Position Summary

Champions Orlando Credit Union’s Mission, Vision, and Values always endeavors to ensure that the organization is achieving its mission to build lifelong relationships with each member, internally and externally, by empowering their financial momentum. Provide complete processing of all aspects of real estate lending, (including both conventional mortgage originations, as well as both closed end and open ended second mortgages), from application to post-closing/funding, ensuring compliance with credit union policies, procedures, and government regulations.

Essential Duties and Responsibilities 

• Process applications from loan originators. Gather and compile required information as needed for the loan file including but not limited to income documentation, financial information, insurance verification, credit items, etc. Order/review all searches (i.e. appraisal, title, flood, tax certificate, etc.). Verify figures as submitted by Loan Originator and validate support documentation. May be responsible for ordering additional verifications including employment, rent, etc. 
• Submit completed applications to underwriting. Clear conditions and schedule loan closings according to timeframes as prescribed by purchase contract and or reasonable timeframe for refinances. Review title and appraisal for accuracy and follow all regulations and guidelines established by Credit Union guidelines, secondary market and investor guidelines and regulations established by State and Federal law. Work directly with realtors, title agents, insurance providers and the members to coordinate timely closings.
• Review final HUD for accuracy and provide members with updated disclosures, appraisal, and any other information as it applies to coordination of preparing the loan to close. Review final closing docs for funding approval and provide funding authorization to closing table. Follow up post-closing to ensure that all documents have been recorded properly and received by the CU. Provide final loan package to compliance for QC review. 
• Post-Closing, the processor will board the loan onto the core system, according to the terms as agreed by the applicants in their loan disclosures.
• Must present a professional image and proper personal appearance according to Credit Union standards. Must be able to communicate professionally via phone/email/in person with Applicants. Members, OCU Personnel, and Vendors.

• May perform other duties as assigned.

Education

• High School graduate or equivalent
• At least 3 years mortgage processing experience and 3 years Member Relations or related experience / displaying accuracy, professionalism, courtesy, and knowledge of applicable Federal Regulations.

Skills 

• Demonstrated verbal and written communications skills.
• Demonstrated telephone etiquette skills.
• Advanced level data processing and Word knowledge (required).
• Basic level Excel knowledge (required).
• Demonstrated ability with Calyx Point or similar loan origination platforms. 
• Demonstrated ability with Episys Quest (Symitar) (preferred).
• 10-key adding machine (minimum) or HP-12c Financial Calculator (preferred).
• Fluent in Spanish is helpful but not required.
• Must be able to read and interpret general policies and procedures and/or government regulations.
• Must have the capacity to resolve outstanding issues based on level of authority or knowledge
• Must be highly organized and have the ability to handle multiple files concurrently. 
• Must be highly motivated and display effective oral and written communication skills.

Abilities & Additional Requirements

• Provide effective solutions to problems
• Ability to read, speak, and write in English proficiently; speak effectively to team members and vendors in person and over the phone.
• Ability to add, subtract, multiply, and divide using whole numbers, common fractions, and decimals
• Ability to use calculators for all mathematical functions.
• Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
• Ability to define problems, collect data, establish facts, and draw valid conclusions.
• Ability to communicate effectively with a diversified membership field. 
• Ability to handle multiple priorities in a fast paced, team player, environment.
• Ability to prioritize workload, maintaining the integrity of confidential member information.
• Ability to create/maintain departmental reports.

**Salary is based on experience.

Job Type:  Full Time

• Working onsite (office)

Benefits: 

• Medical insurance
• Dental insurance
• Vision insurance
• Paid Life insurance
• 401(k) with company match
• Paid time off
• Paid holidays
• Employee discounts
• Tuition Reimbursement Program
• Professional Counseling & Family Support
• Additional benefits

Physical Functions: Physical requirements involve performing general office activities. This role will require you to regularly sit and talk for long durations. The role will also frequently walk, reach with hands and arms, and will occasionally lift up to 25 pounds.

Working Environment: Normal climate-controlled office setting with moderate noise. This job operates in a clerical office setting and routinely uses standard office equipment such as computers, phones, photocopiers, and filing cabinets.

To perform this job successfully, an individual must be able to satisfactorily perform each essential duty with or without accommodation. The requirements listed above are representative of the knowledge, skill, physical demands and /or ability necessary to achieve success in this role. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Link: Accommodations | U.S. Department of Labor (dol.gov)

Orlando Credit Union is an equal opportunity employer. OCU prohibits discrimination and harassment of any type and affords equal employment opportunities to employees and applicants without regard to race, color, religion, sex, sexual orientation, gender identity or expression, pregnancy, age, national origin, disability status, genetic information, protected veteran status, or any other characteristic protected by law.