Loan specialist jobs in Jacksonville, FL - 31 jobs

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week. We encourage you to become a part of VyStar Credit Union's family of employees. Consumer Loan Modification SpecialistACCOUNTABILITY STATEMENT The Consumer Loan Modification Specialist processes consumer loan modification requests received from members that are experiencing a change in their financial position that is affecting their ability to maintain timely payments. All activities related to processing a consumer loan modification request must be conducted in compliance with credit union policies, procedures as well as all State, Federal and local regulations. Proficiency with all software, core systems and loan origination systems to include any applicable system coding required for tracking and reporting purposes. The incumbent will report to the Collections Operations Supervisor and will work collaboratively with the Sr. Loan Modification Coordinator on a day-to-day basis. ESSENTIAL FUNCTIONS Reviews incoming consumer loan modification requests and accompanying documentation for completeness. Incumbent must possess an astute attention to detail and follow-up at all times to ensure accuracy and timeliness of all documents pertaining to consumer loan modification and trouble debt restructure (TDRs) requests. Requests additional documentation required from member to complete the consumer loan modification process. Pulls and reviews credit report to ensure the accurate calculation of debt to income ratios. Verifies that NADA values are accurate on secured loans. Prepares required modification worksheets and makes a recommendation for management consideration and Sr. Consumer Loan Modification Coordinator. Communicates final consumer loan modification decision to the member, including terms and conditions of modification approval or reasons for modification declination. Completes documents and coordinates with member as to time and location of execution of documents needed for modification. Prepares consumer loan modification documentation and places the modification package in the appropriate branch folder in Laserfiche. Prepares and sends notice of adverse action for disapproved consumer loan modification requests. Completes quality assurance review of completed modification documentation and takes appropriate steps to correct any errors notated during the review process. Completes the core system loan changes required to ensure loan is serviced in conjunction with the terms and conditions of consumer loan modification. Notates special payment plans such as reages and reduced payment plans in the collections system. Follow up to ensure payments are being made as per arrangements and review to ensure proper follow up by collector. Cross-trained to work the collection system queues to ensure each delinquent account has been followed for activity and account is accurately documented in the core collections systems. Cross-sells other credit union services. Counsels member and provides alternative recommendations should their request be denied. Performs the activities and projects as assigned and requested by the Consumer Loan Modification Coordinator, Collections Operations Supervisor, Collections Operations Manager and Vice President of Lending Service Operations. Identify and make recommendations to Sr. Consumer Loan Modification Coordinator, Collections Operations Supervisor, Collection Operations Manager and Vice President of Lending Service Operations regarding process improvements, quality service and increased efficiencies. Performs other duties as assigned. All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance. VYSTAR EXCELLENCE Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job: • Focus Focus your full attention by carefully listening to and observing client or member. • Connect Consistently be friendly and approachable. Demonstrate your care. • Understand Listen empathetically and ask questions (70%/30% rule). • Counsel Recommend solutions based on your member's needs and objectives. • Advance Ensure that member's expectations were exceeded. Verify necessary follow-up actions. QUALIFICATIONS Experience A minimum of three years experience in consumer loan processing and/or consumer loan collections within a financial environment is required. Knowledge of Federal and State regulations related to consumer lending such as the Equal Credit Opportunity Act, Truth in Lending Act, as well as the regulations related to collection activities such as the Fair Credit Reporting Act, Fair Debt Collections Practice Act (FDCPA), and Federal Bankruptcy Laws. Applicant must exhibit and demonstrate positive, well-developed communication skills, both written and verbal, be detail oriented, have excellent organizational and active listening skills, the ability to work in a fast paced environment, and proven ability to work with others at all levels. Must have professional conduct and appearance at all times and be self-motivated. Must work under the philosophy of “people helping people” and be able to communicate with members and legal council at all levels. Applicants must demonstrate the qualities of a self-starter and one who follows through on all job duties. Equipment to be used in the daily performance of job duties include HP calculator, PC, and multi-function equipment (fax, scanner, and copier) is required. Knowledge of all Microsoft Office applications and credit union software and/or core operating systems pertinent to completing various tasks and responsibilities of the position is required. EDUCATION The minimum formal education required is completion of high school. Incumbent must be knowledgeable of Federal and State regulations governing collections and loan consumer modification documentation. Continuing education via local conferences and workshops is required for updates on federal and state regulations, as necessary. DISCLAIMERS AND WORK ENVIRONMENT Nothing in this position decription is an implied contract for employment. The functions are not all encompassing and are subject to change at any time by management. The work environment characteristics described here are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. As required or requested, may exert up to 20 pounds of force occasionally and/or negligible amount of force constantly to lift, carry, push, pull, or otherwise move objects. VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union. No placement fee will be paid if a candidate is hired as a result of the referral, or through other means. Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members. Thank you again for your interest in this position! VyStar Credit Union Human Resources

.

Job Description Core values speak to the heart of an organization and are the essence of a company's identity. Everything we do is centered around our community, customer service, our stability, and being trustworthy. These values support our mission and vision, shape our culture, and provide a foundation for the future. Offering a dynamic benefit package that includes but is not limited to: Four Medical Plan Offerings to choose from Employer HSA Contributions (Coverage/Plan exclusions) Employer Provided Life Insurance Policy Annual Health Incentive Annual Wellness Reimbursement Tuition Reimbursement program Generous Match 401k Retirement Plan Paid Sick Leave Paid Vacation Leave 11 Paid Holidays Based on the Federal Reserve Calendar If you are ready to take on a challenging and rewarding role; we invite you to apply for this exciting opportunity. ESSENTIAL FUNCTIONS: Performs all activity related to individual loan funding, including wire requests, monitoring of closing agents, line balancing, collateral traffic, payoffs, and reconciliation process. Work with mortgage bankers via phone and e-mail for any information needed in the funding, collateral, or payoff of their loans. Handle inquiries from mortgage bankers, as needed. Multi-tasking required within a team environment. Candidate must be willing and able to learn the various areas within the department, while maintaining accuracy and service levels. Provides the best service to our customers with innovative and creative solutions. JOB REQUIREMENTS: High School diploma or equivalent. Three to five years' experience in mortgage loan related environment. Experience in one of the following preferred: Mortgage Warehouse Operations, Mortgage Loan Setup, Mortgage Loan Closer, Post-Closing, Funder, Shipper, Collateral, Lock Desk, Wire Desk. Excellent computer skills required. Ability to deal with time constraints and strong attention to detail. Extended hours sitting and performing computer tasks may be required. Employees confirm they are able to perform the essential functions of this position to continue employment with First Federal Bank. Bilingual candidates encouraged to apply. EQUAL OPPORTUNITY EMPLOYER / VET / DISABILITY E - Verify Employer Powered by ExactHire:179268

