Retail Mortgage Processor

About the Company: Well-established and stable company in Tampa is looking for a Retail Mortgage Processor. This is an excellent opportunity with an exceptional company. The ideal candidate needs to be great at customer service, yet possess a sense of urgency.

Type: Contract

Schedule: Monday – Friday, 8:00 am – 5:00 pm

Pay: Hourly, depending on experience  

Job Description


  • Performs all responsibilities in accordance with current organizational goals and standards.
  • Counsels and advises callers on new mortgage loan options and/or required documentation.
  • Answers calls when presented and returns voicemail messages same day whenever possible. Follows up with all members according to commitments made.
  • Directs the loan to the Underwriters if it does not meet minimum standards or if it is required based on the loan product or situation as defined in the Product Guidelines.
  • Communicates lending decisions and advises members of documentation needed to process a request. Keeps members engaged and informed until loan is ready for closing. Follows up after closing to ensure questions are answered and needs are met.
  • Retains and enhances mortgage acumen and specifically maintain knowledge of mortgage products and services offered by the credit union. Reinforces the selling points of our loan types, rates, payments, and terms of mortgage products.
  • Orders and follows up on vendor orders such as appraisals and flood certifications.
  • Ensures disclosures and appraisals are received and loans are denied based on regulatory requirements.
  • Uploads valid documentation used to obtain loan approval into Virtual Loan File.
  • Knowledgeable in all facets of processing in accordance with guidelines for the Government Sponsored Enterprises (GSEs), credit union portfolio products, mortgage insurance requirements, FHA and VA regulations.
  • Responsible for verifying application data to ensure it is accurate including product type and amount of mortgage, borrower assets, liabilities, and length of employment by utilizing documentation provided and/or required.
  • Validates loan information to include verification of employment, verification of deposit accounts, and all liabilities in order to prepare application for final approval. Clears conditions as appropriate.
  • Recommends counter-offers and/or recommends that loans be denied when they do not meet minimum standards.
  • Communicates to member any additional documentation required to meet guideline requirements.
  • Ensures that all data is accurately displayed in the loan origination system and the resulting findings from the automated underwriting system are in sync.
  • Completes calculations as needed for Assets and Income (using W2s, Tax Returns, Paystubs)
  • Reviews service orders for accuracy; such as:
    • Credit report to determine credit worthiness of applicant based on industry standards for collateral/equity value- questions discrepancies and disputes.
    • Homeowner’s insurance and flood insurance (if applicable) ensuring mortgagee clause is in favor of credit union and rating is B or better.
    • flood certifications and other verifications to prepare file for closing
    • appraisal
    • title commitment for liens and legal description accuracy
  • Completes path tabs in Prime Alliance as shown in the Processing Procedure Manual.


Requirements and Qualifications                               

  • MUST have TRID experience
  • Two years of related experience and/or training, or equivalent combination of education and experience.
  • Understanding of acceptable FNMA/Freddie Mac documentation requirements and calculations.
  • MS Office proficient- Word, Excel, PowerPoint, and Outlook
  • Effectively communicates using proper grammar and punctuation written, oral, non-verbal, and active listening skills
  • Strong written and verbal communication skills including use of proper grammar and punctuation 
  • Technology adept including Browser and Computer savvy and the use of various office equipment  
  • Presents in a polite, polished, and professional manner upon dealing with customers and co-workers 
City/State/Zip:Tampa, Florida 33602
Job ID:9554

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