Mountain America Credit Union · 9 hours ago
Mortgage Loan Coordinator (Spanish Speaking)
West Jordan, UT
Full-time
Hybrid
Entry Level
1+ years expMountain America Credit Union is seeking a Mortgage Loan Coordinator who will work directly with various stakeholders to evaluate loan files and facilitate timely closings. The role involves ensuring compliance with mortgage guidelines, communicating with loan applicants, and managing documentation throughout the loan process.
BankingFinancial ServicesMortgage
Responsibilities
Work directly with Loan Officer, Underwriter, Closer, borrowers, real estate agents, builders, title companies and other third parties to carry out the duties required to evaluate loan files, obtain loan approvals, and facilitate on-time closings
Fundamental understanding of FHA, VA, USDA, Freddie, Fannie and MACU portfolio guidelines and regulations
Communicate regularly with new and active loan applicants to ensure they receive exceptional service throughout the loan process
Calculate and verify income and employment in accordance with Appendix Q, MACU and investor guidelines
Gather and analyze paystubs, personal and business taxes, verification of income/employment, tax transcripts and assess any concerns with income
Complete required income calculation worksheets for salary and self employed borrowers
Analyze calculated income to ensure it meets loan requirements
Demonstrate strong analytical abilities when running and examining automated underwriting systems for Freddie Mac and Fannie Mae (LPA and DU)
Monitor loan officer pipelines and identify alerts requiring disclosures, re-disclosures and other necessary attention to loan files
Identify alerts requiring disclosures, re-disclosures and other necessary attention to loan files and work with loan officer to remedy
Assist in completion of Notice of Incomplete Applications, Withdrawals, and Denials within required time frames
Order appraisal (or AVM) and title report upon receipt of all qualifying documentation and Intent to Proceed
Examine title report, eliminating any risk of junior liens, addressing any shared well, egress issues, ensuring MACU has first position on all title reports as well as verify address, parcel number, and annual taxes for accuracy compared to loan file
Evaluate appraisals for accuracy and compliance with secondary market guidelines, making sure any errors, adjustments, repairs, etc., have been corrected or completed prior to final loan approval
Order Flood Certification, FHA or VA case number, CAIVRS, VOE, VOD, Condo Certification, CC&Rs, Condo Budget, tax transcripts, hazard insurance and subordinations per guideline requirements
Remove unnecessary documents/buckets from eFolder in Encompass to eliminate duplication and determine what missing documentation is outstanding; verify accuracy of received date for documents and correct if needed
Demonstrate understanding of what is required for alerts, warnings and Mavent fails
Confirm loan file has all required documentation and submit to underwriting
Develop and maintain quality timeframes and management of pipeline to achieve and meet required purchase contract deadlines
Within 24 hours of underwriter review, work with loan officer and member to gather and satisfy all required underwriting conditions
Work closely with Mortgage Training Team and Underwriter for assistance in understanding guidelines and program requirement
Run Value Analyzer on all refinance loans
Participate in ongoing training of standard mortgage products (Conventional, FHA, VA, etc.)
Use tools provided to research all loan programs and guidelines, including AllRegs, investor selling guides, MAC, Knowledge Center, MI quotes, Underwriting and Training hotlines, and agency call centers; maintain an active knowledge base of the mortgage loan products MACU offers and an understanding of the qualifications for each program
Understand regulations and requirements for the Secondary Market, NCUA, BCFP, TRID, RESPA, and HMDA
Qualification
Required
One year of experience in a finance related field
High School Diploma or GED
Must be able to qualify for a NMLS number under S.A.F.E Act after hire into position
Courtesy, tact, organization and diplomacy are essential elements of the job
Understand the sense of urgency and how to effectively respond
Demonstrated ability to read and interpret documents such as safety rules, operating and maintenance instruction, and procedure manuals
Demonstrated ability to write routine emails and correspondence
Demonstrated ability to speak effectively with employees, members, or clients
Must have the ability to understand and carry out instructions in written, oral, or diagram form
Ability to deal with problems involving several variables
Intermediate skills in the following: Microsoft Office products including; Word, Excel and Outlook
Uses time and skills effectively to accomplish required work
Ability to follow-through on assignments and responsibilities
Demonstrated dependability toward job and team in regard to attendance, work load and work accomplishment
Demonstrated experience in a customer oriented setting
Demonstrated ability to perform work assignments free from mistakes, errors, or negativity
Ability to use time and resources effectively to accomplish required work, meet deadlines and priorities
Ability to talk, hear, sit, use hands to handle or feel and reach with hands and arms consistently
Close vision (clear vision at 20 inches or less) Distance Vision (clear vision at 20 feet or more)
Frequently lifts up to 10 lbs., occasionally lifts up to 25 pounds rarely lifts up to 100 pounds
Office Type conditions, indoors
Moderate Noise such as in a business office with equipment and light traffic
Preferred
Work in the mortgage industry preferred
Company
Mountain America Credit Union
Mountain America Credit Union is a member-owned, full-service financial institution.
1001-5000 employees
Funding
Current Stage
Late StageLeadership Team
Chad Curtis
EVP/Chief Financial Officer
Nathan Anderson
Executive Vice President/Chief Operating Officer
Recent News
2026-01-06
2025-12-24
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