Community First Credit Union of Florida is a state-chartered credit union based in Jacksonville serving anyone who lives or works on the First Coast. Community First is one of the largest credit unions in Florida with $2.7 billion in assets and serving 170,000 members. Community First has 19 locations and nearly 400 employees. A not-for-profit, Community First is a full-service financial institution offering banking, loans, mortgages and investments for consumers and businesses across the First Coast. Job Overview: Community First Credit Union is seeking a dynamic, results-driven and experienced External Mortgage Loan Officer to join our team. This role is pivotal in expanding our mortgage lending services through effective networking and business development strategies. The ideal candidate is an experienced loan officer with a proven track record in mortgage sales, established referral partners, and a passion for financial success. Key Responsibilities: Develop and maintain a robust network of referral sources, including real estate professionals, builders, and personal contacts within the assigned market. Actively identify and pursue potential borrower referral sources through marketing, cold calling, prospecting, and networking activities. Create and conduct mortgage seminars to groups of 10+ to create awareness and promote our mortgage products, their features, and benefits. Plan and participate in real estate business development activities, leveraging relationships with Title Companies, Realtors, Builders, and the community to generate new business. Provide off-site origination and Credit Approval/Pre-Approval services for mortgage loans. Evaluate potential borrowers, propose real estate financing options, and provide detailed information including closing costs, rates, and payment quotes. Take complete and accurate mortgage applications, participate in obtaining necessary support documents, and oversee the loan process to ensure terms conformity. Support assigned branches by conducting in-person visits, hosting virtual meetings, organizing branch events, and providing training related to mortgages. Work closely with Processors and Underwriting to ensure loan documents are of high quality and loan conditions are met. Ensure exceptional member experience by interacting with all parties involved in each loan transaction. Maintain regular communication with members and Realtors throughout the loan process. Analyze and identify potential loan markets, develop new referral networks, and market Community First products. Qualifications: Proven track record in sales and a respectable book of business that includes realtors, title companies, builders, and other referral sources. Passionate about helping people achieve financial success through homeownership. Consistent adherence to a high ethical standard. Excellent communication and rapport-building skills. Must be registered with the National Mortgage Licensing System (NMLS). Must have a thorough knowledge of pricing and underwriting requirements of various mortgage programs. Benefits: Guaranteed base pay plus competitive commission structure. Monthly expense budget for business development activities and marketing support as necessary. Large territory for business expansion and opportunities to achieve outstanding performance rewards. Additional Requirements: Significant travel and prospecting within the assigned market. Attend mortgage closings as schedule allows. Compliance with laws and regulations including the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Join the Community First Credit Union team and be a part of a growing organization committed to providing exceptional services and helping our members achieve their financial goals. If you are passionate about sales, motivated by results, and ready to take your career to new heights, apply today! Community First Credit Union is an equal opportunity employer.

Do you have strong relationship building skills? Have you built your business largely on referrals? Are you an entrepreneur at heart and interested in growing a team? If so, then we have an exciting opportunity for you. Become your own boss at Caliver Beach Mortgage!! Description: · Run your business remotely on a P&L basis under the umbrella of Caliver Beach Mortgage! · Uncapped commissions! · Loan products for all borrower types! · Add additional LO's to your team OR act as an individual LO! · Licensed in 28 states and growing! · Administrative, operational and compliance support provided by Corporate! Successful Candidate Attributes: · Proven track record developing referral partner relationships with Realtors, CPA's, Financial Planners, etc. · Maintains a database of past clients for marketing purposes. · History of closing at least 3-5 units per month. Loan Officer Requirements: · An active NMLS/MLO license (required). · Strong knowledge of lending regulations and industry best practices. · Exceptional interpersonal and communication skills. · Analytical mindset with the ability to assess complex financial information. · Sales-oriented mindset with a commitment to achieving targets. · Detail-oriented and organized. · Proficient in relevant software and tools. How to Apply: Interested candidates should submit their resume detailing their qualifications and relevant experience to ***********************. Please include "Loan Officer Application" in the subject line of your email. Caliver Beach Mortgage, LLC is an equal opportunity employer. We are committed to diversity and inclusion in our workplace.

Truehold-one of the nation's top players in the real estate investment space, with 200+ employees across 15+ markets-is expanding their mortgage lending operations with the growth of Truehold Financial. This role offers a competitive base salary plus commission. Since this is a newer business line within the organization, we are looking for someone entrepreneurial, start-up oriented, and eager to sell and contribute to broader lending operations. Key Responsibilities: Manage and convert inbound leads for real estate investor (DSCR, Fix-and-Flip, RTL, etc.) and consumer-purpose mortgage products Qualify borrowers, collect documentation, structure scenarios, and submit clean files to ops to deliver a smooth, professional end-to-end borrower experience Diagnose investor needs, structure scenarios, and guide borrowers to the best loan options Manage a fast-moving pipeline with strong follow-up and speed-to-lead and consistent meeting of monthly production goals Collaborate with processing, underwriting, and partners to move loans from application to funding efficiently Maintain full compliance with internal and regulatory requirements Provide actionable feedback to improve workflows, turn times, and borrower experience Contribute to building Truehold Financial's best-in-class lending programs Required Qualifications: 2+ years of experience as a Mortgage Loan Officer/Originator Proven track record converting inbound leads and originating mortgage loans Real estate investor loans preferred, consumer mortgages a plus Proficiency working with a CRM, LOS and pricing engines Knowledge of underwriting standards and loan structuring best practices. Excellent communication skills and a collaborative mindset Highly motivated, organized self-starter with the ability to work independently and hit goals in a dynamic setting. Preferred Qualifications: Active NMLS license preferred (required only for consumer-purpose loans. Experience in a startup or fast-paced lending environment Familiarity with capital markets dynamics, pricing models, and investor product variants Experience representing a lender at investor events or industry groups We Provide: Competitive compensation with fixed-fee commissions per loan Consistent inbound lead volume from our in-house marketing team generating thousands of leads per month Supportive, entrepreneurial environment where your input and performance have immediate impact Exposure to a high-volume investor and SFR lending ecosystem Opportunity to grow with a rapidly scaling mortgage platform

