Mortgage Fulfillment Specialist

VyStar Credit Union•Jacksonville, FL

7d•Onsite

About The Position

The Mortgage Fulfillment Specialist is accountable for providing support to the Mortgage Origination and Fulfillment Department. A substantial portion of the daily work involves handling confidential and sensitive member information which requires appropriate care. This position must have basic knowledge of financial institution protocol as well as basic knowledge of the mortgage lending environment including federal and state regulations as well as VyStar policies and procedures. The Mortgage Fulfillment Specialist reports directly to the Mortgage Fulfillment Supervisor and indirectly to the Mortgage Loan Processing Manager.

Requirements

High School Diploma or GED required.
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.
2+ years of experience in a role involving direct customer interaction, including product sales, administrative processing, or customer service.
Computer literacy is required.
Proficiency with Microsoft Office applications including Word, Excel, Outlook and Teams.
Ability to manage multiple priorities, strong detail orientation, highly organized with a strong sense of urgency.
Able to work in a fast-paced working environment and work overtime when needed.
Ability to analyze information for preparation of reports and/or other documentation.
The successful candidate for this position must have excellent communication skills and the ability to interface effectively with members and staff to ensure smooth workflow and provide efficient service to members while staying abreast of changing policies and procedures.
Must be able to work independently on a professional level.

Nice To Haves

Experience in a financial institution, preferably in mortgage lending, is preferred.
Prior exposure to the lending processing, familiarity with credit reporting, terminology, evaluation, and interest computation methods is preferred.
Familiarity with conventional and equity loan financing as well as a high-level knowledge of all regulations governing mortgage lending is preferred.

Responsibilities

Monitors VyStar’s online mortgage application system for incoming first mortgage, home equity loan (HELOAN), home equity line of credit (HELOC), land, Construction2Perm, FHA and VA applications daily.
Completes loan file set-up of purchases, refinances, HELOAN, and HELOC’s.
Determine loan status and assign accordingly.
Sends initial disclosure and redisclosure package to members via electronic and via regular mail if the member did not accept electronic disclosures.
Ensures that all loan files are disclosed timely and meet current Federal, State and NCUA guidelines regarding compliance.
Daily email to management with applications received.
Manually adjust fees according to contract for seller, buyer, lender, or realtor paid fees.
If an application is received without a contract – email the loan originator to advise if there is a contract.
Send out initial disclosures through USPS or FedEx.
If no contract, then manually adjust fees to be paid by the buyer.
Send out disclosures through electronic, USPS or FedEx mail.
Review fees and send out disclosures through electronic or USPS mail or FedEx mail
Communicate effectively and provide communication support to origination department as needed to ensure all members, internally and externally, receive timely contact. Including but not limited to rate options, appraised value, initial disclosures and application assistance.
Daily completion of Written Employment Verification requests and follow ups from Mortgage Loan Origination and Mortgage Fulfillment
Daily completion of Homeowners & Flood Insurance, Payoffs and Title Order requests and follow-ups from Mortgage Fulfillment team.
Daily review of the Mortgage Support Requests email box to review and upload written verification requests for employment, homeowner's insurance, flood insurance and payoff requests from the Mortgage Loan Origination team and Mortgage Fulfillment
Monitors the incoming member documentation via multiple (channels, including but not limited to right fax, email, incoming mail, and delivery through mortgage LOS.
Review and name unidentified documents to facilitate automated distribution and electronic notification to appropriate mortgage staff of newly received loan file documentation.
Participates on the User Acceptance Testing Team for mortgage loan origination systems releases and enhancements related to the origination of mortgage loan applications.
Works cohesively with the Mortgage System Analyst as well as other testers to communicate results and proactively recommend improvements that will leverage technology to streamline the mortgage application process.
Identify and make recommendations to the VP Mortgage Fulfillment, Mortgage Loan Processing Manager, Mortgage Sales Managers, Mortgage Fulfillment Supervisor, Processing Supervisor and Closing Manager regarding process improvements, quality member service, and increased efficiencies within the origination and disclosure of mortgage loans.
Responsible for understanding mortgage department goals as well as Credit Union goals and pro-actively works toward attainment of those goals.
All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates.
Demonstrates each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job. Focus – Focus your full attention by carefully listening to and observing your clients or member. Connect – Consistently be friendly and approachable. Demonstrate you care. Understand – Listen empathetically and ask questions (70% to 30%). Counsel – Recommend solutions based on your client’s or member’s needs and objectives. Advance – Ensure that member’s or client’s expectations were exceeded. Verify necessary follow-up actions were completed.