Mortgage Loan Processor

Description Financial Freedom Happens Here – and it starts with YOU. AtFAIRWINDSCredit Union, we’re more than a workplace; we’re a team on a mission. Join the credit union nationally endorsed by The Dave Ramsey Show, where every day is a step toward financial freedom - for our members and for you. As a Mortgage Loan Processor , you'll play a critical role in helping our members achieve their homeownership goals by guiding mortgage and home equity loans through the processing stage. In this role, you'll review and validate loan documentation, coordinate with borrowers and third-party partners, and proactively manage loan conditions to keep files moving toward a successful closing. You'll serve as a trusted point of contact throughout the lending process, delivering exceptional service while ensuring all regulatory, investor, and underwriting requirements are met. Your Role in Our Mission: Review and analyze loan applications, income, asset, credit, ownership, and property documentation to ensure loan files meet underwriting and product guidelines. Conduct comprehensive pre-underwriting reviews to identify and address potential issues before submission to underwriting. Review credit reports, resolve alerts, verify liabilities, and obtain explanations or supporting documentation as needed. Initiate welcome calls and communications with borrowers, setting expectations and providing ongoing status updates throughout the loan process. Order and monitor appraisals, title work, flood certifications, surveys, and other required third-party services. Review title reports and coordinate with title agents and members to resolve any title or lien issues. Obtain and review verifications of employment, deposits, rent, mortgages, insurance, and other required documentation. Collect, review, and validate documents requested by underwriting to ensure accuracy and completeness. Discuss and lock interest rates for home equity loan products when applicable. Partner closely with loan officers, underwriters, borrowers, real estate agents, insurance agents, title companies, appraisers, and other vendors to facilitate timely closings. Maintain accurate loan documentation and imaging standards to ensure files are complete, compliant, and audit-ready. Monitor loan pipelines and proactively manage deadlines, conditions, and outstanding requirements. What Makes You a Great Fit: Strong knowledge of residential mortgage and home equity lending processes. Understanding of mortgage underwriting guidelines, documentation requirements, and regulatory compliance standards. Ability to analyze income, assets, credit, and property documentation with a high degree of accuracy. Exceptional organizational skills and the ability to manage multiple loan files simultaneously. Strong communication and relationship-building skills with borrowers, business partners, and internal teams. Ability to identify issues, solve problems, and work proactively to keep loans on track. High attention to detail and commitment to delivering an excellent member experience. Proficiency with mortgage loan origination systems and Microsoft Office applications. A Culture of Care and Reward: You give your best, and we give back with a comprehensive and meaningful rewards package: Enjoy 11 paid holidays and generous paid time off to recharge and reset Build your future with a 6% 401(k) match Receive a $700 annual contribution to your Health Savings Account Access our comprehensive maternity leave program to support growing families Stay covered with medical, dental, vision, disability, and life insurance Grow your career through leadership development, tuition assistance, and advancement opportunities Earn rewards for financial wellness through our Debt Free Club and Dave Ramsey’s SmartDollar program Thrive in a purpose-driven, people-first culture where your impact matters This is more than your next job. It’s your next step in changing lives; starting with your own! AboutFAIRWINDSCredit Union AtFAIRWINDSCredit Union, Financial Freedom Happens Here. Headquartered in Orlando and proudly serving members for over 70 years, our mission - changing members’ lives on the journey to Financial Freedom - drives everything we do, with a clear vision: Members financially free. Through TheFAIRWINDSWay, we champion a culture of integrity, accountability, and teamwork, and we’re nationally endorsed by The Dave Ramsey Show as a trusted provider of financial wellness. Recognized as one of Forbes’ 2025 Best-in-State Credit Unions and one of Orlando Business Journal’s Best Places to Work,FAIRWINDSis a top workplace where your purpose matters and your growth is supported every step of the way! Qualifications Skills Preferred Intermediate Verbal Communication Intermediate Time Management Intermediate Data Analysis Intermediate Customer Service Intermediate Critical Thinking Intermediate Attention to Detail Advanced Accuracy Advanced Equal Opportunity Employer This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor. #J-18808-Ljbffr