Mortgage Processor II

The Mortgage Processor II is responsible for processing long-term mortgage loans as well as lot, 2nd mortgages and HELOC loans. Conveys policies for extension of credit in accordance with Credit Union and secondary investor guidelines. Serves members and prospective members, developers, and realtors promptly and professionally. Provides general Credit Union information and cross-sells services. Assists Real Estate Lending personnel as necessary.

• Provides members and Real Estate Lending personnel with quality mortgage loan processing according to the credit union's policies, practices, and procedures. Keeps abreast of all Fannie Mae underwriting guidelines as required.
• Prepares loan underwriting package for submission to the underwriter.
• Obtains all needed deposit, income & employment verifications for loan packages.
• Orders appraisals, if applicable, flood determinations, and private mortgage insurance.
• Coordinates communications between members, realtor, attorney, seller, and appraisal management firm.
• Requests payoffs and updated insurance declaration pages showing the desired mortgagee clause.
• Complies with Credit Union Policies and Procedures, as well as regulatory compliance.
• Provides back‑up to other Real Estate Lending staff as needed.

Assumes responsibilities for related duties as required or assigned.

• High school diploma or equivalent
• Knowledge of real estate lending criteria, compliance, and federal/state regulations
• Experience with Calyx Point, Meridian Link/Loans PQ, or Encompass Software

• Excellent organizational, oral, and written communication skills
• Ability to perform in a fast‑paced environment typical of Mortgage Banking
• Experience with Microsoft Word & Excel

bThe contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information.

41 CFR 60‑1.35(c)

• Team Player – Works well as a member of a group.
• Detail Oriented – Capable of carrying out a given task with all details necessary to get the task done well.
• Dedicated – Devoted to a task or purpose with loyalty or integrity.
• Enthusiastic – Shows intense and eager enjoyment and interest.
• Self‑Starter – Inspired to perform without outside help.
• Growth Opportunities – Inspired to perform well by the chance to take on more responsibility.
• Goal Completion – Inspired to perform well by the completion of tasks.
• Ability to Make an Impact – Inspired to perform well by the ability to contribute to the success of a project or the organization.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
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.