Mortgage Loan Application Specialist
Mortgage Loan Application Specialist
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Job Description
Job Details
Description
Title: Mortgage Loan Application Specialist
Department: Mortgage Lending
Reports To: Associate Vice President of Mortgage Lending
Job Grade: 8
FLSA: NonExempt Last Modified: 3/14/2025
Its a Job Only better!
At UKFCU were more than a Credit Union were a community and weve been proudly serving our members since 1937! As a rapidly growing notforprofit organization were dedicated to making a real difference in the lives of our members and employees alike. If youre looking for a workplace where you can grow make an impact and have fun while helping others UKFCU is the place for you!
Why This Role Matters
As a Mortgage Loan Application Specialist you will play a crucial role in ensuring the smooth and timely disclosure of conventional government and portfolio mortgage loans. Your attention to detail and knowledge of compliance regulations will help streamline loan processing and support both members and internal teams. More than just reviewing applications you will be responsible for maintaining accuracy efficiency and regulatory adherence in the early stages of the mortgage loan process. Your contributions will directly impact the success and satisfaction of our members and the organization.
What Youll Do
Application Review & Disclosure Management:
- Review mortgage loan applications for accuracy and completeness within the loan origination system.
- Verify accuracy of disclosures previously provided to borrowers.
- Prepare and provide early disclosures to applicants within required regulatory timeframes.
- Prepare and issue redisclosures when necessary based on valid changes in circumstances.
- Ensure proper documentation and imaging of all early disclosure paperwork.
Loan File Preparation & Coordination:
- Monitor new loan requests and ensure timely preparation of early disclosures.
- Communicate with mortgage loan officers and applicants to obtain missing application details.
- Assign files to Mortgage Loan Processors for the next stage of loan processing.
- Initiate thirdparty work orders once a fully executed Notice of Intent to Proceed is received.
- Serve as a backup to Secondary Market Specialist when needed.
Compliance & Operational Support:
- Ensure adherence to internal UKFCU policies and boardestablished guidelines.
- Comply with federal state and local mortgage regulations.
- Maintain confidentiality of member and employee information.
- Assist in problem resolution by addressing member concerns and escalating issues when necessary.
- Stay informed of industry trends competitor practices and regulatory changes.
Qualifications
Who You Are
Experience & Education
- One to two years of similar or related experience required.
- Experience with secondary market processing preferred.
- Associates degree or equivalent experience.
Skills & Strengths
- Strong understanding of federal and state mortgage regulations.
- Exceptional attention to detail and accuracy.
- Ability to communicate effectively with members colleagues and stakeholders.
- Ability to work independently while managing multiple priorities.
- Strong analytical and problemsolving skills.
- Proficiency in loan origination software and Microsoft Office applications.
Key Traits
- Professionalism in all communications and interactions.
- Integrity in all actions and decisionmaking.
- Commitment to teamwork and collaboration.
- Accountability for meeting performance goals and deadlines.
- Adaptability to regulatory changes and procedural updates.
Whats In It for You
- Competitive salary and industryleading benefits.
- Opportunities for professional growth and leadership development.
- A chance to make a lasting impact on our members and the organizations future.
Legalese
Equal Opportunity Employer
UKFCU is an Equal Opportunity Employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. Employment decisions are made without regard to race color religion sex sexual orientation gender identity national origin age disability genetic information veteran status or any other characteristic protected by applicable law.
AtWill Employment
Employment with UKFCU is deemed atwill which means that either you or the company may terminate the employment relationship at any time with or without cause or notice unless otherwise provided by law.
Physical and Cognitive Demands
This role requires a blend of physical activity and mental focus to effectively perform its essential functions. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this role. Key physical activities include sitting standing walking and occasional lifting (up to 25 pounds). Youll also use your hands for various tasks reach with your arms and engage in conversations. Vision requirements include the ability to focus perceive depth and distinguish colors. Cognitive abilities essential for this role include judgment auditory perception memory reasoning and occasional persuasion.
Work Environment
Youll primarily work indoors in a comfortable climatecontrolled office setting. The noise level is typically moderate ensuring a focused yet dynamic work environment. Reasonable accommodations will be provided as needed to support an inclusive workplace.
This job description provides a general overview of the responsibilities and expectations for this role. It is not a comprehensive list of tasks and employees may be asked to take on additional duties to support team success.
Applications are only accepted through our online application system. However if you need assistance with any part of the application process or are unable to apply online because of a medical condition or disability and need an accommodation please contactto let us know the nature of your request. Please note UKFCU accepts only employment applications that are complete and received by the Office of Human Resources by the specified deadline for each opening.
This position allows for an optional hybrid work arrangement which includes a combination of both inoffice and remote work arrangements. (Maximum of two days remote three days inoffice). To be eligible for the program employees must complete a minimum of 90 days of continuous regular employment be in good standing and submit a formal hybrid work application prior to being eligible for hybrid work pending supervisor approval. Work schedules will be established by the employees supervisor according to business needs. Working locations and schedules may be altered at management discretion.
Required Experience:
Unclear Seniority
Employment Type
Full-Time
