Loan Processor III

SCCU Career • Miramar, FL

4h • $25 - $26 • 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 Loan Processor III in our Miramar Operations Center , You’ll be responsible for Home Equity and HELOC loans originated through the Express Services function and ensure a timely closing in order to exceed member expectations; to support all sales efforts of the Express Services staff. Why Join SCCU? Member-Focused Mission: Be part of a not-for-profit organization that reinvests in its members. Hybrid and Flexible Schedule Options: Available for select positions. This position is Hybrid with 2 days per week required in office. Career Growth: We prioritize internal promotions and offer on-the-job training.

Requirements

• Associate’s Degree or completion of specialized course study or equivalent experience.
• 1 to 3 years prior processing experience in consumer loan products or mortgage loan processing experience, closer, or underwriter with an emphasis on conventional loan products.

Nice To Haves

• Bilingual is Prefered

Responsibilities

• Prepares the loan for closing and ensures all closing documents are correct and accurate and are in compliance with government and credit union regulations.
• Ensures that loan approval stipulations are met prior to loan closing, and that third party requests are transmitted and received in order to meet established time standards.
• Resolves member problems, obtains information, researches records, follows up on details, assesses member needs timely and efficiently and reports the results to the inquiring party to develop and sustain profitable member relationship.
• Orders documentation from the borrower, or external sources that are needed, to facilitate a loan decision, including income and asset documentation, appraisals, title work, etc.
• Review asset documentation to insure assets are sourced and seasoned per program guidelines and the borrower has sufficient funds to close the transaction
• Review appraisal and insure it meets loan guidelines and compliance.
• Boards completed loans and disburses funds to member and/or creditors as necessary.
• Answer incoming calls, assist applicants with questions about loan files in process; or re-direct the caller to appropriate staff in other areas of department or the Credit Union.
• Maintain up to date knowledge and adheres to all regulations, policies, procedures and standards that pertain to this position.
• Capable of handling a pipeline of 30-50 loan files, with an average processing time to approval that meets current department goals.
• Communicate with borrower regarding documentation required, file progress, closing arrangements, etc,
• Adheres to established productivity and loan quality standards to meet quality service standards.
• Supports the sales efforts of all Express Services team members by providing the member with appropriate product and service materials in order to enhance the overall SCCU cooperative/member relationship.
• Attendance and punctuality are essential functions of this job.
• Consistently demonstrates a courteous, tactful and professional approach in dealing with members and internal customers in accordance with established customer service standards.
• Demonstrates concern and respect for others in all interactions, and inspires their confidence and trust.
• Demonstrates effective face-to-face communications, and telephone interactions, in accordance with established customer service standards.
• Articulates ideas, including written communications in a clear, concise, and grammatically correct manner.
• Modifies personal style or approach in order to adjust to changing environments and respond quickly to new situations.
• Gives fair consideration to new points of view and reorganizes project/work in order to quickly accommodate urgent tasks.
• Consistently demonstrates self-motivation and independent problem solving skills, requiring only minimal direct supervision, in order to maximize individual productivity and efficiency and attain member satisfaction.
• Proposes enhancements to work methods or procedures in order to improve process efficiency and/or the quality of results.

Benefits

• Health & Wellness: Medical, dental, and vision insurance, plus an Employee Assistance Program.
• Financial Perks: 401(k) match (5%), HSA match, and SCCU-paid insurance (short/long-term disability, life insurance).
• Education Support: Tuition reimbursement after one year of service.
• Generous Time Off: 20+ days of PTO, birthday PTO, and 11 federal holidays.
• Exclusive Discounts: Lower rates on loans, credit cards, and no fee SCCU accounts!

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Associate degree