Secondary Market Mortgage Processor ( MD, DE, VA, PA, WV, TX, FL, IN, NC)

Educational Systems Federal Credit Union • , OH

6d • $22 - $28

About The Position

Educational Systems FCU has proudly served the education community for over 65 years. With over $1.2 billion in assets and 85,000 members, we're a fast-growing credit union who knows who we are, who we serve, and where we are going. Our core purpose is serving the education community, and we are proud of our values: trustworthy, excellence, collaborative, empowerment and caring. Our vision is to make financial wellness and stability accessible for all the communities we serve. Our success is a result of our Ambassador's commitment to making a difference each day and helping the members of the education community achieve their financial goals and dreams.

Requirements

• High school diploma required.
• Minimum of five years of progressively responsible mortgage processing, underwriting, or mortgage operations experience, including advanced experience with conventional, government, portfolio, and equity loan products.
• Demonstrated experience working with secondary market investors, investor delivery requirements, mortgage insurance providers, and agency guidelines including Fannie Mae, Freddie Mac, FHA, USDA, VA, and other third-party investors.
• Advanced knowledge of mortgage lending regulations including TRID, RESPA, HMDA, ECOA and other applicable compliance requirements.
• Proficiency with mortgage origination/processing systems; Loan Product Advisor or equivalent underwriting software (AUS) and Microsoft Office products.
• Position requires the ability to function independently while exercising sound judgment of lending policies and procedures.
• Proven ability to manage multiple pipelines simultaneously and respond to changing deadlines and priorities.
• This position requires Nationwide Mortgage Licensing System and Registry (NMLS) registration under the SAFE Act of 2008. Must be able to be registered as a Mortgage Loan Originator.

Nice To Haves

• Associate's or Bachelor's degree in business, finance, or related field preferred, or equivalent work experience.
• Experience with Encompass, FICS Loan Producer and MeridianLink Consumer preferred.
• Experience with direct customer service in a financial institution preferred.
• Ability to speak and understand multiple languages a plus.

Responsibilities

• Manages communications with members and potential members during the loan process including providing updates and addressing inquiries.
• Educates members on various mortgage products and the application process.
• Actively uses available resources to enhance the member experience.
• Reviews and processes complex mortgage transactions including conventional, FHA, USDA, VA, portfolio and equity products with minimal supervision.
• Serves as an escalation point for loan scenarios, documentation exceptions, and investor guideline interpretation.
• Performs comprehensive pre-closing and post-closing quality reviews to ensure adherence to investor and regulatory standards.
• Maintains an advanced working knowledge of secondary market requirements, including agency, investor, mortgage insurance and Credit Union guidelines for eligibility, documentation, underwriting, and delivery.
• Ensures compliance with investor overlays, automated underwriting findings, and quality control standards for secondary market execution.
• Assists management with implementation of regulatory changes, investor updates, and process improvements affecting mortgage operations.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED