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Mortgage Loan Processor

Mortgage Loan Processor

First Community Credit Union of OregonRoseburg, OR, US
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Job Description

Job Description

Location optional based on branch office space availability.

You are a perfect match for our Credit Union!

The Mortgage Loan Processor position is a key role at First Community and affords a rewarding career with competitive pay and excellent benefits. Opportunities abound to provide exceptional service while promoting our wide array of financial products and services. Employees who are successful in making referrals are eligible for monthly incentives.

Enthusiastic and outgoing individual can showcase their relationship building skills to enhance our customer banking experience. You will join a team of motivated, dedicated, and empowered employees who strive to provide superior service and conduct accurate transactions, while complying with policies, procedures and regulatory banking requirements.

Requirements :

This position requires a High School Diploma or equivalent and a proven track record in customer service. One-year previous experience in the financial services or similar industry required. Previous mortgage experience is preferred.

A successful candidate should demonstrate a positive attitude, professional image, and be self-motivated. They should also have the ability to manage multiple projects and tasks simultaneously with a high degree of accuracy. Oral and written communication skills are vital to success in this position and are required.

Essential Functions :

  • Assist Mortgage Loan Assistants with organization of all files submitted for processing, including all signed paperwork and supporting documentation.
  • Obtain fee quotes from our appraisal vendor and process payment for appraisals.
  • Manage the appraisal ordering, tracking and distribution of reports to borrowers for the entire processing pipeline.
  • Order and update title and escrow services and manage receipt of all preliminary title reports. Request updates to title reports when needed
  • Maintain communication with Mortgage Loan Assistants and alert them to status updates and changes with vendor orders on their files.
  • Order flood certifications and manage the follow up for properties located in flood zones.
  • Manage rate lock queue and lock rates under secondary market guidelines. Re-disclose rate locks following all appropriate federal regulation (TRID, RESPA, etc.).
  • Work with Assistants to clear processing tasks or underwriting conditions as needed.
  • Must demonstrate exceptional judgement, knowing when to escalate issues or concerns on a file to the Loan Assistant or the VP of Mortgage Lending when needed.
  • Adheres to established internal policies and procedures for compliance. Completes required compliance training in a timely manner and complies with all regulations within scope of the position.
  • Adheres to the requirements of the Bank Secrecy Act, OFAC, USA PATROIT Act and anti-money laundering regulations.
  • Accurately completes Currency Transaction Reports, follows internal procedures to report suspicious activity to the BSA Department, and collects required information to comply with the Customer Identification / Due Diligence Program and to meet other record keeping requirements defined by the Bank Secrecy Act.

Base Expectations :

  • Be willing to perform any duty (beyond Essential Functions above) as assigned.
  • Represent the Credit Union with honesty, integrity and trust at all times, and confidentiality is of the utmost importance.
  • Demonstrate a good understanding of the credit union’s loan policy and loan programs.
  • Maintain a general knowledge of all of the credit union’s products and services.
  • Possess a detailed working knowledge of Microsoft Word and Excel software applications that is adequate to perform the duties assigned.
  • Provide exemplary service and foster teamwork throughout the credit union.
  • Ensure good working relationships with Appraisers, Title Companies, Realtors, etc.
  • Communicate effectively and professionally with members, coworkers and management, including verbal and written communication.
  • Support the Leadership Team.
  • Ability to problem solve and make decisions within responsibility level.
  • Maintain punctuality while adhering to the assigned work schedule.
  • Attend all required meetings unless prior approval is granted.

    • Working Conditions :

  • Occasional lifting, carrying, pushing, and pulling of items weighing up to 60 lbs.
  • Potential exposure to the threat of violence at any time.
  • Occasional business travel may be required.
  • Sitting or standing for extended periods of time may be required.
  • Repetitive motions and extensive keyboarding may be required.

    • Company's website : www.myfirstccu.org

  • First Community Credit Union is an equal opportunity employer. We are committed to diversity, equity and inclusion. All qualified individuals are encouraged to apply and will be given full consideration for employment regardless of race, color, age, sex, religion, veteran status, national origin, sexual orientation, disability or any other classification protected by applicable federal, state or local law. Applicants may request reasonable accommodation to participate in the application process. Equal opportunity employer, including protected Veterans and individuals with disabilities.
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    Mortgage Loan Processor • Roseburg, OR, US