Loan Processor III (2nd Mortgages/Home Equity)

Space Coast Credit Union • Miramar, FL

361d • $23 - $25 • Hybrid

About The Position

Space Coast Credit Union (SCCU), the 3rd largest credit union in Florida, is looking for a Loan Processor III (2nd Mortgages/Home Equity) to join our ONESCCU team at our Miramar Operations Center! SCCU has been in business for over 70 years, has over 8 billion dollars in assets and WE ARE GROWING! Our Members are our top priority and we stand behind our Brand Promise: Honest People, Trusted Products, Time Valued. We offer a rich benefits package and career advancement opportunities.

Requirements

• 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.
• Associate's Degree or completion of specialized course study or equivalent experience.
• Maintains up-to-date knowledge, understanding and documentation of required State and Federal guidelines related to mortgage lending.
• Required to register with NMLS and adhere to the procedures and policies of the SAFE Act.

Nice To Haves

• Bilingual is Preferred.

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 effective face-to-face communications, and telephone interactions, in accordance with established customer service standards.
• Modifies personal style or approach in order to adjust to changing environments and respond quickly to new situations.
• Consistently demonstrates self-motivation and independent problem solving skills, requiring only minimal direct supervision.

Benefits

• ONESCCU annual bonus available!
• Hybrid Work Schedule after training - Work from home up to 3 days a week.
• Medical, Dental & Vision Insurance.
• HSA (Health Savings Account) with SCCU matching contribution.
• SCCU Paid Long Term and Short Term Disability coverage.
• SCCU Paid Term Life Insurance.
• Employee Assistance Program (EAP).
• Paid Time Off.
• 401(K) Pre-Tax Savings Plan with SCCU match- 100% of the first 5% of employee contributions.
• Tuition Reimbursement Program after 1 year of service.
• Loan Discounts - Mortgage, 2nd Mortgage, Auto, Motorcycle, Boat, etc.
• Fixed low-rate credit card- 5.99%, if approved.
• FREE Identify Theft Protection!
• No fee SCCU accounts.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Industry: Credit Intermediation and Related Activities
• Education Level: Associate degree
• Number of Employees: 501-1,000 employees