Mortgage Loan Processor I Gulfport MS 5171

JOIN THE KEESLER FEDERAL CREDIT UNION TEAM!

Keesler Federal Credit Union team members enjoy competitive salaries and a wide range of benefits, some of which include: Medical, dental, and vision insurance Section 125 Flexible Spending Accounts for Health Care and Dependent Care expenses Employee and Dependent Life Insurance 401(k) Retirement Plan with 100% match on the first 5% contributed by you Paid Leave Tuition Reimbursement and Competitive Scholarships Short-Term & Long-Term Disability Benefits Employee Assistance Program

WE CURRENTLY DO NOT SPONSOR WORK RELATED VISAS

Position :

Mortgage Loan Processor I Department :

Mortgage Loans Reports to :

Mortgage Processing Manager FLSA :

Non-Exempt SUMMARY:

Responsible for all activities required to process mortgage loans from application through closing to delivery on the second market.

SUPERVISORY RESPONSIBILITIES

None

ESSENTIAL FUNCTIONS

Processes all First Mortgage, Second Mortgage, Land Loans and Home Equity applications. Gathers all necessary loan documents and validates accuracy and updates the LOS as needed. Follows up on missing documentation. Orders and reviews all documentation, i.e., appraisal, survey, title commitment, etc., and immediately notifies Mortgage Manager of any irregularities and updates the LOS as needed. Takes necessary follow-up actions to assure receipt of complete loan packages. Assists members, other departments, and department staff with inquiries or problems in a friendly and professional manner and refers more serious matters to the Mortgage Processing Supervisor. Assists others within the Loan Department as directed. Responsible for compliance with all Federal regulations including Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) Ensures compliance with applicable federal, state and local laws and regulations. Complete all required compliance training. Maintains knowledge of and adheres to KFCU's internal compliance policies and procedures. Takes responsibility to keep up to date with changing regulations and policies. Responsible for compliance with all Federal regulations including Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC).

Other Duties and Responsibilities:

Serves as a back-up to the assigned Mortgage Loan Processor, as needed.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education:

High School diploma or equivalent required. Some college desirable or a combination of education and experience which demonstrates the ability to perform the functions of the position.

Experience and Other Requirements:

0-1 years mortgage experience, 0-1 year mortgage loan processing experience or equivalent required. Prefer 1 year experience processing FHA, VA, USDA and Conventional loans. Must exhibit a basic comprehension or arithmetic competency and possess basic clerical skills, including operating a PC. Must possess the ability to meet established productivity standards. Must possess an outgoing personality with a helpful attitude and well developed sales culture attitude toward credit union services and products. Accuracy and attention to details required. Ability to balance and deliver on requests and application processing needs from multiple Loan Originators. Must possess and maintain good interpersonal skills with members and other employees. Must become familiar with all KFCU guidelines, policies and procedures, departments, and their relationship. Must become skilled in Mortgage Loan Systems. Must be capable of communicating with insurance agents, attorneys, appraisers, Realtors, and other vendors that supply services for KFCU mortgage loan department. Must become knowledgeable with all KFCU products and services, in order to cross-sell to members and prospects. Must display a willingness and ability to be cross-trained throughout the department. Must possess an on-going ability to keep abreast of changing policies and procedures. Must maintain confidentiality and display dependability. Overtime may be required as work and circumstances require. Must be able to maintain a minimum pipeline of 30-40 loans without sacrificing performance.

Computer Skills:

Extensive use of personal PC required. Must be proficient in the Lending Operating system. Must be proficient in Microsoft Word, Excel, as well as use of internet and e-mail.

Interpersonal Skills:

Courtesy, tact, and diplomacy are essential elements of the job. Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation.

Certificates, Licenses and Registrations:

Must be able to register under the SAFE Act.

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit, stand and walk; use hands to finger, handle, feel or grasp; reach with hands and arms; and talk or hear. The employee is frequently required to kneel, crouch, or stoop. The employee is occasionally required to lift and/or move up to 10 pounds.

WORK ENVIRONMENT

The work environment characteristics described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Extensive use of desktop computer is required. The noise level is that of a normal office environment.

DECLARATION

The human resources department retains the sole rights and discretion to make changes to this job description.