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Mortgage Processor

Location: Gainesville
Posted on: May 3, 2021

Job Description:

Job DetailsJob LocationFort Clarke - Gainesville, FLDescriptionSUMMARY: Evaluate all information supplied on residential loan applications. Verify, through outside sources, the validity of the information, calculate debt-to-income and loan-to-value ratios and assemble a completely documented file for submission to underwriting for application approval. Performs the following duties in accordance with Florida Credit Union's policies, business-planned goals, and objectives as established by the Vice President of Mortgage Lending by completing the following duties personally.ESSENTIAL DUTIES AND RESPONSIBILITIESResponsible for the functions and duties as follows including but not limited to:Open files: order credit reports and appraisals, send verification forms and conduct regular follow-up with outside sources on outstanding documents.Update Realtors and loan officers on file status.Maintain open communication with applicants throughout the processing period, assisting with any questions and notifying them when additional information is required.Monitor incoming mail and documents for information verifying the data collected by loan officers and ensure compliance with underwriting guidelines.Process requests for extensions to members' commitment in accordance with credit union policy.Complete a final evaluation and analysis of the completed application package and prepare the file for approval, specifying any applicable conditions to the approval. Review the commitment and any additional required disclosures.Coordinate and print submission documents, assemble submission file and prepare file for closing or closing department review.Responsible for notifying member of adverse action taken.Maintain record of all loans in process.Compliance with OFAC, and the Bank Secrecy ActResponsible for working cooperatively with other departments in the credit union as necessary.Responsible for working cooperatively with external parties such as realtors, appraisers, credit agencies, title companies and members as necessary.Responsible for attending staff meetings to stay informed of credit union activities.Regular and predictable attendance.Florida Credit Union is an Equal Opportunity Employer, and takes appropriate affirmative action to insure continuing equality. In order to provide equal employment and advancement opportunities, all of the credit union's recruiting, hiring, training, promotion, discipline, pay decisions, etc., are based on demonstrated ability, interest, experience and job performance. Florida Credit Union does not discriminate in employment opportunities or practices on the basis of race, color, marital status, religion, sex, national origin, age, sickle-cell trait, disability, their status as a disabled veteran or veteran of the Vietnam era, or any other characteristic protected by law.QualificationsQUALIFICATION REQUIREMENTSTo perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.EDUCATION AND/OR EXPERIENCEHigh school diploma; one to three years related experience and/or training; or equivalent combination of education and experience.LANGUAGE SKILLSAbility to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of members or employees of organization.MATHEMATICAL SKILLSAbility to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.REASONING ABILITYAbility to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in limited standardized situations.CERTIFICATES, LICENSES, REGISTRATIONSDriver's LicenseOTHER SKILLS AND ABILITIESWord processingE-mailDatabase softwareWindows NT client/server systemPHYSICAL DEMANDSThe 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 require to stand, use hands to handle, or feel objects, tools, or controls, and talk or hear. The employee frequently is required to walk and reach with hands and arms. The employee is occasionally required to stoop, kneel, crouch, or crawl. Employee frequently required to sit for long periods of time, use telephone and computer and computer related equipment for long periods of time.The employee must occasionally lift and/or move up to 20 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.WORK ENVIRONMENTThe work environment characteristics described here are representative of those an employee encounters while performing 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 occasionally works near moving mechanical parts.The noise level in the work environment is usually moderate.The employee must be able to travel to all branches occasionally and with little notice.

Keywords: FLORIDA CREDIT UNION, Gainesville , Mortgage Processor, Other , Gainesville, Florida

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