommodate urgent tasks.
• Consistently demonstrates self‑motivation and independent problem‑solving skills, requiring only minimal direct supervision, to maximize individual productivity and efficiency and attain member satisfaction. Proposes enhancements to work methods or procedures to improve process efficiency and/or the quality of results.

• Associate’s Degree or completion of specialized course study or equivalent experience.
• 1 to 3 years of prior processing experience in consumer loan products or mortgage loan processing experience, closer, or underwriter with an emphasis on conventional loan products.
• Bilingual preferred.

• Health & Wellness:
  Medical, dental, and vision insurance, plus an Employee Assistance Program.
• Financial Perks: 401(k) match (5%), HSA match, and SCCU‑paid insurance (short/long‑term disability, life insurance).
• Education Support:
  Tuition reimbursement after one year of service.
• Generous Time Off: 20+ days of PTO, birthday PTO, and 11 federal holidays.
• Exclusive Discounts:
  Lower rates on loans, credit cards, and no‑fee SCCU accounts.

• Monday – Friday: 10:00 – 19:00
• Rotating Saturdays: 09:00 – 15:00

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.