VyStar Credit Union
Mortgage Fulfillment Specialist
VyStar Credit Union, Jacksonville, Florida, United States, 32290
At VyStar, we offer competitive pay and an excellent benefits package that includes a 401(k) plan, extensive paid technical and on-the-job training, and tuition reimbursement for all full- and part-time employees. Part-time positions start at a minimum of 30 hours per week.
Mortgage Fulfillment Specialist Accountability Statement The Mortgage Fulfillment Specialist is accountable for providing support to the Mortgage Origination and Fulfillment Department. A substantial portion of the daily work involves handling confidential and sensitive member information which requires appropriate care. This position must have basic knowledge of financial institution protocol as well as basic knowledge of the mortgage lending environment including federal and state regulations as well as VyStar policies and procedures. The Mortgage Fulfillment Specialist reports directly to the Mortgage Fulfillment Supervisor and indirectly to the Mortgage Loan Processing Manager.
Essential Responsibilities Quality Control
Monitors VyStar’s online mortgage application system for incoming first mortgage, second mortgage, HELOC, land construction, FHA and VA applications daily.
Completes loan file set‑up for purchases, refinances, second mortgages, TBDs and helocs. Determines loan status and assigns accordingly. Sends initial disclosure and redisclosure package to members via electronic and/or regular mail if the member did not accept electronic disclosures. Ensures all loan files are disclosed timely and meet current federal, state and NCUA guidelines regarding compliance.
Initial and Redisclosures
Daily email to management with applications received.
Manually adjust fees for purchases with contract; if no contract, email loan originator. Send initial disclosures through USPS or FedEx.
Send out disclosures through electronic, USPS or FedEx mail for refinances, second mortgages and HELOCs.
Member Service
Communicate effectively and provide support to origination department to ensure all members receive timely contact, including rate options, appraised value, initial disclosures and application assistance.
Support Desk Requests
Daily completion of written employment verification requests and follow‑ups from Mortgage Loan Origination and Mortgage Fulfillment.
Daily completion of homeowners & flood insurance, payoff and title order requests and follow‑ups from Mortgage Fulfillment team.
Daily review of the Mortgage Support Requests email box and upload verification requests for employment, homeowner's insurance, flood insurance and payoff requests.
Additional Responsibilities
Monitors incoming member documentation via email, fax and mail and facilitates automated distribution to mortgage staff.
Participates on the User Acceptance Testing Team for mortgage loan origination systems releases and enhancements.
Identifies and recommends process improvements to VP Mortgage Fulfillment, Mortgage Loan Processing Origination Manager, Mortgage Sales Managers, Mortgage Fulfillment Supervisor, Processing Supervisor and Closing Supervisor.
Responsible for understanding mortgage department goals as well as Credit Union goals and proactively works toward attainment of those goals.
Maintains vigilance in safeguarding operations while ensuring compliance with regulatory mandates.
Job Qualifications Education
High School Diploma or GED required
Experience
2+ years of direct customer contact experience with product sales, administrative processing or customer service required.
Experience in a financial institution preferably in mortgage lending, preferred.
Prior exposure to lending processing, familiarity with credit reporting, terminology, evaluation and interest computation methods preferred.
Knowledge, Skills, Abilities
Computer literacy required.
Well developed communication and strong Excel skills.
Proficiency with all Microsoft Office applications preferred.
Ability to manage multiple priorities, strong detail orientation, highly organized with a strong sense of urgency.
Able to work in a fast‑paced environment and work overtime when needed.
Ability to analyze information for preparation of reports and/or other documentation.
Excellent communication skills and interface effectively with members and staff to ensure smooth workflow.
Must be able to work independently on a very professional level.
Familiarity with conventional and equity loan financing and high‑level knowledge of mortgage lending regulations preferred.
Assuming prior experience, an incumbent selected for this position would need three months to be fully functional in the position.
