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Senior Mortgage Processor

3 months ago

Pensacola, United States Pen Air Federal Credit Union Full time
Company Description

Since 1936 Pen Air® Credit Union has been the catalyst where community, resources, and impact come together and produce a powerful force for good. We have a unique culture and we’re passionate about it. Grown from the values we hold most dear, three guiding principles shape how we see the people we serve, the community around us, and our role within it. These guiding principles are Respect, Service, and Communerosity® and they’re woven throughout our culture.

Pen Air is where people and community, resources and expertise align with your values to create real impact. Generational impact through strong financial education and support. We care about the things you care about. As the largest and oldest credit union in Pensacola, Florida, with more than $3.0 billion in assets, our purpose is to enhance the lives of those we serve from Mobile County, Alabama to Leon County, Florida.

Careers
Do you have a passion for helping others?
Currently, Pen Air provides access to 11 convenient locations in Baldwin County, AL and Escambia and Santa Rosa Counties in Florida. Join us and become a powerful force for good - after all we live, work, and play here too.

Join the team. You’ll fit right in.
Take control of your future by mapping out a career at Pen Air. Working with us means you can shape your professional experience to suit your dreams. We offer valuable resources that provide you the opportunity to build upon and strengthen your skills. Whether it be a career path in advising our members directly on products and services, guiding them through major purchase decisions on a home or vehicle, or even helping build the technology and processes behind the scenes, there is a place for everyone at Pen Air Success looks different for everyone. Where will your journey take you?

The Pen Air difference.
Just like we strive to be a force for good at work, Pen Air works just as hard to supply employees with a total rewards package that includes competitive salaries and meaningful benefits.

Holistic Amenities:
  • Up to $15K available for continuing education
  • Student Loan Paydown
  • Adoption Assistance Reimbursement
  • Wellness Programs
  • Gym membership reimbursement
  • Formal Career Development Resources
  • Financial Wellness Resources
  • Purchase assistance with computers and fitness equipment
Benefits Package Highlights:
  • Generous PTO Plan—20 days for new hires
  • Paid Maternal & Parental Leave
  • Competitive Retirement Plan
  • Competitive medical, dental & vision plans
  • Company paid Telehealth services
  • Company paid Short Term Disability
  • And more……….


The starting salary for this position is $23.22-27.32/hr

Senior Mortgage Processor Role:

Works with Member(s), Mortgage Loan Officer (MLO), Realtor, Builder, Closing Agent to secure a lending decision on an active mortgage loan application and file within 30-45 days on average. Works with closely with our investors to make sure the secondary market loans are cleared for closing and purchase with minimal delays.

Essential Functions & Responsibilities:

45%

Audits the initial residential mortgage loan application and all supporting documents for accuracy and completeness within 2 business days of signed Intent to proceed. Communicates with the Member and MLO what information might be missing or inaccurate to complete the processing of the mortgage loan application for submission to Underwriting for decisioning file. Takes lead on secondary market loans, ensuring the loans are cleared for closing and purchase in a timely manner.

10%

Audits each document for accuracy and completeness as presented and prepares a full review and creation of the Income Calculation used to qualify the loan for decisioning. Ensures that the members receive their appraisals within the allowed given timeline to meet expected closing dates

10%

Mortgage loan application is submitted to Underwriter reviewed by the Underwriter who decisions and sets the necessary underwriting conditions required for a clear to close. Once decisioned the Processor collects and reviews conditions and resubmits Mortgage loan file to Underwriter for final clear to close

5%

Orders all necessary validation documents examples of but not limited to verifications (VOE, VOD, VOM, VOR, Etc.), appraisals, title work, obtains information from builder if builder approval is necessary, flood certifications, Etc. to complete the validation process of the mortgage loan application file.

5%

During the process of ordering, reviewing, and auditing a mortgage loan application does not meet minimum standards the processor will recommend to the MLO and Underwriter the file be denied. Once denied the appropriate process will be following to maintain all regulatory standards.

5%

Audits the mortgage loan application and file before passing the file to the Mortgage Loan Closer to complete the closing process.

5%

Works with the Mortgage Operations Manager to train and mentor other staff member(s) on various concerns that arise to help them obtain their desired individual mortgage career goals.

5%

Works with the Mortgage Servicing team to make sure that all Quality control findings are resolved and cleared on average within 24 hours of notification.

5%

Ensuring all residential mortgage loan applications and files they work on meet or exceed all regulatory, private investor FNMA, FHLMC, FHA, VA, and USDA requirements and guidelines.at every phase of the loan process.

5%

Performs other related duties as assigned. Back up to MLOA and Processors if out or on vacation, required to be cross trained to assist either role.

Performance Measurements:

1.

Reviews and audits initial mortgage loan application file and supporting documents within 2 business days of receipt and communicates all missing or inaccuracies

2.

Processes and closes on average a minimum of 15-20 mortgage loan application files per month.

3.

Provide friendly, accurate, professional service to members and all associated parties each transaction by responding to messages and correspondence within a 24-48 hour timeframe

4.

Maintains knowledge of all PAFCU Portfolio guidelines, FNMA/FHLMC, FHA, VA, and USDA guidelines.

5.

Maintains a working knowledge of all Mortgage regulations including but not limited to CFPB/Dodd Frank, ECOA, Fair Lending, HMDA, Reg B, Reg C, Reg Z, RESPA, and TILA

6.

Develop and maintain knowledge of all mortgage products and rates within the credit union and from the mortgage industry.

7.

Regular reliable attendance.

8.

Demonstrate behaviors consistent with the Pen Air Core Values

Knowledge and Skills:

Experience

Five years to eight years of similar or related experience.

Education

A high school education or GED.

Interpersonal Skills

Work involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others is key at this level. 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.

Other Skills

Must have good communication skills. Ability to operate various business machines, including PCs and appropriate software. Exceptional interpersonal skills and attention to detail.

Physical Requirements

Light or low amount of physical exertion

Work Environment

No adverse environmental working conditions noted.

This Job Description is not a complete statement of all duties and responsibilities comprising the position.