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VyStar Credit Union · 4 hours ago

Senior Mortgage Loan Processor

Jacksonville, FL

Full-time

Onsite

Mid, Senior Level

4+ years exp

VyStar Credit Union is a financial institution offering a range of services, and they are seeking a Senior Mortgage Loan Processor. The role involves ensuring members receive quality mortgage loan service, managing the mortgage process, and collaborating with various teams to facilitate smooth loan closings.

AppsBankingFinanceMortgage

Responsibilities

Maintain an active mortgage loan pipeline as assigned

Keep members informed throughout the process

Clear approval conditions as determined by the underwriter

Prepare and maintain electronic notes on file activity and member contact

Assess credit worthiness in compliance with policies and guidelines

Obtain and review documentation for income, employment, and assets

Order and review necessary reports such as credit reports, appraisals, DRIVE report, Fanni Mae Desktop Underwriter, Freddie Mac Loan Product Advisor, title, Flood Certification, and insurance

Ensure all pertinent insurance information is documented

Prepare and submit files for final underwriting decisions

Manage tasks related to member-initiated cancellations and underwriter declinations

Work with loan closers to ensure smooth closing experiences

Ensure compliance with state and federal regulations

Understand and work towards department and Credit Union goals

Consistently follow VyStar's core values and Code of Ethics

Recommend improvements for service and efficiency to management

Maintain high volume productivity

Maintain service level agreements as published by Fulfillment management with member communication, file submission, and timing gates

Develop training for Loan Processors and hold weekly team meetings

Assist with troubleshooting and escalations

Engage in system testing and modifications

Review annual procedures for accuracy

Act as Team Liaison in the supervisor's absence

Mentor mortgage loan processors

Provide technical information and guidance to Mortgage Loan Processors

Perform additional duties and responsibilities as assigned

Qualification

Mortgage LendingNMLS CertificationMicrosoft OfficeRegulatory ComplianceCommunication SkillsAttention to DetailTeam CollaborationIndependent Work

Required

High School Diploma or GED is required

Additional specialized training or classes in mortgage lending beyond high school is necessary

Ongoing education through local workshops and conferences is mandatory to stay updated on federal regulations and secondary market standards

The employee is required to fulfill and uphold all criteria as a registered mortgage loan originator working for a Federally regulated Institution under the Nationwide Mortgage Licensing System and Registry (NMLS)

The employee must comply with all provisions of the Act as defined in the Secure and Fair Enforcement of Mortgage Licensing Act of 2008 (S.A.F.E. Act) and credit union S.A.F.E. Act Procedures

A minimum of four years of experience in a direct mortgage lending and consumer interaction role is required, within the mortgage lending sector

The candidate must possess knowledge and experience in utilizing Microsoft Office applications

Demonstrates strong written and verbal communication skills, active listening, attention to detail, professionalism, and the ability to collaborate effectively across all levels to support seamless team workflows and member engagement

The ability to thrive in a fast-paced environment and a proven track record of collaboration with others is also required

Candidates must be able to work independently at a highly professional level

Preferred

Familiarity with government, construction/reno to perm, conventional and equity loan financing, along with a comprehensive understanding of all regulations related to mortgage lending