Mortgage Processor
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At a glance
Job overview
Blaze Credit Union is hiring a Mortgage Processor. The Mortgage Processor is responsible for accurately processing first and second mortgage loan applications from application through closing. This role ensures loans meet underwriting approvals and secondary market guidelines, prepares disclosures, and collects necessary documentation from members and third parties. The processor also recommends and sells Blaze products, schedules closings, and maintains positive member relationships.
Key focus areas include Process first and second mortgage loan applications accurately from application through closing, Prepare and deliver initial mortgage disclosures within compliance timeline, and Request and collect additional information and documentation from members/potential members.
Successful candidates bring High School Degree Or Equivalent and 2-3 Years Similar Or Related Financial Experience. Important skills include Communication, Microsoft Products, Work In Fast-Paced Environment, Manage Multiple Tasks, Lead Credit Union Department Processes, and Exert Regional Influence. Preferred (not required): Encompass.
Skills & qualifications
Skills
Qualifications
Benefits
Full job description
Job Duties
Role: This position is responsible for processing first and second mortgage loan applications for members and prospective members from application through closing as well as helping the processing manager queue the department's pipeline.
Work Type: Full-time, on-site at our Larpenteur Administrative office in Falcon Heights, MN
Major Duties and Responsibilities
Process first and second mortgage loan applications in an accurate and complete manner to ensure the loan meets underwriting approvals, requirements, and secondary market guidelines.
Prepare and deliver initial mortgage disclosures within compliance timeline.
Request and collect any additional information and or documentation required from the member/potential member during the loan process.
Request and provide if needed required documentation for processing from third parties including but not limited to Appraisers, Loan Officers, Title Companies, and Agents.
Pull tax assessed value, order appraisals, title work, employment verifications, and flood certification.
Verify homeowners’ insurance to ensure it is a current policy, and the member has enough coverage for all loans against their home.
Prepare loan documents and mortgage files for underwriting.
Resubmit loan applications through an underwriting system to score 99% of loans based on verification findings and stipulations being satisfied.
Recommend and sell Blaze products and services to ensure that the member’s financial needs and Blaze’s growth objectives are met.
Complete loan closing procedures to deliver Blaze products and promote positive member relationships.
Schedule closings for purchases, refinances and keep members informed of the status of loan file throughout the closing process.
Prepare final documentation in preparation for loan closing. Complete verbal verification of employment, request updated payoff statements and homeowners’ insurance.
Other Duties
Comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control
Exhibit Blaze’s Core Value’s: Better Lives, Thoughtfully Compassionate, Minnesota’s Best, and Give Back
Regular and predictable attendance
Perform other duties as assigned to support effective department operation.
Minimum Education Required
Minimum High School degree or equivalent.
Minimum Experience Required
Experience/Education/Certifications/Licenses
Minimum High School degree or equivalent.
Minimum 2-3 years similar or related financial experience.
Demonstrated Knowledge
Strong verbal and written communication skills.
Computer skills including Microsoft products.
Ability to work in a fast-paced environment and manage multiple tasks.
Ability to lead credit union department processes; exert regional influence or corporate knowledge sharing.
Knowledge of Encompass a plus.
Shift
First (Day)
Number of Openings
1
Veterans Encouraged to Apply
Yes
Compensation
$25.20 - $30.00 / Hourly
Additional Compensation
Quarterly Team Bonus
Postal Code
55113
Job Type
Full Time
Place of Work
On-site
Requisition ID
26-095
Job Benefits
Low-cost medical (as low as $20 a paycheck), dental insurance, vision insurance, quarterly bonuses, generous vacation and sick time hours, paid leave options, up to 6% 401k contribution, and tuition reimbursement.
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