Role Description The Mortgage Processor is a vital operational role responsible for managing residential mortgage loan files from initial application through to conditional approval and closing. This position focuses on verifying the accuracy, completeness, and integrity of all financial, employment, and property data submitted by applicants. The ideal candidate possesses a sharp eye for detail, deep knowledge of automated underwriting requirements, and exceptional communication skills, acting as the critical link between Mortgage Loan Originators (MLOs), underwriters, borrowers, and third-party vendors to ensure smooth, compliant, and on-time closing experience. Essential Functions: - File Review & Verification: Conduct comprehensive reviews of newly submitted loan applications to verify assets, employment, income, and credit history in strict accordance with program guidelines. - Third-Party Coordination: Order and analyze mandatory third-party documentation, including property appraisals, title commitments, flood certifications, homeowners’ insurance, and tax transcripts. - Underwriting Preparation: Clear automated underwriting system (AUS) conditions (Desktop Underwriter/Loan Product Advisor) and assemble highly organized, fully documented loan packages for structural submission to the Underwriter. - Pipeline Management: Manage a rolling pipeline of 20–40 residential files simultaneously, meeting strict processing milestones to ensure purchase contract and lock expiration dates are honored. - Stakeholder Communication: Provide clear, proactive updates regarding loan status and missing documentation to borrowers, Loan Originators, and real estate partners throughout the lifecycle of the file. - Compliance Adherence: Ensure all files meet rigorous internal quality control measures as well as state and federal regulatory compliance standards (e.g., TRID, RESPA, Fair Lending). Qualifications - Lending Guidelines: Thorough understanding of current conventional (Fannie Mae/Freddie Mac), FHA, VA, and USDA loan program requirements and documentation standards. - Income Calculation Mastery: Advanced proficiency in calculating complex income structures, including self-employed borrowers, multi-source corporate tax returns, commission, and rental income. - Loan Origination Technology: Direct hands-on experience utilizing modern Loan Origination Systems (such as Encompass, Byte, or Calyx Point) and automated underwriting engines. - Detail & Time Management: Exceptional organizational skills with an innate ability to spot inconsistencies or potential fraud in financial paperwork while juggling tight production deadlines. - Education: High school diploma or equivalent required; an associate or bachelor’s degree in finance, Business, or a related field is preferred. - Experience: Minimum of 3–5 years of recent, direct experience processing residential mortgage loans in a retail or wholesale environment. Requirements - Sedentary Work: High volume of sedentary work, involving prolonged periods of sitting or standing at a multi-monitor desk setup, reviewing dense digital text and financial spreadsheets. - Digital & Phone Interaction: Continuous use of computer components (keyboard, mouse) and frequent clear telephone communication to gather borrower details and vendor documentation. - Visual Acuity: Sharp close-range vision required to carefully examine and evaluate scanned data, tax records, and legal property descriptions for accuracy. Benefits - Comprehensive benefit package including Health, Dental, and Vision Insurance. - Options to participate in a Health Savings Account and Flexible Spending Account. - Life and AD&D coverage, voluntary Supplemental Life, Short-Term, Long-Term Disability, and Supplemental insurance. - Option to participate in a company retirement plan for eligible employees.

