Mortgage Processor

At American Eagle Financial Credit Union, we’re not just offering you a job; we’re inviting you to join a team who plays a role in enriching the lives of our members and communities to create a world where financial freedom is a reality. Our team is comprised of diverse individuals with unique talents and perspectives.

We emphasize our culture above all else through an inclusive work environment where everyone feels valued, respected and empowered to bring their authentic selves to work. We prioritize the wellbeing of our team members by emphasizing psychological safety and fostering an environment where everyone is empowered as a leader. This ethos is evident in various avenues, including individual teams and specialized groups like our employee-led wellness committee, DEIB council, and One-Team Resource Groups.

In addition, our total rewards package encompasses –

• Competitive compensation packages that reflect your skills and contributions
• Health Benefits (Medical, Dental & Vision)
• A Wellness component to help you stay healthy
• A 401(k)-retirement plan with a match, plus another plan that doesn’t need your contribution
• Time off to relax and recharge
• Financial support for continuous learning
• Individual Development Plans to help you grow in your career
• The opportunity to become involved in community outreach
• Be You at AEFCU through our unique dress code guidelines
• Recognize and be recognized by team members across the organization through various avenues
• Elevate your performance with our tailored incentive plans

If you’re seeking a fulfilling career where you can make a real impact as ONETEAM, then AEFCU is the place for you! Can’t wait for you to join us!

Role-Specific Contributions:

• Mortgage Processing Execution

• Manage loan pipeline, ensuring timely loan processing, proactive and effective member communication and processing of Mortgage and Home Equity Loans.
• Assemble, verify, and maintain precise documentation and collaborate with stakeholders to align on required conditions for final approval.
• Identify potential obstacles early and implement strategic solutions to maintain timeline efficiency.
• Member Service

• Create and promote a Best-in-Class Member Experience by developing and implementing initiatives to enhance the Real Estate Lending experience.
• Address member inquiries about loan status and existing loan questions, providing detailed information on payments, required documentation, and applicable loan conditions.
• Advise borrowers on key aspects of their loans, including interest rates, available products, and required disclosures, ensuring all questions are thoroughly addressed.

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  Regulatory & Compliance Adherence

• Ensure all loans are compliant with federal, state, and local regulations.
• Confirm that all necessary disclosures have been provided to the borrowers within required timeframes.
• Ensure HMDA reportable data is accurately maintained in the Encompass system and verify that all loan information complies with HPML and HOEPA thresholds.

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  Stakeholder Communication & Collaboration

• Proactive focus on fostering positive relationships and embracing collaboration all in support of ensuring a Best-in-Class Lending Experience.
• Liaise with underwriters, loan officers, and closers to resolve any discrepancies or issues before closing.
• Provides high-level support for all internal and external stakeholders, including branch retail staff, borrowers and team members.

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  Process & Efficiency Improvements

• Embraces a continuous learner mindset stays updated with industry changes and innovations.
• Continuously refine processes to minimize delays and enhance workflow.
• Develop and implement process improvement initiatives to enhance the overall efficiency and effectiveness of the lending program.
• Collaborate with cross-functional teams to identify opportunities for automation and digitization of lending processes.

Managerial Responsibilities:

NA

Education and/or Experience:

This role requires Subject Matter Expertise and the ability to provide mentorship, guidance and training to other team members. While this level of expertise will generally be attained with a minimum of 2 to 4 years in a previous mortgage processing role, priority will be place upon the demonstration of the ability to meet qualifications without an absolute focus on duration of experience, in recognition that the attainment of such qualifications may be obtained at different paces by different individuals.

Certificates, Licenses and Registrations (if applicable):

NMLS

AEFCU is an equal opportunity employer Veterans/Disabled