Mortgage Lending Processor

Publix Employees Federal Credit Union; Lakeland (FL); On-site; USD 55,000 - 75,000; Full time

Benefits offered by this job

Competitive pay

Performance incentive

No-cost employee health coverage

Work-life balance

Job summary

Publix Employees Federal Credit Union is seeking a Mortgage Lending Processor in Lakeland, FL. The role focuses on processing mortgage applications and preparing TRID disclosure packages with minimal tolerance cures, while triaging data in the loan origination software to ensure accuracy.

The candidate will obtain required underwriting documents, verify title commitments, and maintain communication with loan advisors to ensure smooth processing.

Qualifications

• 1 year of relevant mortgage lending experience.
• High School Diploma or equivalency.
• NMLS license or ability to obtain within 30 days of hire.
• Proficient with MS Word, MS Excel and Outlook and mortgage origination systems.

Responsibilities

• Obtain and track documentation for loan underwriting and follow up on missing documents.
• Review title commitments and coordinate with title company to resolve issues.
• Verify conditions and move files to final underwriting with updated borrower documentation.
• Process appraisal and credit report fees in Core or third-party systems.
• Maintain communication with loan advisors to ensure coordination throughout the loan process.
• Index and image loan documents accurately.
• Order essential documents (title, appraisal, VOE).
• Prepare, generate and disclose initial loan disclosures with minimal tolerance cures.
• Review property details and obtain latest tax statements when applicable.
• Collaborate with closing attorneys, title companies, and internal departments for timely processing.
• Input data into loan origination system for accuracy.
• Provide in-person and phone support for members.
• Follow lending policies, guidelines, and compliance with regulations.

Skills

Communication

Multitasking

Attention to detail

Education

High School Diploma

NMLS license (or eligible)

Tools

MS Word

MS Excel

Outlook

Loan Origination Systems

Job description

Lakeland Branch/Corporate Office
Lakeland, FL 33815, USA

Description

Publix Employees Federal Credit Union (PEFCU) was established over 60 years ago to provide financial services with lifetime value to Publix Super Markets, Inc. employees and their families.

• Medical, Dental and Vision insurance plans with one option at NO cost for employee only coverage!
• Generous Paid Time Off program (approximately 3 weeks a year)
• 11 paid holidays per year
• 401(k) retirement plan and profit sharing
• Pay for performance incentive programs
• Time off for giving back to your community!
• And much, much more!!!

We are committed to improvement, driven by feedback, and focused on organizational growth. We expect and demonstrate our values (Integrity, Collaboration, Service, Inclusion and Ownership)every day, creating an environment where all associates can add value and feel valued.

Find your value here as a ...

The Mortgage Lending Processor is responsible for processing all mortgage applications as well as prepare, generate, and disclose mortgage TILA-RESPA Integrated Disclosure (TRID) packages with minimal tolerance cures. Additionally, this position is responsible for triaging applications within the Loan Origination Software to ensure the most accurate data has been collected and is entered appropriately to align with the mortgage programs.

What you will do…

• Obtain and track all necessary documentation required for loan underwriting; follow up on missing documents.
• Review title commitments to ensure a clear title, collaborating with the title company to resolve any outstanding issues.
• Verify all conditions and requirements are met to move files to final underwriting, and update loan files with new documentation from borrowers.
• Process appraisal and credit report fees using the Core system or third-party system.
• Maintain ongoing communication with loan advisors to ensure seamless coordination throughout the loan process.
• Index and image loan documents accurately.
• Order essential documentation such as title, appraisal, and verification of employment (VOE).
• Prepare, generate, and disclose initial loan disclosures accurately and within compliance, based on the loan advisor’s information, minimizing tolerance cures.
• Review property details (e.g., HOA dues, county taxes) through Zillow or other relevant sources and obtain the latest property tax statements when applicable.
• Collaborate with closing attorneys, title companies, and internal departments to ensure timely and accurate loan processing.
• Review and input data into the loan origination system to ensure accuracy.
• Provide in-person and phone support for members.
• Follow all lending policies, guidelines, and procedures. in accordance with organization standards, as well as state and federal regulations and compliance requirements

What you need…

• 1 year of relevant experience.
• High School Diploma or equivalency
• NMLS license or ability to obtain an NMLS license within 30 days of hire
• Be proficient in MS Word, MS Excel and Outlook, mortgage origination systems.
• Ability to work effectively and independently in a high-pressure fast paced environment.
• Proficient in Loan Origination Software systems
• Possess excellent communication skills, both oral and written and must have the ability to handle multiple projects at one time and see them through completion with a sense of urgency.
• Committed to providing an exceptional member service experience
• Knowledge of the Bank Secrecy Act and other federal laws, including but not limited to: US Patriot Act, Office of Foreign Assets and Control, Anti-Money Laundering, Right to Financial Privacy Act, and the Bank Bribery Act

What’s in it for you…

• Competitive pay
• Pay for performance incentive program
• Medical, Dental and Vision insurance plans with one option at NO cost for employee only coverage!
• Work/life balance

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.