People Helping People - That's The Credit Union Way

Join our team at Beach Municipal FCU! We're looking for passionate individuals who want to make a difference in the lives of our members. Founded in 1970 by dedicated City employees, we’ve grown into a full-service financial institution while staying true to our values of exceptional service. Here, you’ll find a supportive environment and valuable resources to help you thrive in your career.

Job Openings: Mortgage Loan Processor

Announcement Number:	Mortgage Loan Processor
Location of Position:	Beach Municipal FCU
Salary:	Hourly/Non-exempt
Days:	Monday - Friday
Hours:	9am—5pm

Duties:

JOB SUMMARY

Responsible for the processing of loan applications for home equity loan products — Second Mortgages and Home Equity Line of Credit (HELOCs).

KEY RESPONSIBILITIES

Be familiar with loan terms, current lending regulations to include TRID rules, disclosures and other documents and the loan origination system.
Quote loan rates, terms and payments and advise members on home equity products. Quote payoffs of loans to include lien release fees and fee reimbursements where applicable.
Receive and process applications and verify accuracy of all data to include insurance, verification of employment and income and all debts.
Obtain and evaluate credit bureau reports on loan applicants.
Look for lending opportunities to recapture members’ debts financed elsewhere and cross sell credit union products and services.
Order real estate appraisals, flood certifications and tile searches.
Obtain copy of current homeowner’s insurance and flood insurance (if applicable) and ensure mortgagee clause is in favor of BMFCU.
Meet with members to close loans as needed.
Set up individual files for loan applicants within required timeframe and check for compliance.
Work up files for submission to underwriter.
Stack, copy, scan and file mortgage loan files.
Assist potential members seeking home equity loan services in establishing membership.
Record Deeds of Trust using Simplifile.
Refer first mortgage inquiries or applications to CUMA. Assist with any document requests from CUMA.
Review closing packages for accuracy.
Maintain mortgage reports in Company Share.
Maintain an up-to-date knowledge of all credit union products and services. Cross-sell all products and services offered by the credit union to include recapturing loans from other creditors.
Perform other functions as required.

Requirements:

Skills, Knowledge and Experience

Minimum: High school diploma or equivalent.
Minimum of one year as a mortgage loan officer with limited underwiring experience OR three years in mortgage loan processing.
Excellent member service and effective verbal and written communication skills.
Strong cross-selling skills.
A commitment to providing exceptional member service.
Ability to work independently and as part of a team.
Self-motivated with a strong initiative and ability to manage multiple tasks.
Strong knowledge and understanding of financial products and services.
Advanced problem-solving and decision-making capabilities.
Must have basic keyboarding and data entry skills including a working knowledge of Outlook, Word, and Excel.
Dependable and detail-oriented.
Intermediate mathematical skills (calculations and concepts involving decimals, percentages, fractions, etc.).