Mortgage Lending Processor II

EFCU Financial – Make a Difference Every Day EFCU Financial isn't just a great place to work - it's a place where you can create meaningful impact. As one of the Best Places to Work in the Greater Baton Rouge Area, we are driven by our core values of integrity, innovation, inclusion, and service. These values guide everything we do from empowering our members to uplifting our community and supporting one another as a team. When you join EFCU Financial, you're not simply starting a job. You're stepping into a mission-focused environment where helping people achieve financial freedom, build brighter futures, and find peace of mind is at the heart of every interaction. Every conversation you have, every solution you provide, and every idea you share contributes to making a real difference. We proudly offer a comprehensive benefits package designed to support your health, financial well-being, and work-life balance. Benefits include medical, dental, and vision insurance; paid time off and holidays; parental leave; a 401(k) with employer contributions; short- and long-term disability; life insurance; an HSA; pet insurance; team member loan discounts; incentive plans; an employee referral program; and service awards recognizing your dedication. The Mortgage Lending Processor II answer questions from members on real estate loans and rates. Gather and analyze financial information on members for the purpose of determining qualifying status for mortgage loans. Interview for routine loans and/or obtain additional loan information. Review and verify all loan documents for accuracy and completeness. Coordinates the mortgage lending closing process and ensures all documents meet government compliance standards and the Credit Unions Policies and Procedures. Process Conventional, Land, and In-house product mortgages proficiently. Process Federal Housing Administration (FHA), Veterans Affairs (VA), United States Department of Agriculture (USDA)/ Rural Development (RD) mortgages with guidance. Cross-train in one other area of the Mortgage Lending Department. Perform various other duties that may be required by the Senior Vice President of Mortgage Lending. Duties and Responsibilities: Reviews loan applications on first mortgages submitted by Mortgage Lending Originator for any omitted information and completeness. Conduct loan interviews with members and request any additional information/documentation needed. Obtain and review all signed applicable disclosures for accuracy and to make sure they meet all federal/state, agency, and credit union regulations. Lock loan in with investor according to loan specifics and current rate. Edit the lock if any change of circumstance occurs or any terms change. Process loan application to include verification of employment, deposit accounts, and all liabilities in order to prepare application of verified information according to all agency or credit union guidelines. Check credit report to determine credit worthiness of applicant based on industry standards and EFCU Financial Lending Policies. Ensure that loan has been submitted to automated underwriting system, if applicable. Make final changes and rerun for final approval. Request appraisal from appraisal management company and evaluate real-estate appraisal to ensure proper guidelines are followed and final value is properly determined. Submit file to the Vice President of Mortgage Lending or investor underwriter as required by the specific loan program for underwriting and approval. Obtain any prior to closing conditions as set forth by underwriter. Request flood certification to determine if property is or is not in a flood zone. Order and review title work from attorney/title company to ensure clear title. Obtain copy of current homeowner's insurance and flood insurance (if applicable) and make sure mortgage clause is in favor of Credit Union. Schedules the closing between the borrower and the closing agent/title company. Performs all duties and responsibilities in other cross-trained areas of the department as back-up. Work closely with all other teams in the Mortgage Lending Department and back-up one another. Cross-sell lending products and other Credit Union services when appropriate. Assist in other assigned duties. The starting rate is between $21.17 - $26.47 per hour based on experience. Requirements: Critical Knowledge, Skills, and Educational Requirements: High School Diploma or equivalent. Two to five years of mortgage lending closing experience. Must be eligible to register with the Nationwide Mortgage Licensing System & Registry (NMLS) and must maintain registration with NMLS as a registered Mortgage Loan Originator (MLO). Strong loan documentation and regulatory compliance background is necessary including knowledge of title requirements. Knowledgeable of Fannie Mae, Freddie Mac, FHA, VA, and USDA/RD lending guidelines. Knowledgeable of Regulatory Compliance Requirements of a Depository Financial Institution. Must be able to work accurately and efficiently in a fast-paced environment. Experience in good customer relations. Excellent telephone etiquette and verbal communication skills. Excellent interpersonal skills. Exceptional organizational skills. Must be dependable and reliable. Must pass all credit and bond requirements. In depth knowledge of Credit Union products and services is a plus. Physical Requirements: The physical demands described here are representative of those that must be met by a team member to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Normal office environment where there is little discomfort or exposure to hazards due to temperature, dust, noise, etc. While performing the duties of this position, the team member is regularly required to walk; use hands and fingers, reach with hands and arms. The team member consistently is required to stand and sit, view computer screen, talk and hear, and at times may lift/move up to 10 pounds.