Come join our amazing team and work in our Jacksonville, FL Office! Our Retail Loan Officer functions as a Consumer Direct inside sales mortgage originator and advises customers of all their mortgage options. Responsible for guiding our customers through the mortgage process whether purchasing a new home or refinancing their current home. Perform all duties in accordance with the company's policies and procedures, all US state and federal laws and regulations, wherein the company operates. The target pay range for this position is $125,000 - $300,000 annually. What you'll do: Prospect, connect, and build rapport with customers by making outbound calls to company-sourced leads and taking inbound calls from customer inquiries, Customer Service agent transfers, and third party transfers. • Guide customers to the best mortgage products available by listening to the customer needs, answering questions, and collecting all documents necessary to close a mortgage loan. Follow up with customers to ensure we are providing a high level of best-in-class service. • Adhere to all phone, email and SMS disclosure requirements when interacting with customers. Partner with all respective business partners to ensure an expedient and seamless process of file flow. Maintain resilience, determination, and adaptability to the changes in the mortgage industry and our customers' needs. Maintain adherence to all applicable laws and regulations regarding mortgage lending. Perform other duties as assigned What you'll need: Knowledge of FHA, FNMA, FHLMC, VA, and USDA products. Knowledge of purchase and refinance transactions. Knowledge of Carrington's underwriting guidelines and investor requirements or ability to learn quickly. Knowledge of Carrington's loan origination system or ability to learn quickly. Industry specific software knowledge preferred, i.e. Lead management systems (Leads 360), DU, LP, Appraisal Management Software. Proficient at or capable of learning all mortgage origination software and technologies. Passionate about serving current Carrington Mortgage customers. Excellent communication, listening and interpersonal skills. Strong attention to detail. Our Company: Carrington Mortgage Services-Retail Lending is part of The Carrington Companies. We offer a wide variety of home purchase and refinance products for government and conventional loan programs, specializing in underserved programs for borrowers with less than perfect credit and low down payment. We hope you'll consider joining our growing team of uniquely talented professionals as we transform residential real estate. To read more visit: *************************** What is the value proposition to joining the team? Full array of mortgage programs. Paperless loan file flow and process. Aggressive Marketing support including brochures, social media, and CRM. Aggressive underwriting: we manual underwrite over 80% of our files Warm exclusive leads Ability to originate nationally Competitive compensation plan, including a base plus commission. What We Offer: Comprehensive healthcare plans for you and your family. Plus, a discretionary 401(k) match of 50% of the first 4% of pay contributed. Access to several fitness, restaurant, retail (and more!) discounts through our employee portal. Customized training programs to help you advance your career. Employee referral bonuses so you'll get the opportunity to work with friends (and get some extra cash in your pocket!). Educational Reimbursement. Carrington Charitable Foundation contributes to the community through causes that reflect the interests of Carrington Associates. For more information about Carrington Charitable Foundation, and the organizations and programs, it supports through specific fundraising efforts, please visit: carringtoncf.org. #LI-CF1

Internal Call Center Loan Officer - Multiple Locations (TX, FL, NJ) Our client is seeking experienced and entry-level Internal Call Center Loan Officers to join a growing, high-volume lending team. These roles offer the stability of a national mortgage company combined with strong earning potential through a tiered commission structure. Ideal candidates are licensed, driven, and comfortable working in a fast-paced, dialer-based environment managing inbound and outbound leads. Key Responsibilities Manage incoming and outbound calls from lead sources such as LendingTree. Educate and prequalify borrowers for HELOCs, refinances, and cash-out products. Structure and present loan options that meet customer needs and comply with company guidelines. Maintain consistent contact and follow-up with clients throughout the loan process. Achieve monthly production and quality goals. Maintain accurate documentation and CRM notes on all interactions. Qualifications Active NMLS license (state required). Comfortable working with dialer systems and high-volume outbound leads. Experience with HELOC and cash-out refinance loans preferred. Ability to thrive in a structured, metrics-driven sales environment. For less experienced LOs (1-3 years): on-site role required. For experienced LOs (4+ years): hybrid or remote may be considered. Must reside within commuting distance of one of the call centers in DFW, Jacksonville, or Mount Laurel. Compensation & Schedule Hourly: $18/hr + commission (retroactive tiers): • 1-2 loans: 40 bps • 3-6 loans: 60 bps • 7+ loans: 75 bps Average Annual Income: $110,000 Top Performers: $225,000-$250,000 Schedule: 9:00 a.m.-6:00 p.m. or 11:00 a.m.-8:00 p.m. Weekends: Voluntary unless production targets are not met Employment Type: W-2 with full benefits National Mortgage Staffing does not determine the salary, requirements, or qualifications for this position. All criteria are set by our client and must be followed exactly. Thank you for your interest! If your background aligns with our clients needs, one of our Recruiters will reach out. Please Check your spam folder and voicemail for messages from our recruiters. Unfortunately due to high volumes of applicants, we may not be able to respond to those who are not a fit. If you do not hear from us regarding this application, please know we do appreciate your interest and encourage you to continue to keep an eye on our website for new opportunities.

Under minimum supervision, this position will market and originate mortgage loans that meet regulatory and investors guidelines to be sold on the secondary mortgage market. Gather all information necessary for documentation, analysis, disclosure and underwriting loan applications. Structure loan to ensure compliance to product guidelines. Submit through DU/LP and review findings to ensure borrower findings meets guidelines. Enter all required information into the mortgage loan origination system and order appraisal. Solicit and take loan applications in a professional and timely manner in line with company standard and procedures. Evaluate credit factors and eligibility to ensure application meets guideline requirements. Provide appropriate borrower compliance information at the time of application, have disclosures signed and delivered. Provide Loan Estimate (LE) within regulatory guidelines. Also provide re-disclosure as required by regulatory guidelines through understanding of MDIA requirements. Provide all necessary applicant information to processor. Price loans according to guidelines and secure signed lock agreements. Review Closing Disclosure (CD) and prepare the borrower for closing. Keep open line of communication with agents, borrower, processors and closers to provide excellent customer service. Develop individual marketing plans to expand market share and stimulate loan production. Maintain regular customer contact with professional and community organizations to ensure a positive company image. Stay up to date on all program, compliance, and investor guidelines and changes that will affect the borrower and Bell Bank Mortgage. Provides advice and service to applicant requesting mortgage information. Make preliminary determination of applicant's credit worthiness and has authority to issue prequalification statement of borrowers eligibility. Maintain awareness of new trends and developments in the local and national real estate market to better serve clients and provide feedback to management Know by name and face as many customers and employees as possible, calling them by name as often as possible. Know, understand, and live the company values and bottom line. Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable state and federal laws and regulations. All employees are responsible for information security, including compliance with policies and standards which protect sensitive information. Perform other duties as assigned. Job Skills Required: B.A. or minimum of three years of mortgage banking experience. Two years of mortgage banking sale experience. NMLS registration. Familiarity with all mortgage banking functions, FNMA, FHLMC, HUD/VA Lending, regulatory compliance and investor guidelines. Ability to strategically plan to market and develop business contact. Ability to work with limited supervision. Excellent customer service skills. Ability to function efficiently and effectively under deadlines and stress while maintaining a professional and mature profile. Ability to travel to different branches and to off-site meetings to meet with clients or co-workers.

