Realtors/Mortgage Professionals

Upholds the Credit Union's mission of "We do the right thing one member, one employee, and one experience at a time to strengthen the communities we serve" by assisting Mortgage Lenders and Mortgage Underwriters in the origination and processing of mortgages. Creates a smooth and timely transition from application to closing and provides an exceptional experience for our members. Ensures compliance with appropriate regulations, investors, title companies, and Credit Union policy and procedures.
Collaborates with member, lender, realtor, title company, etc to obtain information and documentation to fulfill underwriting conditions. Prepares closing documentation for conventional, portfolio, VA, Home Equity and HELOC loans. Collaborates with title companies to balance and determine final cash to close and wire amount.
Resolves any Post Closing or Audit findings.
Requests and reviews Flood Insurance for adequate coverage and requests corrections when necessary.
Obtain signatures on in house closing documents as needed.
May assist Mortgage Servicing as needed.
Prepares initial disclosures for conventional, portfolio, VA, Home Equity and HELOC loans in accordance with all applicable mortgage regulations for delivery to member.
Evaluate and prepare required redisclosures in accordance with all applicable mortgage regulations for delivery to member.
Orders appraisal, title work, flood determination, child support lien dockets, and OFAC search.
Collaborates with member, lender, realtor, title company and appraisal management company to obtain necessary documentation and information.
Obtains e-consent for electronic files.
Resolves any Post Closing or Audit findings.
Obtain signatures on initial documents as needed.
Helps mortgage lending resolve compliance issues.
Participates in ongoing system testing.
Responsible for following all processes and procedures put in place to ensure mortgage files comply with all mortgage rules and regulations.
Verifies and updates information within Loan Origination System.
Responds to inquiries within timely manner to ensure quality service.
Actively attends meetings and training sessions to remain up to date and be responsible for policies, regulations, procedures, products, and legal requirements, including the Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) policies and regulations.
Ensures accuracy of HMDA data.
Responsible for projects assigned by VP Mortgage Operations, or other leadership team members.
Works within a team of Mortgage Lenders, Mortgage Underwriters, and Mortgage Servicers while developing a good working relationship with their teammates.
Closing and Disclosure Desk responsibilities may be intertwined based on performance and workload.
High School Diploma or equivalent.
Working knowledge of the products, services, and procedures needed to process transactions as normally acquired through six-to-twelve months of on-the-job experience with the Credit Union or minimum of 1 year of mortgage experience.
Ability to operate an on-line computer terminal including a good working knowledge of the core computer system, computer camera, Nautilus, Encompass, Microsoft Office 365, e-mail, copier, scanner and fax machine through on-the-job experience.
Analytical ability necessary to research and process mortgage paperwork from start to finish.
Requires communication/listening skills necessary to effectively obtain necessary information to process mortgage loans.
Ability to project a professional image and practice professionalism in a financial environment.
Fast paced office environment with moderate level of noise.
Frequent use of telephone, scanner, copier, computer, fax machine and other office machines.
Frequent mental and visual concentration.
Capital Credit Union is an Equal Opportunity Employer. Click the Learn more about Capital Credit Union link below for more information, as well as information on employee rights under the Family Medical Leave Act and the Employee Polygraph Protection Act.