Mortgage Processor

Job Description We’re currently looking for an outgoing, dependable, and service-focused Mortgage Processor to join our Real Estate team. In this full‑time role, you will identify the member's financial needs and recommend an appropriate Credit Union solution, assist members with mortgage loan applications, and process and make loan disbursements. You will comply with credit union policies and procedures including BSA, Patriot Act, Privacy Act, Regulations B, CC, D, E, SAFE Act, Truth‑in‑Lending Act, Truth‑in‑Savings Act, CFPB, etc., while being part of our mission: "Making a Positive Difference in our Neighbors’ Lives". Typical working hours : 7:30/8:00 - 4:00/4:30 M-F; late Fridays until 5:00 roughly once per month Work Location : Nashville, Tennessee (this is not a remote position) Essential Functions & Responsibilities 60% – Prepare and supply initial disclosures for submitted applications to members along with a list of required verification documents. Process and order all 3rd party documentation from providers such as flood certificates, surveys if needed, appraisals, etc. Provide status updates to Mortgage Loan Originator (MLO). Prepare mortgage files to be submitted to proper lending authority for approval. Prepare closing disclosures and closing documents once approved. Coordinate with members to schedule closing date/time with member and closing attorney/title company. 20% – Servicing aspects include and not limited to: mortgage loan payoffs, assisting members/employees with questions, assisting in auditing mortgage loan files along with filing/scanning loan folders/documents, filing loan documents with appropriate agencies, tracking receipt of perfected lien documents and/or final title opinions from title companies and register of deeds, and assisting with other tasks as assigned by the Real Estate Manager. 15% – Serve as backup mortgage loan originator; field MLO calls, emails and walk‑ins for mortgage loans; discuss terms and originate mortgage loans when MLO is out of the office or unavailable. 5% – Cross‑sell credit union products and services at every available opportunity. Perform other duties as assigned. Requirements Desired NMLS preferred 2 years mortgage experience preferred Detail oriented, organized, aware of deadlines, self‑sufficient, initiative, independent, thorough, excellent communication (heavy phone/email communication with members) Qualifications High school diploma or equivalent required Able to pass a background check and a drug screen Candidate must successfully pass an employment credit check. Any current delinquencies or bankruptcies still showing on the credit report may result in failure of the check. The review may include, but is not limited to, past due items, late payments, unpaid charge‑offs, collections (non‑medical), judgments, bankruptcies, repossessions, and foreclosures. Benefits Medical, Dental, Vision 401K with Company Match Life (company paid) Short Term Disability (company paid) Long Term Disability (company paid) Telemedicine (company paid) Paid federal holidays Paid Time Off Birthday time off Tuition reimbursement Equal Opportunity Employer: Old Hickory Credit Union does not discriminate against individuals on the basis of race, creed, color, gender, religion, national origin, age, disability, veteran status, pregnancy, marital status, citizenship status, sexual orientation, gender identity, genetic information, or any other classification protected by applicable laws. #J-18808-Ljbffr