Home Equity Funder

Space Coast Credit Union•MIRAMAR, FL

2d•$22 - $23•Hybrid

About The Position

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 Home Equity Loan Funder you will support SCCU’s Home Equity and HELOC lending process by ensuring loan closing documents are accurate, complete, and compliant. This role reviews and validates documentation, coordinates loan boarding and disbursements, helps reduce operational risk, and delivers a seamless, positive member experience.

Requirements

1 to 3 years prior processing experience required, experience in consumer or mortgage loan products closing and underwriting experience is a plus. May consider equivalent experience in origination or closing.
NMLS certification is required (National Multistate Licensing System) and must be obtained within the first 90 days of employment.
High School diploma or equivalent required.

Nice To Haves

experience in consumer or mortgage loan products closing and underwriting experience is a plus
equivalent experience in origination or closing

Responsibilities

Finalize legal mortgage transactions by conducting comprehensive reviews of Home Equity loan closing documents to ensure accuracy, completeness, and compliance with all regulatory and company requirements. Confirm that all conditions are fully satisfied prior to boarding the loan.
Execute all boarding activities in a timely manner, including the disbursement of loan proceeds via check or wire in accordance with approved terms, internal controls, and documented procedures.
Ensure all disbursements align precisely with approved loan terms, Closing Disclosure figures and funding worksheets. Maintain proper documentation to support each disbursement and ensure accuracy in financial transactions.
Maintain up-to-date knowledge of federal, state, and internal regulations, policies, and procedures. Consistently apply these standards throughout the loan processing and funding lifecycle to ensure full compliance and audit readiness.
Identify incomplete, inaccurate, or missing documentation within closing packages. Partners with internal teams, processors, title companies, and third parties to obtain timely corrections or additional information.
Track and document recurring issues and operational trends to support continuous improvement initiatives. Provide insights and recommendations to leadership related to training opportunities, process enhancements, and risk mitigation.