Role Description The Mortgage Processor is a vital operational role responsible for managing residential mortgage loan files from initial application through to conditional approval and closing. This position focuses on verifying the accuracy, completeness, and integrity of all financial, employment, and property data submitted by applicants. The ideal candidate possesses a sharp eye for detail, deep knowledge of automated underwriting requirements, and exceptional communication skills, acting as the critical link between Mortgage Loan Originators (MLOs), underwriters, borrowers, and third-party vendors to ensure smooth, compliant, and on-time closing experience. Essential Functions: - File Review & Verification: Conduct comprehensive reviews of newly submitted loan applications to verify assets, employment, income, and credit history in strict accordance with program guidelines. - Third-Party Coordination: Order and analyze mandatory third-party documentation, including property appraisals, title commitments, flood certifications, homeowners’ insurance, and tax transcripts. - Underwriting Preparation: Clear automated underwriting system (AUS) conditions (Desktop Underwriter/Loan Product Advisor) and assemble highly organized, fully documented loan packages for structural submission to the Underwriter. - Pipeline Management: Manage a rolling pipeline of 20–40 residential files simultaneously, meeting strict processing milestones to ensure purchase contract and lock expiration dates are honored. - Stakeholder Communication: Provide clear, proactive updates regarding loan status and missing documentation to borrowers, Loan Originators, and real estate partners throughout the lifecycle of the file. - Compliance Adherence: Ensure all files meet rigorous internal quality control measures as well as state and federal regulatory compliance standards (e.g., TRID, RESPA, Fair Lending). Qualifications - Lending Guidelines: Thorough understanding of current conventional (Fannie Mae/Freddie Mac), FHA, VA, and USDA loan program requirements and documentation standards. - Income Calculation Mastery: Advanced proficiency in calculating complex income structures, including self-employed borrowers, multi-source corporate tax returns, commission, and rental income. - Loan Origination Technology: Direct hands-on experience utilizing modern Loan Origination Systems (such as Encompass, Byte, or Calyx Point) and automated underwriting engines. - Detail & Time Management: Exceptional organizational skills with an innate ability to spot inconsistencies or potential fraud in financial paperwork while juggling tight production deadlines. - Education: High school diploma or equivalent required; an associate or bachelor’s degree in finance, Business, or a related field is preferred. - Experience: Minimum of 3–5 years of recent, direct experience processing residential mortgage loans in a retail or wholesale environment. Requirements - Sedentary Work: High volume of sedentary work, involving prolonged periods of sitting or standing at a multi-monitor desk setup, reviewing dense digital text and financial spreadsheets. - Digital & Phone Interaction: Continuous use of computer components (keyboard, mouse) and frequent clear telephone communication to gather borrower details and vendor documentation. - Visual Acuity: Sharp close-range vision required to carefully examine and evaluate scanned data, tax records, and legal property descriptions for accuracy. Benefits - Comprehensive benefit package including Health, Dental, and Vision Insurance. - Options to participate in a Health Savings Account and Flexible Spending Account. - Life and AD&D coverage, voluntary Supplemental Life, Short-Term, Long-Term Disability, and Supplemental insurance. - Option to participate in a company retirement plan.

Role Description We are currently seeking an experienced, innovative, and critical thinker for our Secondary Market Mortgage Processor position. The Secondary Market Mortgage Processor is responsible for the timely, accurate and compliant processing of first mortgage and equity loans products while serving as a senior-level resource within the Mortgage Department. - Provides advanced support throughout the mortgage origination process. - Ensures the delivery of complete, high quality loan packages to underwriting and secondary market investors. - Exercises independent judgment in reviewing loan files, resolving complex documentation and underwriting issues. - Ensures compliance with Credit Union policies, investor requirements, and all applicable Federal, State, NCUA, and regulatory policies. - Must have flexibility to work extended hours and to travel periodically, which may include weekends and evenings. Qualifications - High school diploma required. - Associate's or Bachelor's degree in business, finance, or related field preferred, or equivalent work experience. - Minimum of five years of progressively responsible mortgage processing, underwriting, or mortgage operations experience. - Demonstrated experience working with secondary market investors, investor delivery requirements, mortgage insurance providers, and agency guidelines. - Advanced knowledge of mortgage lending regulations including TRID, RESPA, HMDA, ECOA and other applicable compliance requirements. - Proficiency with mortgage origination/processing systems; Loan Product Advisor or equivalent underwriting software (AUS) and Microsoft Office products. - Experience with Encompass, FICS Loan Producer and MeridianLink Consumer preferred. - Experience with direct customer service in a financial institution preferred. - Excellent organizational skills and attention to detail in a high-volume environment. - Ability to speak and understand multiple languages a plus. - Position requires the ability to function independently while exercising sound judgment of lending policies and procedures. - Excellent interpersonal, communication, analytical and problem-solving skills. - Proven ability to manage multiple pipelines simultaneously and respond to changing deadlines and priorities. - Ability to function in a financial institution and utilize standard office equipment including but not limited to: 10 key calculator, fax, copier, telephone, etc. - Mathematical skills involving decimals, percentages and fractions etc. required. - This position requires Nationwide Mortgage Licensing System and Registry (NMLS) registration under the SAFE Act of 2008. - Must be able to be registered as a Mortgage Loan Originator. Company Description Educational Systems FCU has proudly served the education community for over 70 years. With over $1.3 billion in assets and 95,000 members, we're a fast-growing credit union who knows who we are, who we serve, and where we are going. Our core purpose is serving the education community, and we are proud of our values: trustworthy, excellence, collaborative, empowering and caring. Our vision is to make financial wellness and stability accessible for all the communities we serve. Our success is a result of our Ambassador's commitment to making a difference each day and helping the members of the education community achieve their financial goals and dreams.

• Maintain effective communication with all necessary parties involved in a new loan application • Work with various internal departments as well as external organizations to obtain processing related documentation • Immediately notifies all necessary parties of irregularities relative to standard mortgage guidelines • Monitor, update and analyze credit reports, appraisals, income documentation, and all verifications • Perform other administrative duties supporting the origination department • Ability to scrutinize a loan application to assess qualification • Empowered to review and accept loan conditions based on underwriter requirements • Ensure adherence to all regulatory requirements and guidelines • Identify risk-related issues needing escalation to management