Who We Are At KLS Martin, we offer a unique opportunity to contribute to the success of a dynamic and thriving company whose products are used daily across the world to help surgical patients. The KLS Martin Group is a worldwide leader in creating surgical solutions for the craniomaxillofacial and cardiothoracic fields. Surgical innovation is our passion, and we are constantly working with surgeons to improve surgical care for their patients. Our product portfolio includes titanium and resorbable implants for reconstruction, innovative distraction devices to stimulate bone lengthening, over 4,000 surgical instruments, and other surgical products designed specifically for CMF and cardiothoracic surgeons. KLS Martin is an innovative leader in the treatment of CMF deformities and trauma cases. We use Individual Patient Solutions (IPS) by using our proprietary IPS products where CT scans are used to custom design implants that are created specifically for that individual patient. This technology allows our surgeons to provide the best-in-class treatment for their patients. KLS Martin Guiding Principles Established, Privately Held Business Group - Responsive to customers, not shareholders. KLS Martin has manufactured medical products since 1896, and we have sold our products in the United States under the KLS name since 1993. We have always been, and always will be, privately owned. Patient Focus - We design products with the patient in mind - CMF, Thoracic & Hand Product to Table - Integrated planning, design, manufacturing and distribution process Educational Partner - Our primary focus for support is on education Inventory Alliance - Inventory management is critical to patient treatment/outcome Surgical Innovation is Our Passion - More than just a tagline What We Offer We provide full-time employees with a competitive benefits package, including paid parental leave In-house training and professional development opportunities A culture of creativity and innovation by drawing on diverse perspectives and ideas to drive surgical innovation Job Summary At KLS Martin, we are offering an opportunity to contribute to the success of a dynamic and thriving company. We are seeking a skilled and driven Invoice Resolution Specialist for commercial accounts receivable. Responsible for managing outstanding receivables and resolving invoice discrepancies. This role builds foundational knowledge of collections processes, systems, and compliance. Your experience in customer service, attention to detail and problem-solving skills will contribute to our overall success. Essential Functions, Duties, and Responsibilities Invoice Resolution: Manage invoice to cash cycle of assigned accounts: ensure timely delivery of invoices & statements, effectively communicate with customers to address account questions & past due balances. Research and resolve discrepancies in a timely manner (purchase orders, sales tax, freight charges, payment terms) by collaborating with external and internal departments. Recognize when account issues should be escalated and take appropriate action to resolve. Assist with cash application by identifying and reporting discrepancies. Internal Controls: Maintain organized collections records in compliance with internal controls. Develop knowledge of department and company policies, procedures, and compliance requirements. Process Improvement: Contribute to process improvement discussions by identifying inefficiencies and suggesting solutions. The above cited duties and responsibilities describe the general nature and level of work performed by people assigned to job. They are not intended to be an exhaustive list of all the duties and responsibilities that an incumbent may be expected or asked to perform. Qualifications Educational and Experience Requirements High School Diploma or Equivalent. Prior experience in customer service, invoice reconciliation or equivalent combination of education and experience preferred. 1-3 years of experience in related position preferred. Intermediate level knowledge of Microsoft Office software applications. Previous use of SAP and Salesforce a plus. Knowledge, Skills, and Abilities Attention to Detail: Accurately manages documentation, and attention to invoice reconciliation at the foundational level. Problem Solving: Accurately identifies issues and applies established procedures to resolve them. Teamwork & Collaboration: Works collaboratively with others and contributes to a positive team environment. Communication: Clearly & professionally exchanges information with customers and colleagues. Accountability: Take ownership of assigned work, meet deadlines and reliably follow through. Professionalism: Demonstrate integrity, respect, and adherence to KLS Martin's quality and safety policies and procedures. Skill Requirements Typing/computer keyboard Utilize computer software (specified above) Retrieve and compile information Maintain records/logs Verify data and information Organize and prioritize information/tasks Advanced mathematical concepts (fractions, decimals, ratios, percentages, graphs) Verbal communication Written communication Public speaking/group presentations Research, analyze and interpret information Investigate, evaluate, recommend action Basic mathematical concepts (e.g. add, subtract) Physical Requirements Sitting for extended periods Extended periods viewing computer screen Reading Speaking Hear/Listen Maintain regular, punctual attendance Bending/Stooping Reaching/Grasping Writing Hazards Normal office environment All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. KLS Martin is a drug-free employer

Job DescriptionJob DescriptionEssential Job Functions:•Manage an assigned pipeline of 35-50 plus loans on a daily and weekly basis•Process loans from application to closing including but not limited to:•Collecting and analyzing documents to submit to Underwriting for final approval•Communicating expectations, requirements and program details though established communication standards•Maintain daily workflow prioritization to ensure pipeline management meets required closing dates•Order all required verifications, documentation and subsequent follow-ups and ensures all timeframes and compliance requirements are being met•Verify conditions of approval which may include customer income/assets documentation, resolves routine title issues including vesting issues, child support liens, judgment liens, mechanic liens and undisclosed liens and reconveyances•Provide excellent customer service to internal and external clients by demonstrating expertise, thoroughness, thoughtfulness, politeness and enthusiasm•Ensure customer service surveys maintain the rating level designated by management•Communicate with all parties involved in the transaction to keep them informed of file status•Review and analyze all necessary documentation, including borrower docs and third-party docs•Interpret policies while analyzing applicant information, property and documentation•Calculate borrower income for all employment types•Comprehensive understanding of credit underwriting guidelines•Must be flexible and able to work in a fast paced, potentially stressful environment3 years of current experience in a mortgage company with Loan Processing experience required