Job Disclaimers and Work Environment Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management. The work environment characteristics described are representative of those that 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.
As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects.
Thank you for your interest in this position! VyStar Credit Union Human Resources
#J-18808-Ljbffr
Mortgage Fulfillment Specialist Accountability Statement The Mortgage Fulfillment Specialist is accountable for providing support to the Mortgage Origination and Fulfillment Department. A substantial portion of the daily work involves handling confidential and sensitive member information which requires appropriate care. This position must have basic knowledge of financial institution protocol as well as basic knowledge of the mortgage lending environment including federal and state regulations as well as VyStar policies and procedures. The Mortgage Fulfillment Specialist reports directly to the Mortgage Fulfillment Supervisor and indirectly to the Mortgage Loan Processing Manager.
Essential Responsibilities Quality Control
Monitors VyStar’s online mortgage application system for incoming first mortgage, second mortgage, HELOC, land construction, FHA and VA applications daily.
Completes loan file set‑up for purchases, refinances, second mortgages, TBDs and helocs. Determines loan status and assigns accordingly. Sends initial disclosure and redisclosure package to members via electronic and/or regular mail if the member did not accept electronic disclosures. Ensures all loan files are disclosed timely and meet current federal, state and NCUA guidelines regarding compliance.
Initial and Redisclosures
Daily email to management with applications received.
Manually adjust fees for purchases with contract; if no contract, email loan originator. Send initial disclosures through USPS or FedEx.
Send out disclosures through electronic, USPS or FedEx mail for refinances, second mortgages and HELOCs.
Member Service
Communicate effectively and provide support to origination department to ensure all members receive timely contact, including rate options, appraised value, initial disclosures and application assistance.
Support Desk Requests
Daily completion of written employment verification requests and follow‑ups from Mortgage Loan Origination and Mortgage Fulfillment.
Daily completion of homeowners & flood insurance, payoff and title order requests and follow‑ups from Mortgage Fulfillment team.
Daily review of the Mortgage Support Requests email box and upload verification requests for employment, homeowner's insurance, flood insurance and payoff requests.
Additional Responsibilities
Monitors incoming member documentation via email, fax and mail and facilitates automated distribution to mortgage staff.
Participates on the User Acceptance Testing Team for mortgage loan origination systems releases and enhancements.
Identifies and recommends process improvements to VP Mortgage Fulfillment, Mortgage Loan Processing Origination Manager, Mortgage Sales Managers, Mortgage Fulfillment Supervisor, Processing Supervisor and Closing Supervisor.
Responsible for understanding mortgage department goals as well as Credit Union goals and proactively works toward attainment of those goals.
Maintains vigilance in safeguarding operations while ensuring compliance with regulatory mandates.
Job Qualifications Education
High School Diploma or GED required
Experience
2+ years of direct customer contact experience with product sales, administrative processing or customer service required.
Experience in a financial institution preferably in mortgage lending, preferred.
Prior exposure to lending processing, familiarity with credit reporting, terminology, evaluation and interest computation methods preferred.
Knowledge, Skills, Abilities
Computer literacy required.
Well developed communication and strong Excel skills.
Proficiency with all Microsoft Office applications preferred.
Ability to manage multiple priorities, strong detail orientation, highly organized with a strong sense of urgency.
Able to work in a fast‑paced environment and work overtime when needed.
Ability to analyze information for preparation of reports and/or other documentation.
Excellent communication skills and interface effectively with members and staff to ensure smooth workflow.
Must be able to work independently on a very professional level.
Familiarity with conventional and equity loan financing and high‑level knowledge of mortgage lending regulations preferred.
Assuming prior experience, an incumbent selected for this position would need three months to be fully functional in the position.
Job Disclaimers and Work Environment Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management. The work environment characteristics described are representative of those that 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.
As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects.
Thank you for your interest in this position! VyStar Credit Union Human Resources
#J-18808-Ljbffr