Secondary Market Specialist

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Full Time Clerical Pensacola, FL, US

30+ days ago Requisition

Salary Range: $22.75 To $26.00 Hourly

Gulf Winds Credit Union offers innovative financial tools that give our members freedom to live life with their finances under control. Since our founding in 1954, we have grown from a single branch in Pensacola, Florida, to a regional institution with over $1 billion in assets and 83,000+ members across Florida, Alabama, and Georgia. From daily banking needs to investment services, our members aren’t treated like an account number, but as part of the family.

We own our decisions and actions by doing the right thing, learning from our mistakes, and taking responsibility.

We help members meet their goals by listening to understand and offering the best solutions, placing kindness above all else.

We set ambitious goals, provide personal development opportunities, and encourage results.

We challenge the status quo to enhance the member’s experience and solve tomorrow’s challenges today.

Working at Gulf Winds is not just a job, it’s a career. We’re hiring collaborative, motivated people who want to love what they do. We are forward-thinking and family oriented. We recognize and reward excellent member service and have fun while working hard. When you join the team, you can expect:

• Open and transparent communication with your leaders
• Consistent coaching and opportunities to improve performance.
• Collaborative and team-focused environments
• Short and long-term professional development
• Opportunity to participate in cross-functional projects.

With you on our team we can achieve our vision of becoming the leading and most trusted credit union on the Gulf Coast.

The Secondary Market Specialist is responsible for ensuring accurate lock management, pricing validation, and timely loan delivery to Fannie Mae under Best-Effort commitments. This role supports the Credit Union’s mortgage pipeline by validating loan officer pricing, protecting the Credit Union from avoidable risk, ensuring profitability, and performing all operational duties required for compliant and timely FNMA delivery. The position also serves as the primary administrator for the Optimal Blue Product and Pricing Engine, ensuring pricing integrity, controlling access to margin and markup settings per leadership direction, and maintaining system accuracy.

This position follows pricing guidance set by Leadership and Finance in alignment with ALCO policies, and does not perform hedging, capital markets activity, or pricing-model development.

20%
Serve as the primary administrator of the Optimal Blue Product and Pricing Engine.

15%
Maintain pricing engine data integrity, ensuring margin/markup settings remain confidential and restricted per leadership direction.

15%
Review lock requests and confirm correct pricing per leadership guidance. Validate fees and pricing for secondary-market and portfolio loans. Process lock extensions, changes, and corrections per policy. Monitor mortgage pipeline data for accuracy and completeness.

15%
Deliver FNMA loans within required timelines and resolve delivery issues. Maintain FNMA Gain-on-Sale dashboard and monthly reporting. Produce reports on pipeline, production, pricing, fee income, and loan delivery.

10%
Provide internal support to loan officers and operations staff.

5%
Assist with validating that the data contained in the mortgage pipeline is accurate, current, and reflects all loans that will ultimately be sold into the Secondary Mortgage Market.

5%
Responsible for providing rate lock support in processing lock requests, publishing of rate sheets of lock changes which may drive a change of circumstances, which will require communication with operations team.

5%
Assist with Construction Perm loan draws updating the M Drive per loan file. Organize Construction Loan and Inspection Reports; collecting and uploading the required supporting…