Job Title: Loan Processor - Loan Originations Job Overview: As a Loan Processor, you will play a vital role in our mortgage lending operations, responsible for efficiently processing loan files from application to closing. Having successfully completed training and a probationary period as a Trainee, you will utilize your expertise to collect and review borrower documents, communicate with customers, and collaborate closely with Loan Officers and Underwriters to ensure timely and accurate processing of loan applications. Key Responsibilities: * Collect and review borrower documents, including income verification, credit reports, and property information, to ensure completeness and accuracy. * Process loan files in compliance with company policies, regulatory guidelines, and investor requirements. * Communicate with customers to request additional documents or information, provide status updates, and address inquiries throughout the loan process. * Work closely with Loan Officers and Underwriters to resolve issues, address conditions, and clear loan file for approval. * Maintain detailed and organized loan files, ensuring all documentation is properly documented and stored. * Verify data accuracy in loan origination system and other relevant software platforms. * Coordinate with third-party vendors, such as appraisers and title companies, to facilitate loan transactions. * Adhere to established timelines and service level agreements to meet closing deadlines. * Provide exceptional customer service, ensuring a positive experience for borrowers throughout the loan process. Minimum Qualifications: * High school diploma or equivalent is mandatory; a college degree in finance or banking is preferred. * Previous experience of 2-3 years in a professional office setting is required, ideally in an administrative or mortgage assistant role. * Understanding of various loan products, including conventional loans, FHA, VA, adjustable/fixed-rate mortgages, etc., is essential. * Highly driven and goal-oriented, with exceptional customer service and communication capabilities. * Comfortable working in a dynamic, fast-paced environment. * Skilled in managing a loan pipeline and associated tasks to meet designated turn times effectively. * Proficient in Microsoft Office suite; capable of swiftly acquiring proficiency in the company's proprietary mortgage software products. Physical Demands: * Capable of safely and proficiently performing essential job functions as per ADA, FMLA, and other relevant standards, meeting productivity criteria. * Maintain consistent, punctual attendance in compliance with ADA, FMLA, and other regulations. * Clear and articulate communication skills on the telephone. * Ability to sit at a workstation for extended periods. * Proficient in physical typing.

Position OverviewAt PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. We work together each day to foster an inclusive workplace culture where all of our employees feel respected, valued and have an opportunity to contribute to the company's success. As a(n) Mortgage Loan Officer within PNC's Mortgage organization, you will be based in the Greater Jacksonville, FL area.PNC is an in-office company that fosters a supportive culture where employees can thrive and achieve balance. We encourage candidates to connect with their recruiter and hiring manager to understand workplace expectations and ensure the role aligns with their goals.PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position.Job Description Recommends loan solutions in accordance with lending guidelines and clients' requirements. Manages a portfolio of customer relationships. Seeks prospective opportunities to retain and/or develop new clients. Responsible for sales calls. Develops and prepares loan solutions and refers products and services; reviews documentation to ensure compliance. Manages customer pipeline for efficiency. Collaborates with internal and external stakeholders to complete mortgage transactions. Collects and analyzes customer financial information for multifaceted and/or complex borrowers. PNC Employees take pride in our reputation and to continue building upon that we expect our employees to be: Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions. Managing Risk - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework. Qualifications Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role. Listed below are skills, competencies, work experience, education, and required certifications/licensures needed to be successful in this position. Preferred SkillsBanking Products, Client Prospecting, Customer Relationships, Customer Solutions, Documentations, Innovation, Mortgages, SalesCompetenciesCustomer Experience Management., Effective Communications, Financial Analysis, Loan Origination, Matrix Management, Mortgage Products., Sales Tasks And Activities, Scheduling Work and Activities, Selling.Work ExperienceRoles at this level typically require a university / college degree with < 1 year of professional experience and/or successful completion of a formal development program. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.EducationNo DegreeCertificationsNo Required Certification(s) LicensesCandidates being considered for this position will be subject to additional background checks as required by Consumer Financial Protection Bureau regulations.BenefitsPNC offers a comprehensive range of benefits to help meet your needs now and in the future. Depending on your eligibility, options for full-time employees include: medical/prescription drug coverage (with a Health Savings Account feature), dental and vision options; employee and spouse/child life insurance; short and long-term disability protection; 401(k) with PNC match, pension and stock purchase plans; dependent care reimbursement account; back-up child/elder care; adoption, surrogacy, and doula reimbursement; educational assistance, including select programs fully paid; a robust wellness program with financial incentives.In addition, PNC generally provides the following paid time off, depending on your eligibility: maternity and/or parental leave; up to 11 paid holidays each year; 9 occasional absence days each year, unless otherwise required by law; between 15 to 25 vacation days each year, depending on career level; and years of service. To learn more about these and other programs, including benefits for full time and part-time employees, visit pncthrive.com. Disability Accommodations Statement If an accommodation is required to participate in the application process, please contact us via email at AccommodationRequest@pnc.com. Please include “accommodation request” in the subject line title and be sure to include your name, the job ID, and your preferred method of contact in the body of the email. Emails not related to accommodation requests will not receive responses. Applicants may also call ************ and say "Workday" for accommodation assistance. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations. At PNC we foster an inclusive and accessible workplace. We provide reasonable accommodations to employment applicants and qualified individuals with a disability who need an accommodation to perform the essential functions of their positions. Equal Employment Opportunity (EEO) PNC provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law. This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA) and, for any registered role, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) and/or the Financial Industry Regulatory Authority (FINRA), which prohibit the hiring of individuals with certain criminal history. California Residents Refer to the California Consumer Privacy Act Privacy Notice to gain understanding of how PNC may use or disclose your personal information in our hiring practices.

