Mortgage Loan Processor

Position Purpose Performs assigned duties with the intent of furthering the interests of the members and TelComm Credit Union. Primary responsibilities include supporting the residential mortgage loan process from application through closing by ensuring accuracy, completeness, compliance, and timely progression of mortgage ?les. This position works closely with members, loan o?cers, underwriters, title companies, appraisers, and third-party vendors to deliver an e?cient and professional mortgage experience while maintaining regulatory compliance and operational quality standards. Job Responsibilities Maintain strong member relationships through exceptional service and communication throughout the mortgage process. Review mortgage loan applications and documentation for completeness, accuracy, and compliance with internal policies and regulatory requirements. Collect, organize, and verify required documentation including income, assets, credit, employment, insurance, title, and appraisal information. Communicate with members, loan o?cers, real estate agents, title companies, and vendors regarding outstanding conditions and loan status updates. Prepare and submit mortgage loan ?les for underwriting review in a timely and accurate manner. Review underwriting conditions and coordinate the collection of required documentation to satisfy approval conditions. Ensure loan ?les meet applicable investor, secondary market, and regulatory guidelines. Coordinate appraisals, ?ood determinations, title work, veri?cations, and other third-party services as needed. Monitor pipeline deadlines to ensure timely closings and compliance with disclosure requirements. Prepare and review closing packages for accuracy prior to funding. Maintain accurate records within the loan origination system and electronic imaging systems. Assist with post-closing follow-up and trailing documentation when needed. Respond to member inquiries regarding mortgage loan status, documentation, and process expectations. Cross-sell mortgage-related and other credit union products and services when appropriate. Maintain con?dentiality of member ?nancial information at all times. Other duties as assigned. Quali?cations High school diploma or equivalent required; associate or bachelor's degree preferred. Previous mortgage processing, lending, banking, or ?nancial services experience preferred. Working knowledge of residential mortgage documentation, compliance requirements, and lending terminology preferred. Strong organizational skills with the ability to manage multiple ?les and deadlines simultaneously. Strong attention to detail and accuracy. E?ective verbal and written communication skills. Ability to work independently while contributing to a team-oriented environment. Pro?cient with Microsoft O?ce products and mortgage loan origination systems. Physical Requirements General O?ce Duties Ability to sit or stand at a desk for prolonged periods of time (up to 8 hours per day). Regular use of a computer and o?ce equipment (e.g., phone, printer, copier). Manual dexterity required for typing and data entry. Physical Activity Occasional walking, bending, or reaching. Ability to lift and carry ?les, documents, or o?ce supplies weighing up to 20 pounds. Vision and Hearing Clear vision required to read ?nancial documents, computer screens, and other o?ce materials. Hearing ability su?cient to hold conversations over the phone and in person. The TelComm Promise TelComm Credit Union is a people-minded ?nancial institution who truly understands that no matter how big we get we are still people helping people. We know the people who work for us are by far our biggest asset and vital to our continued success. We want to help you help others. At TelComm we Communicate Respectfully, Foster Unity, Serve Compassionately, Act with Integrity, Radiate Positivity, and Cultivate Growth and Learning. Those are the core values most important to us. Keeping promises is also important to us and, as a company, we make a promise to all associates… To empower you . Your education, experience, and life knowledge will all be drawn from in your day-to-day activities, and regardless of how much or how little you believe you have - we want to build on it. Once hired into a position, we will train you to know how to do what we do. We promote goal setting and career development as a shared responsibility and will provide the knowledge and resources needed on your path to success. We have classes explaining the basics to the not so basics. And will do one on one training when needed. You will have hands on help until there is con?dence on both sides. We believe in cross training into di?erent departments. Nothing is beyond your reach here. All of our executives were once front line or entry level workers who were promoted so we know talent can and will be found at every level. To do the right thing for you . Our CEO evaluates our pay structure regularly to ensure we stay competitive, our bountiful bene?ts include paid medical after 30 days, generous PTO which begins accruing on your ?rst paycheck, 11 paid holidays per year, a 401k retirement with matching funds•, pro?t sharing, tuition reimbursement, business casual dress code, and jean days. We respect your life outside of work and want you to have a positive life work balance. Schedules are given in advance and meetings are scheduled with ample time to prepare. To strive for open communication . Our interviews are designed to not only determine if you can do the job, but for you to come in to see if we will ?t well together. Interview us as much as we interview you. Each of our managers have their own management style or leadership philosophy and can describe it—including how they give feedback, what the performance review process is like, and the challenges you may face in the position. Ask them about it. Ask them about anything. Feel free to talk to other associates and ask them questions as well. We strive for open communication across all departments and levels. We want you to feel comfortable and con?dent in your position. Our meetings are designed to give all associates access to the information necessary to thrive.