Mortgage Loan Coordinator II

• A mortgage pro who loves details and deadlines, and takes real pride in getting loans to the finish line smoothly and accurately
• A clear, confident communicator who enjoys guiding borrowers and partners through the closing process with professionalism and care
• A go to teammate and problem solver who thrives in a fast paced environment and is ready to lead, support, and elevate the loan coordination process

• Coordinating disclosures, documentation, and third party reports to ensure loans meet all requirements from application through funding
• Preparing, reviewing, and managing closing and funding activities, including quality control, wires, and system updates
• Leading and supporting the coordinator and post closing pipeline, maintaining procedures, assisting with projects, and escalating risks as needed

Why Join Us:

• Heritage Family Credit Union is a dynamic and member-centric organization committed to making a positive impact on the lives of our members. We believe in delivering not just financial services but fostering meaningful relationships that enhance the overall well-being of our members and communities. With a focus on education, integrity, and community, we strive to be the preferred financial partner for our community.
  • Benefits Include:
    • Paid time off in addition to paid federal holidays
    • Medical, dental, and vision benefits to employees who regularly work 24+ hours a week
    • 401k match
    • Ongoing training opportunities
    • 8 hours of volunteer time with an organization important to you
    • Reimbursement each month for Gym membership (up to $25), hobby reimbursement (up to $25) and fresh local foods (up to $25 on a seasonal basis)

Salary Range: $23.09 - $28.86 per hour

Position Title: Mortgage Loan Coordinator II

FLSA Status: Non-Exempt

Department: Mortgage Lending

EEO Code: Administrative Support Professionals

Reports To: VP Mortgage Lending

Grade: 8

Summary:

The Mortgage Loan Coordinator II supports the processing, closing, and funding of residential mortgage and home equity loans in accordance with HFCU and investor guidelines. This role issues required disclosures, orders and reviews reports, prepares and reviews closing documents, performs pre-closing quality control, and ensures loans are closed and funded accurately and on time while providing a positive experience for all parties.

Essential Functions:

• Communicate clearly, timely, and accurately with borrowers and all essential parties to ensure a positive experience, including explaining mortgage documents, requirements, timelines, expectations, and the closing process
• Prepare, issue, and track required disclosures and documentation for mortgage and home equity loans from application through closing, ensuring compliance with all required timeframes
• Request, obtain, and review borrower documentation, verifications, and third party reports to ensure loan conditions and requirements are satisfied prior to closing
• Review loan files prior to closing to confirm all processing conditions are met, documented, and ready for execution
• Prepare, review, and coordinate accurate closing documents and ensure loans are closed and funded timely, including completing funding transactions, wires, and required system updates
• Ensure all processing, closing, and funding activities are completed accurately and in compliance with federal, state, investor, and mortgage lending requirements
• Lead the coordinator and post-closing pipeline to ensure that all aspects of the roles are completed in a timely and accurate manner, providing training and workload support when needed, identifying areas of concern and reporting them to VP, Mortgage Lending.
• Responsible for creating and maintaining written procedures for Mortgage Loan Coordinator tasks.
• Manage administrative activities for construction and renovation loan advances and repair escrow accounts.
• Act as subject matter expert/tester for any new programs or Mortgage Loan Coordinator related projects.
• Maintain predictable and reliable attendance
• Perform other related duties as assigned

Qualifications:

• Education:

o Minimum High School Diploma or GED required.

• Experience:

o Minimum of three years of mortgage closing experience is required.

• Skills:

o Strong organization, communication, ability to multi-task, attention to detail, comfortable in a fast-paced work environment.

Physical Requirements:

Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable, and timely attendance.

Work Environment:

• Professional banking environment.

BSA/Risk: Employees will ensure adherence to BSA (Bank Secrecy Act) and risk compliance standards in all job responsibilities, maintaining the organization's regulatory integrity and mitigating potential risks.

Equal Opportunity Employer: Heritage Family Credit Union is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.