Mortgage Loan Processing/Closing Specialist

Title: Mortgage Loan Processing Closing SpecialistDepartment: Mortgage OperationsReports To: AVP of Mortgage OperationsJob Grade: 10 FLSA: Non-Exempt Last Modified: 1/6/2025Itu2019s a Job u2026 Only BetterAt UKFCU, weu2019re more than a Credit Union - weu2019re a community, and weu2019ve been proudly serving our members since 1937 As a rapidly growing, not-for-profit organization, weu2019re dedicated to making a real difference in the lives of our members and employees alike. If youu2019re looking for a workplace where you can grow, make an impact, and have fun while helping others, UKFCU is the place for youWhy This Role MattersThe Mortgage Loan Processing Closing Specialist plays a key role in supporting mortgage loan closings from approval through post-funding. This role ensures the accuracy and integrity of final disclosures, closing documentation, funding, and delivery processes. Itu2019s a vital function that helps ensure UKFCUu2019s compliance with lending regulations and investor requirements while creating a seamless experience for members completing the home financing journey.What Youu2019ll DoLoan Processing & Documentation ReviewReview loan application packages for accuracy, completeness, and compliance.Analyze borrower-provided financial documentation based on income structure and program requirements.Perform initial reviews of appraisals, title work, and legal descriptions to identify discrepancies or missing items.Ensure all required documentation is uploaded, indexed, and maintained accurately within the loan origination and imaging systems.Underwriting & Conditions CoordinationSubmit loan files to underwriting for initial and final approval municate with mortgage loan officers, applicants, and borrowers to obtain missing information or documentation.Coordinate the satisfaction of underwriting conditions to support timely loan approval and closing.Track file status and maintain processing timelines to ensure loans move efficiently through each stage.Closing Preparation & CoordinationCoordinate loan closings with title companies and closing attorneys.Prepare and issue initial Closing Disclosures in compliance with regulatory timelines.Prepare complete closing packages and deliver documentation to closing agents.Support post-closing needs as required to ensure loan files are complete and accurate.Reporting, Support & Cross-CoverageComplete required processing and closing reports as needed.Serve as back-up support for the Mortgage Application Specialist and Mortgage Loan Secondary Market Specialist during peak times or absences.Collaborate with the mortgage lending team to ensure consistent workflows and service delivery.QualificationsWho You AreExperience & Educationu2022 Associateu2019s degree or equivalent experienceu2022 3-5 years of experience in mortgage processing or closing requiredu2022 Strong understanding of federal and state mortgage regulationsSkills & Strengthsu2022 Thorough knowledge of loan documentation and closing practicesu2022 Excellent attention to detail and organizational skillsu2022 Proficiency in mortgage origination software and Microsoft Office SuiteKey Traitsu2022 Dependable and deadline-drivenu2022 Strong communicator and collaboratoru2022 Solutions-oriented and responsive to changing prioritiesWhatu2019s in It for You?Competitive salary and industry-leading benefits.Opportunities for professional growth and leadership development.A chance to make a lasting impact on our members and the organizationu2019s future.LegaleseEqual Opportunity EmployerUKFCU is an Equal Opportunity Employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. Employment decisions are made without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, genetic information, veteran status, or any other characteristic protected by applicable law.At-Will EmploymentEmployment with UKFCU is deemed u201cat-will,u201d which means that either you or the company may terminate the employment relationship at any time, with or without cause or notice, unless otherwise provided by law.Physical and Cognitive DemandsThis role requires a blend of physical activity and mental focus to effectively perform its essential functions. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this role. Key physical activities include sitting, standing, walking, and occasional lifting (up to 25 pounds). Youu2019ll also use your hands for various tasks, reach with your arms, and engage in conversations. Vision requirements include the ability to focus, perceive depth, and distinguish colors. Cognitive abilities essential for this role include judgment, auditory perception, memory, reasoning, and occasional persuasion.Work EnvironmentYouu2019ll primarily work indoors in a comfortable, climate-controlled office setting. The noise level is typically moderate, ensuring a focused yet dynamic work environment. Reasonable accommodations will be provided as needed to support an inclusive workplace.This job description provides a general overview of the responsibilities and expectations for this role. It is not a comprehensive list of tasks, and employees may be asked to take on additional duties to support team success. This position allows for an optional hybrid work arrangement which includes a combination of both in-office and remote work arrangements. (Maximum of two days remote, three days in-office). To be eligible for the program, employees must complete a minimum of 90 days of continuous, regular employment, be in good standing, and submit a formal hybrid work application prior to being eligible for hybrid work, pending supervisor approval. Work schedules will be established by the employee's supervisor according to business needs. Working locations and schedules may be altered at management discretion.

Created: 2026-01-19