Mortgage Processor

Do you have excellent organization skills? Do you enjoy a fast paced, fun collaborative environment? If you answered yes Summit Credit Union has an opportunity for you. Summit Credit Union is seeking a detail oriented individual to join our mortgage team as a mortgage processor. As a mortgage processor you are responsible for ordering mortgage supportive documentation and verifications, maintaining the tracking function, submitting loan files to underwriters, preparing loan documents, and maintaining member files. Provides support for the Mortgage team by contribution to quality customer service to members as well as internal staff and external customers through support and problem solving on both routine and non- routine aspects of first mortgage. Delivers prompt, courteous, and thorough assistance to members using the telephone, email and other member access points. Essential Functions:

• Analyze new mortgage loan applications for completeness and order required mortgage supportive documentation and verifications per findings or as required by special programs.
• Order verifications, title letter reports/commitments, credit bureau reports, flood determination, mortgage insurance, etc.
• Add Processor Review note-email to Mortgage Loan Officer
• Review constructions docs prior to ordering appraisal
• Process rate lock and extensions.
• Prepare disclosures.
• Review/follow up/clear conditions once file is approved
• Upload documents to loan file and review for accuracy
• Assist Mortgage Loan Officer with any post close conditions.
• Review title work and resolve any issues (encroachments, judgments, liens, etc).
• Review appraisals
• Work with mortgage loan officer, borrower and agencies for various down payment assistance programs.
• Works collaboratively with the Mortgage Loan Officer in facilitating the success of the member experience. Approach to building member relationship reflects SCU’s vision and philosophies.
• Communicated with member and mortgage professionals regarding outstanding items
• Oversee pipeline reporting to loan officers and managers.
• Act as liaison between mortgage loan officers, underwriters and members.
• Answer member inquiries.
• Accurately and Timely maintain mortgage loan application files on origination system. Ensure timely receipt of mortgage documentation in accordance with deadlines and closing.
• Follow-up with vendors to meet various deadlines.
• Track the return of required application documents.
• Take ownership of member situations, corporate goals and philosophy, and Mortgage goals and objectives.
• Forward information and comments regarding specific service suggestions, errors, or complaints to appropriate staff and document the information as appropriate.
• Clearly understand the Credit Union vision, long term goals and incentive goals, and demonstrate the support of these through day to day operations.
• Know both the Credit Union and the Mortgage department annual target and monthly goals for loans.
• Float to other areas of lending to provide support in various functions as needed. Job Requirements:
• High school diploma or equivalent, plus some additional post-secondary technical coursework in real estate or lending or the equivalent work experience.
• Must have or be able to attain a Nationwide Mortgage Licensing System (NMLS) number.
• One year work experience in a mortgage lending environment.
• Professional well developed interpersonal skills essential for interacting with credit union staff and members.
• Work requires ability to work accurately with figures and ability to perform detailed work.
• Requires the ability to follow-up on problems presented to members and co-workers using a customer service approach including use of investigative problem solving.
• Basic to intermediate knowledge of laws and regulations that govern mortgages.
• Intermediate mathematical skills required (calculations and concepts involving decimals, percentages, fractions, etc.).
• Basic knowledge of Microsoft Word, Excel and Outlook. Perks:
• Excellent health, dental and vision insurance.
• 401K with match.
• Onsite 24/7 gym.
• Wellness café
• Paid volunteer time.
• Birthday off.
• Tuition reimbursement and student loan pay back.
• And more! At Summit we cover more ground, give more back and have more fun. Come be a part of something bigger! At Summit Credit Union, we are committed to providing Equal Employment Opportunity regardless of race, color, religion, sex, age, national origin, disability, military and veteran status, sexual orientation, gender identity, marital status or any other characteristic protected by local, state, or federal law. We embrace diversity and believe that inclusion is critical to our success as a credit union. Different makes us better. Employment decisions are made based on qualifications, merit and business need.