First Mortgage Processor Bilingual Preferred

Suncoast Credit Union; Tampa (FL); Hybrid; USD 50,000 - 64,000; Full time

Benefits offered by this job

Bonus Program up to 12%

401K Matching up to 8%

Retirement Planning

Employee Loan Discounts

Flex Spending Accounts

Paid Holidays

Job summary

Suncoast Credit Union is seeking an experienced Mortgage Processor to handle 1st mortgages, FNMA loans, and various portfolio and investor loans. The role requires attention to detail and strong compliance, with hybrid work in Tampa, FL.

Typical hours align with a Monday–Friday schedule, with some evenings as needed. The candidate will review income documentation, analyze tax and asset information, coordinate with lenders and inspectors, and ensure accurate data entry in the loan system.

Qualifications

• 3+ years of mortgage processing or closing experience.
• Knowledge of regulatory compliance relevant to mortgage processing.
• Ability to communicate effectively with members, staff, vendors, and regulators.
• Flexibility to work evenings and manage changing priorities to meet deadlines.

Responsibilities

• Administer tasks to meet processing conditions for loan approvals per GSE, PMI, FHA, USDA, and guidelines.
• Review documents supporting applications (employment/income).
• Analyze tax returns, assets, payment history and liabilities for accuracy.
• Obtain corrections for discrepancies from the original application.
• Review title commitments, appraisals, surveys, and pest inspections for accuracy.
• Verify hazard and flood insurance coverage.
• Update LOS with verified data to track documents.
• Maintain communication with all parties to meet SLA requirements.
• Conduct calls/electronic communications with applicants per standards.
• Review redisclosures and verify loan amounts, terms, rates, and closing costs.
• Prepare and submit underwriting files per DU/PMI guidelines.
• Compare Loan Estimate and Closing Disclosure for accuracy.
• Document changes of circumstance and closing time frames.
• Monitor pipelines and provide status updates per performance standards.
• Assist service centers with mortgage processing questions.
• Attend educational events to increase professional knowledge.

Skills

Mortgage processing

Regulatory compliance

Attention to detail

Communication skills

Time management

Education

High school diploma

Tools

Desktop Underwriter

Job description

Overview

Salary: $50,000 - $64,000

Location Type: Hybrid, a flexible work model blending in-office and remote working

Position Type: Full Time

Schedule: Monday through Friday, shifts between the hours of 8:00 AM and 6:00 PM

The first Mortgage Processor plays a vital role in improving the financial lives of Suncoast Credit Union members. Key responsibilities include processing 1st mortgages, FNMA, portfolio, construction, and investor mortgage loans. This individual performs all duties in accordance with credit union policies, procedures, and state regulatory guidelines. An ideal candidate is a courteous individual who provides efficient service with the utmost concern for the confidentiality, security, and privacy of member data.

Responsibilities

• Administer tasks to meet all processing conditions associated with the loan approval according to GSE, PMI, FHA, USDA, and credit union guidelines
• Review documents that support application data such as employment and income
• Analyze tax returns, asset documentation, payment history, liabilities, and estate owned to validate accurate information
• Obtain corrections and written explanations for any material discrepancies from the original application
• Review title insurance commitments, appraisals, surveys, and pest inspections for accurate information
• Verify adequate hazard and flood insurance coverage
• Update the loan origination system with verified information and dates to ensure complete and accurate tracking of documents
• Maintain close communication with all parties involved in the mortgage transaction to ensure timely fulfillment of documentation requirements and established SLA’s
• Conduct phone calls and electronic communications with mortgage applicants to answer questions in accordance with established performance standards and benchmarks
• Review redisclosure documents and verify the accuracy of items such as loan amount, loan term, rate, and closing costs
• Prepare and submit completed underwriting files in accordance with guidelines of the Desktop Underwriter, PMI, and other investors if applicable
• Compare the Loan Estimate and draft Closing Disclosure to review items for accuracy
• Ensure changes of circumstance are correctly documented and required closing time frames are met
• Monitor daily pipeline reports and pipeline views to review files in accordance with established performance standards
• Assist service centers with questions regarding mortgage applications in the processing stage
• Attend educational events to increase professional knowledge

Qualifications

• High school diploma or equivalent
• 3+ years of mortgage processing or closing experience
• 2+ years of Fannie Mae experience preferred
• Ability to work evening hours outside of normal operating hours
• Ability to prioritize tasks, deal effectively with competing and changing priorities to meet deadlines
• Accurate, detail-oriented, and organized with task management
• Ability to analyze and resolve routine problems or situations
• Knowledge and understanding of regulatory compliance necessary to successfully perform job responsibilities
• Proficient written, verbal, and interpersonal communication skills to interact effectively with members, staff, vendors, and government regulators
• Ability to communicate information requiring explanation or interpretation
• Ability to work independently and in a team-oriented environment

Safe Act Statement

This position requires the employee to register as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry (NMLS). The employee will obtain a unique identifier from the registry before engaging in mortgage loan originator activities. The employee must maintain and renew the registration on an annual basis, provide updated registration information with the registry on a timely basis, and provide a unique identifier to consumers as required by applicable SAFE Act regulations and Suncoast Credit Union policies and procedures.

Benefits

• Financial Well-Being: Bonus Program up to 12%, 401K Matching up to 8%, Retirement Planning, Pay Increases based on Competency, Employee Loan Discounts, Flex Spending Accounts
• Wellness: Medical Coverage, Dental and Vision Coverage, Access to 4,000+ Gyms, Mental Health Resources, PTO Wellness Days, Short Term and Long Term Disability Coverage
• Work-Life Balance: 11 Paid Holidays, 3 weeks of Paid Time Off, 4 weeks of Paid Parental Leave, Birthday PTO
• Community Involvement: Paid Volunteer Hours
• Growth: Degree Assistance up to $5,000 per year

For more information, including additional benefits, please visit our benefits website at https://careers.suncoastcreditunion.com/benefits

Company Overview

Suncoast Credit Union is consistently chosen as a Tampa Bay Times Top Workplace because its employees genuinely #LOVEWORK! Employees flourish in an inclusive culture celebrating growth and prioritizing the community. Chartered in 1934.

For more information, please visit our careers site at https://careers.suncoastcreditunion.com/