The Loan Processor supports multiple loan officers that specialize in anything from a simple unsecured loan, to a complex commercial real estate loan, and everything in between. To help loan operations provide reliable, consistent service to the customers, the loan processor: responds to emails and phone calls, helps loan officers stay in compliance, prepare and interpret financial documents, and work well under pressure and deadlines. The Loan Closer is responsible for all aspects of the closing process and ensures all terms of the loan are met. The Loan Closer works directly with processing, sales and management to effectively communicate the status of loan closings between title and company. What you have already achieved: (Requirements) 2+ years of experience in a lending atmosphere with specific knowledge of loan operations/servicing duties and a basic understanding of underwriting guidelines Experience with data entry and Microsoft Office products, LaserPro LOS, Finastra Phoenix Core and ECM imaging A precise attention to details The motivation to learn and constantly improve skills, processes and tools The people skills required to work with all different types personalities from various backgrounds Good judgment and the ability to keep information confidential The ability to work with little to no supervision What you are great at: (Responsibilities) Process an application and verify accuracy of information supplied. Explain disclosures and loan processes to the borrower. Order credit report, flood determination, appraisal, background reports, survey and title insurance. Review appraisals and title insurance received for issues or concerns. Prepare loan closing documents and send them to the title company. Fund loans and disburse funds. Answer customer questions in a timely manner in-person, by phone, email, fax or mail. Conduct inspections on various types of collateral including real estate, equipment and motor vehicles. Coordinate with loan officer, borrower, realtor and title company to schedule loan closings. Perform compliance check to ensure appropriate documentation, liens perfected and file maintenance completed. Balance closing statements with loan evaluations to 'balance' the statement with the lender's figures. Coordinate closings with title companies. Ensure the quality and accuracy of loan level closing and funding data. Manage and organize all files and documents related to loan closings. Manage receipt, review and mark-up of title commitments. Correct errors with team members or third parties, if applicable. Review construction draw requests, order inspection, ensure proper documentation of files for each draw. Spread financials within the system for business, trust, personal and properties to ensure qualification of borrower/guarantor. Produce preliminary term sheets for clients based on loan request, available collateral, and product guidelines. Send an annual review request with documentation needed to complete the annual review. Work with attorneys to prepare loan documentation, ensure the attorney has all required information of the transaction to ensure best enforceability of loan and bank protection. Check valuation for loan officers on their requests for loans in the branches. Field client calls on transaction, closing procedures, loan updates. What you are motivated by: A fast pace. We've grown exponentially and new team members continue to join our DLP family. A leadership team that trusts each other, communicates effectively, and is committed to helping team members grow, both personally and professionally. Visionary, smart, and innovative CEO. Ours is the kind of leader you read about, hope to work with, and learn from. A culture focused on developing and investing in team members - coaching, training, and supporting each other. We have a mantra of “Leaders made here” at DLP, focused on developing and growing leaders. Our Mission: DLP Bank - where Dream, Live, Prosper isn't just our name, it's our philosophy. Our commitment is to deliver a banking experience that helps you dream bigger, live better, and prosper more. Benefits and Perks: Health/dental/vision/life insurance, 401(k) matching, learning/educational incentives, Volunteer Time Off, well-being programs, company events, self improvement/productivity tools, & the incredible feeling of making a difference. DLP is a committed Equal Opportunity Employer. If you are a qualified individual with a disability and require assistance in searching for a position or submitting an application, please contact HR at *****************. Offers of employment are conditional upon satisfactory completion of pre-employment background verification (including E-Verify). California applicants can view our California Data Privacy Policy here.

At PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. We work together each day to foster an inclusive workplace culture where all of our employees feel respected, valued and have an opportunity to contribute to the company's success. As a Supervising Mortgage Loan Officer within PNC's Mortgage organization in the following locations Greater Orlando, Tampa/St. Pete, Jacksonville or SW Florida. PNC is an in-office company that fosters a supportive culture where employees can thrive and achieve balance. We encourage candidates to connect with their recruiter and hiring manager to understand workplace expectations and ensure the role aligns with their goals. PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position. Job Description * Recommends loan solutions in accordance with lending guidelines and clients' requirements. Manages daily loan activities of a small, high performing Mortgage Loan Officer team. * Manages a portfolio of customer relationships. Seeks prospective opportunities to retain and/or develop new clients. Prepares loan solutions and refers other banking products and services; reviews documentation to ensure compliance. * Grows, retains and develops an effective sales force to cover the geography of the market. Manages own and team's pipeline for efficiency. * Collaborates with internal and external stakeholders to complete mortgage transactions. * Collects and analyzes customer financial information for multifaceted and/or complex borrowers. PNC Employees take pride in our reputation and to continue building upon that we expect our employees to be: * Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions. * Managing Risk - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework. Qualifications Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role. Listed below are skills, competencies, work experience, education, and required certifications/licensures needed to be successful in this position. Preferred Skills Banking Products, Client Prospecting, Customer Relationships, Customer Solutions, Documentations, Innovation, Mortgages, Sales Competencies Coaching Others, Customer Experience Management., Effective Communications, Financial Analysis, Loan Origination, Matrix Management, Mortgage Products., Sales Tasks And Activities, Selling. Work Experience Roles at this level typically require a university / college degree, with 2+ years of relevant professional experience. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered. Education No Degree Certifications No Required Certification(s) Licenses Candidates being considered for this position will be subject to additional background checks as required by Consumer Financial Protection Bureau regulations. Benefits PNC offers a comprehensive range of benefits to help meet your needs now and in the future. Depending on your eligibility, options for full-time employees include: medical/prescription drug coverage (with a Health Savings Account feature), dental and vision options; employee and spouse/child life insurance; short and long-term disability protection; 401(k) with PNC match, pension and stock purchase plans; dependent care reimbursement account; back-up child/elder care; adoption, surrogacy, and doula reimbursement; educational assistance, including select programs fully paid; a robust wellness program with financial incentives. In addition, PNC generally provides the following paid time off, depending on your eligibility: maternity and/or parental leave; up to 11 paid holidays each year; 9 occasional absence days each year, unless otherwise required by law; between 15 to 25 vacation days each year, depending on career level; and years of service. To learn more about these and other programs, including benefits for full time and part-time employees, visit pncthrive.com. Disability Accommodations Statement If an accommodation is required to participate in the application process, please contact us via email at AccommodationRequest@pnc.com. Please include "accommodation request" in the subject line title and be sure to include your name, the job ID, and your preferred method of contact in the body of the email. Emails not related to accommodation requests will not receive responses. Applicants may also call ************ and say "Workday" for accommodation assistance. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations. At PNC we foster an inclusive and accessible workplace. We provide reasonable accommodations to employment applicants and qualified individuals with a disability who need an accommodation to perform the essential functions of their positions. Equal Employment Opportunity (EEO) PNC provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law. This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA) and, for any registered role, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) and/or the Financial Industry Regulatory Authority (FINRA), which prohibit the hiring of individuals with certain criminal history. California Residents Refer to the California Consumer Privacy Act Privacy Notice to gain understanding of how PNC may use or disclose your personal information in our hiring practices.

