Mortgage Loan Processor

Tyndall Federal Credit Union • Remote, FL

8h • Remote

About The Position

Tyndall Federal Credit Union is an established Credit Union based in Panama City, Florida with branches across the Florida Panhandle and South Alabama. We offer our employees a family-orientated work environment with numerous exciting benefits and career growth. We are looking for the next member of our #TeamTyndall family!
Our Mission:Tyndall Federal Credit Union is committed to making a meaningful difference in the lives of our members. We take pride in the great care we offer our members and employees alike!· Our Credit Union serves more than 100,000 members.· We believe in helping our members reach their financial goals and making dreams come true along the way!· We believe having a diverse workforce yields greater innovation, inclusion, and creativity.· Tyndall Federal Credit Union knows the importance of philanthropy in our communities. That’s why in addition to giving back through community service grants and sponsorship, we encourage our employees to volunteer in their community – and get paid while they’re doing it!
This position is a remote opportunity; however, we have a strong preference for candidates who reside within one hour of any of our locations.
Tyndall Federal Credit Union offers an exceptional employee experience that includes comprehensive benefits, a culture of appreciation, flexibility, a family-oriented atmosphere, and rewarding work.

Requirements

• One year to three years of similar or related experience.
• Equivalent to a two-year college degree or completion of a specialized course of study at a business or trade school.
• A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and is usually of a personal or sensitive nature. Work may involve motivating or influencing others. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others.
• Must have good communication skills.
• Ten key calculator, typewriter and keyboard skills.
• Must be able to use Microsoft software and navigate the Internet.
• While performing the duties of this job, the employee is regularly required to use hands, and is required to talk and hear.
• The employee is frequently required to stand, sit, and walk occasionally for long periods at a time.
• The employee may occasionally be required to reach with hands and arms and move objects up to 20 pounds.
• Specific vision abilities required by this job include close vision, peripheral vision, and ability to adjust focus.
• In addition, abilities for assessing the accuracy, neatness and thoroughness of the work assigned is required.
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Responsibilities

• Assist members and all parties involved in the loan process by ensuring all parties are well informed and the loan package is complete and sent to closing in a timely manner.
• Reviews residential loan application files to verify that application data is complete and meets credit union standards; recommends that loans not meeting standards be reviewed or denied.
• Calls specified companies to obtain property title commitment, and flood certification and informs supervisor of discrepancies in loan documents.
• Prepares and submits 1st mortgage and home equity loan application files for underwriting approval once the file is complete and ready to be given to the mortgage loan closer.
• Remains informed of current underwriting guidelines and documentation requirements for all 1st mortgage and home equity loan products.
• Responsible for ongoing member contact, requesting documentation and coordinating closing efforts.
• Keeps the loan originator and all others involved aware of loan status.
• Ensure compliance with all regulatory programs including but not limited to the Bank Secrecy Act, Office of Foreign Asset Control Program and Customer Identification Program.
• Assist other department personnel and performs other duties as assigned.
• Remote employees must adhere to their agreed-upon work schedule from a secure location, participating in virtual meetings, video conferences/other communications, and maintaining regular, responsive communication during working hours.
• Produce loan documents, reports, and new accounts in a timely fashion, with zero errors.
• Compile and prepare files for underwriting, complying with all secondary market guidelines while keeping a detailed record of progress on each file.
• Follow up on necessary documents on a daily basis; appraisals, title work, member documentation, etc.
• Process loans to close within an acceptable time frame, to meet annual department goals.
• Cross sell credit union products and services.
• Maintain a professional work environment and businesslike appearance.
• Maintain working knowledge of all mortgage products and rates, both within the Credit Union and from the industry as a whole.
• Completes required annual mortgage compliance curriculum with a passing grade of 80% or higher.
• Completes required Red Flags Program requirements to include documentation of discrepancy resolution as needed.
• Must pass registration based on the SAFE Act requirements or already be registered.

Benefits

• Family First Leave- Providing 12 weeks of 100% paid bonding time to all Full Time Eligible employees.
• We offer an excellent 401(k) plan with generous employer matching.
• All employees receive 16 paid community volunteer hours.
• Full Time (up to 40 hours per week) positions also offer 11 paid holidays, paid time off, excellent health/vision/dental benefits and more!
• Part Time (up to 35 hours per week) positions are offered 11 paid holidays, and paid time off!

What This Job Offers

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