Mount Laurel, New Jersey, United States of America **Hours:** 40 **Pay Details:** $11.54 - $15.50 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role. **Line of Business:** Personal & Commercial Banking **Job Description:** The Mortgage Loan Officer sells and originates residential mortgage loans to sales goals. The Mortgage Loan Officer takes residential mortgage loan applications and offers or negotiates terms of residential mortgage loans. Pay Range- $11.54 per hour depending on established local minimum wage plus commission. **Depth & Scope:** + Meets with Prospects identified directly as well as referred by realtors, developers, attorneys and other external and internal referral sources + Explains variety of mortgage products and services available and offers recommendations based on evaluation of individual prospect needs + Guides Customers through the mortgage application process + Explains information required and other aspects of the loan process to Customers + Ensures applications are completed accurately and contain required information and supporting documentation + Manages Customers expectations regarding processing times and closing dates + Sells and originates residential mortgage loans according to established policies and procedures and applicable legal and regulatory guidelines + Generates referrals for mortgage sales opportunities and sales of other Company business line products + Develops plan to achieve sales goals with assistance from sales management + Enters information into mortgage loan system so that loans will appear accurately in the pipeline + Creates supporting files with backup and explanatory documentation and information for underwriting, regulatory and other purposes + Sends application and other required information to underwriting area + Underwrites loans using point-of-sale underwriting systems within scope of authority + Communicates loan decisions directly to Customers and explains any additional information needed + Submits application materials and other required information to processing area to clear any conditions, finalizes the loan commitment, and prepares for closing + Communicates regularly with Customers, underwriters, processors, realtors, closing agents and others to ensure application process proceeds as planned + Attends closings as needed + Develops knowledge of current industry practices and trends by learning from more experienced sales personnel and by attending continuing education training and seminars, including but not limited to the full array of Company products and services as well as mortgage laws and regulations + Develops knowledge of policies, procedures, rules and regulations related to retail mortgage products + Participates in homebuyers' seminars, home shows, brokers' meetings and other home financing workshops + Recommends changes to products, programs and/or pricing + Ensures TD Bank maintains successful audits and exams within all areas + Deals with complex mortgage needs **Education & Experience:** + Bachelors degree or progressive work experience in addition to experience below + 2+ Years of mortgage origination experience + Proven Sales ability + Developing knowledge of mortgage industry, products, lending practices and regulatory guidelines + Maintains the highest level of sales ability and negotiation skills + Self-directed, ability to plan own activities to achieve sales goals + Strong time management skills + Excellent communication skills, both verbal and written + PC skills, including ability to learn mortgage origination and automated underwriting systems **OCC Language:** + This position falls within the definition of Loan Originator as defined under Regulation Z of the Truth in Lending Act, 12 CFR Part 1026.36, and the definition of Mortgage Loan Originator as defined under the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), 12 U.S.C. §§ 5102 et seq., and its implementing regulations, 12 CFR Part 1007 + Must be eligible for employment with a covered financial institution under the standards established by Regulation Z of the Truth in Lending Act, 12 CFR Part 1026.36 + Must be eligible for registration as a registered mortgage loan originator with the NMLS (Nationwide Mortgage Licensing System and Registry) in accordance with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), 12 U.S.C. §§ 5102 et seq., and its implementing regulations, 12 CFR Part 1007 + Satisfactory results on a criminal background check and a credit report check, and statements/certification from job applicant regarding administrative, civil, and/or criminal findings by any government agency/authority, are required by federal law for this position **Physical Requirements:** Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% + Domestic Travel - Occasional + International Travel - Never + Performing sedentary work - Continuous + Performing multiple tasks - Continuous + Operating standard office equipment - Continuous + Responding quickly to sounds - Occasional + Sitting - Continuous + Standing - Occasional + Walking - Occasional + Moving safely in confined spaces - Occasional + Lifting/Carrying (under 25 lbs.) - Occasional + Lifting/Carrying (over 25 lbs.) - Never + Squatting - Occasional + Bending - Occasional + Kneeling - Never + Crawling - Never + Climbing - Never + Reaching overhead - Never + Reaching forward - Occasional + Pushing - Never + Pulling - Never + Twisting - Never + Concentrating for long periods of time - Continuous + Applying common sense to deal with problems involving standardized situations - Continuous + Reading, writing and comprehending instructions - Continuous + Adding, subtracting, multiplying and dividing - Continuous The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes. **Who We Are:** TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. **Our Total Rewards Package** Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more (*************************************** **Additional Information:** We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home. **Colleague Development** If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals. **Training & Onboarding** We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role. **Interview Process** We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. **Accommodation** TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at *************** . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process. Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week. We encourage you to become a part of VyStar Credit Union's family of employees. Senior Mortgage Loan ProcessorACCOUNTABILITY STATEMENT The Senior Mortgage Loan Processor ensures members receive quality mortgage loan service according to VyStar mortgage practices, procedures, and policies. Must stay abreast of conventional and equity mortgage guidelines. Responsible for assisting the member through the mortgage process keeping them informed and moving toward a final loan disposition. Working with loan sales and underwriting as necessary and obtains information needed for underwriting to make a final loan decision. The Senior Mortgage Loan Processor works with the loan closer to ensure the member has a smooth closing experience. The incumbent reports directly to the Mortgage Loan Processing Supervisor and indirectly to the Mortgage Loan Processing Manager. ESSENTIAL RESPONSIBILITIES Pipeline Management: Maintain an active mortgage loan pipeline as assigned. Handle various loan types (equity, second, refinance, purchase, VA, FHA, construction, reno to perm). Member Communication: Keep members informed throughout the process. Approval Conditions: Clear approval conditions as determined by the underwriter. Documentation: Prepare and maintain electronic notes on file activity and member contact. Credit Application Review: Assess credit worthiness in compliance with policies and guidelines. Verification: Obtain and review documentation for income, employment, and assets. Ordering Reports: Order and review necessary reports such as credit reports, appraisals, DRIVE report, Fanni Mae Desktop Underwriter, Freddie Mac Loan Product Advisor, title, Flood Certification, and insurance. Insurance Information: Ensure all pertinent insurance information is documented. Underwriting Preparation: Prepare and submit files for final underwriting decisions. Loan Cancellations: Manage tasks related to member-initiated cancellations and underwriter declinations. Closing Coordination: Work with loan closers to ensure smooth closing experiences. Compliance: Ensure compliance with state and federal regulations. Goal Alignment: Understand and work towards department and Credit Union goals. Adherence to Values: Consistently follow VyStar's core values and Code of Ethics. Process Improvement: Recommend improvements for service and efficiency to management. Productivity: Maintain high volume productivity. Service Level Agreements: Maintain service level agreements as published by Fulfillment management with member communication, file submission, and timing gates. Training and Meetings: Develop training for Loan Processors and hold weekly team meetings. Subject Matter Expert: Assist with troubleshooting and escalations. System Testing: Engage in system testing and modifications. Procedure Review: Review annual procedures for accuracy. Team Liaison: Act as Team Liaison in the supervisor's absence. Mentorship: Mentor mortgage loan processors. Technical Resource: Provide technical information and guidance to Mortgage Loan Processors. Consistently adheres to VyStar core values and Code of Ethics and acts in accordance with those values. Perform additional duties and responsibilities as assigned. All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance. The incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job: Focus- Focus your full attention by carefully listening to and observing internal and external members. Connect -Consistently be friendly and approachable. Demonstrate your care. Understand- Listen empathetically and ask questions (70%/30% rule). Counsel- Recommend solutions based on your member's needs and objectives. Advance- Ensure that the members' expectations were exceeded. Verify necessary follow-up actions. JOB QUALIFICATIONS EDUCATION High School Diploma or GED is required. Additional specialized training or classes in mortgage lending beyond high school is necessary. Ongoing education through local workshops and conferences is mandatory to stay updated on federal regulations and secondary market standards. CERTIFICATION The employee is required to fulfill and uphold all criteria as a registered mortgage loan originator working for a Federally regulated Institution under the Nationwide Mortgage Licensing System and Registry (NMLS). The employee must comply with all provisions of the Act as defined in the Secure and Fair Enforcement of Mortgage Licensing Act of 2008 (S.A.F.E. Act) and credit union S.A.F.E. Act Procedures. EXPERIENCE A minimum of four years of experience in a direct mortgage lending and consumer interaction role is required, within the mortgage lending sector. KNOWLEDGE, SKILLS, & ABILITIES Familiarity with government, construction/reno to perm, conventional and equity loan financing, along with a comprehensive understanding of all regulations related to mortgage lending, is preferred. The candidate must possess knowledge and experience in utilizing Microsoft Office applications. Demonstrates strong written and verbal communication skills, active listening, attention to detail, professionalism, and the ability to collaborate effectively across all levels to support seamless team workflows and member engagement. The ability to thrive in a fast-paced environment and a proven track record of collaboration with others is also required. Candidates must be able to work independently at a highly professional level. DISCLAIMERS AND WORK ENVIRONMENT Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management. The work environment characteristics described are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects. VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union. No placement fee will be paid if a candidate is hired as a result of the referral, or through other means. Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members. Thank you again for your interest in this position! VyStar Credit Union Human Resources

Job Description Truehold-one of the nation's top players in the real estate investment space, with 200+ employees across 15+ markets-is expanding their mortgage lending operations with the growth of Truehold Financial. This role offers a competitive base salary plus commission. Since this is a newer business line within the organization, we are looking for someone entrepreneurial, start-up oriented, and eager to sell and contribute to broader lending operations. Key Responsibilities: Manage and convert inbound leads for real estate investor (DSCR, Fix-and-Flip, RTL, etc.) and consumer-purpose mortgage products Qualify borrowers, collect documentation, structure scenarios, and submit clean files to ops to deliver a smooth, professional end-to-end borrower experience Diagnose investor needs, structure scenarios, and guide borrowers to the best loan options Manage a fast-moving pipeline with strong follow-up and speed-to-lead and consistent meeting of monthly production goals Collaborate with processing, underwriting, and partners to move loans from application to funding efficiently Maintain full compliance with internal and regulatory requirements Provide actionable feedback to improve workflows, turn times, and borrower experience Contribute to building Truehold Financial's best-in-class lending programs Required Qualifications: 2+ years of experience as a Mortgage Loan Officer/Originator Proven track record converting inbound leads and originating mortgage loans Real estate investor loans preferred, consumer mortgages a plus Proficiency working with a CRM, LOS and pricing engines Knowledge of underwriting standards and loan structuring best practices. Excellent communication skills and a collaborative mindset Highly motivated, organized self-starter with the ability to work independently and hit goals in a dynamic setting. Preferred Qualifications: Active NMLS license preferred (required only for consumer-purpose loans. Experience in a startup or fast-paced lending environment Familiarity with capital markets dynamics, pricing models, and investor product variants Experience representing a lender at investor events or industry groups We Provide: Competitive compensation with fixed-fee commissions per loan Consistent inbound lead volume from our in-house marketing team generating thousands of leads per month Supportive, entrepreneurial environment where your input and performance have immediate impact Exposure to a high-volume investor and SFR lending ecosystem Opportunity to grow with a rapidly scaling mortgage platform

Job Description Job Title: Loan Processor - Loan Originations Job Overview: As a Loan Processor, you will play a vital role in our mortgage lending operations, responsible for efficiently processing loan files from application to closing. Having successfully completed training and a probationary period as a Trainee, you will utilize your expertise to collect and review borrower documents, communicate with customers, and collaborate closely with Loan Officers and Underwriters to ensure timely and accurate processing of loan applications. Key Responsibilities: Collect and review borrower documents, including income verification, credit reports, and property information, to ensure completeness and accuracy. Process loan files in compliance with company policies, regulatory guidelines, and investor requirements. Communicate with customers to request additional documents or information, provide status updates, and address inquiries throughout the loan process. Work closely with Loan Officers and Underwriters to resolve issues, address conditions, and clear loan file for approval. Maintain detailed and organized loan files, ensuring all documentation is properly documented and stored. Verify data accuracy in loan origination system and other relevant software platforms. Coordinate with third-party vendors, such as appraisers and title companies, to facilitate loan transactions. Adhere to established timelines and service level agreements to meet closing deadlines. Provide exceptional customer service, ensuring a positive experience for borrowers throughout the loan process. Minimum Qualifications: High school diploma or equivalent is mandatory; a college degree in finance or banking is preferred. Previous experience of 2-3 years in a professional office setting is required, ideally in an administrative or mortgage assistant role. Understanding of various loan products, including conventional loans, FHA, VA, adjustable/fixed-rate mortgages, etc., is essential. Highly driven and goal-oriented, with exceptional customer service and communication capabilities. Comfortable working in a dynamic, fast-paced environment. Skilled in managing a loan pipeline and associated tasks to meet designated turn times effectively. Proficient in Microsoft Office suite; capable of swiftly acquiring proficiency in the company's proprietary mortgage software products. Physical Demands: Capable of safely and proficiently performing essential job functions as per ADA, FMLA, and other relevant standards, meeting productivity criteria. Maintain consistent, punctual attendance in compliance with ADA, FMLA, and other regulations. Clear and articulate communication skills on the telephone. Ability to sit at a workstation for extended periods. Proficient in physical typing.