Mortgage Specialist at Freedom Federal Credit Union

The Freedom Federal Credit Union DifferenceFreedom Federal Credit Union believes that a great member experience begins with a great team member experience. We value our team members not just for their talent but also for the difference they make to our members and the communities we serve. We strive to help our team members live up to their fullest potential and with that in mind provide each of them with a healthy safe and positive yet challenging work environment. A positive work-life balance personal growth purposeful work and recognition of accomplishments are an essential part of what we offer. Were looking for people to join our team who share our vision and passion to make a positive financial impact on our members lives. If youre ready to take the next step join Freedom to truly make a difference.This position is eligible for a $500 sign-on bonus.Summary:The Freedom Federal Credit Union Mortgage Specialist servesas a key resource for members seeking home financing solutions. This position guides members through the mortgage process from initial inquiry to loan closing ensuring all interactions meet Freedom Federal Credit Unions standards for accuracy compliance and member service excellence. The Specialist provides expert advice on mortgage products collaborates with internal and external partners and ensures adherence to all regulatory and organizational requirements.The Mortgage Specialist complies with all federal state and credit union policies and procedures including (but not limited to) the Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) and maintains confidentiality of member and organizational information at all times.Essential Duties & Responsibilities:Mortgage Origination and ProcessingInterview mortgage applicants to assess financial needs creditworthiness and eligibility.Review and explain mortgage programs qualification criteria and closing requirements.Conduct pre-qualification and pre-approval assessments.Obtain and analyze financial documentation to ensure compliance with internal and external lending regulations.Evaluate loan applications against credit union policies and underwriting guidelines.Submit loans for management or underwriting approval and monitor progress through closing.Perform quality control checks during origination processing and post-closing stages.Prepare complete loan files and documentation packages for submission to underwriting.Coordinate closings with title companies attorneys and in-house staff.Audit post-closing files and complete audit sheets as required.Monitor lender-paid closing costs and track outstanding documentation.Maintain active NMLS registration in compliance with the S.A.F.E. Act.Administrative and Member SupportProcess loan payoffs and prepare satisfaction documents.Track active mortgage loans resolve member inquiries and ensure timely responses.Evaluate loan files and system records to verify collateral protection including tax and insurance follow-up and title tracking.Notarize documents for members as needed.Assist with post-closing activities such as escrow setup insurance verification and document imaging.Monitor and track documentation to ensure accuracy and completeness.Outreach and Relationship ManagementPromote Freedom Federal Credit Unions mortgage products and services through proactive outreach and relationship-building.Deliver exceptional member service by providing clear communication and professional guidance throughout the loan process.Support business development initiatives by maintaining strong partnerships with real estate professionals title agents and other external partners.ComplianceEnsure adherence to federal and state mortgage regulations including TRID RESPA HMDA and Regulation Z.Prepare review and distribute all disclosures in accordance with regulatory timelines.Maintain thorough knowledge of lending policies procedures and compliance requirements.Protect the confidentiality of member data and ensure all documentation meets legal and organizational standards.Knowledge Skills and ExperienceMember FocusMortgage ExpertiseRegulatory ComplianceCommunication and CollaborationAnalytical ThinkingTechnology ProficiencyTime ManagementRequired ExperienceHigh school diploma or GED required; associate or bachelors degree preferredMinimum of two (2) years of experience in mortgage lending or financial servicesCurrent NMLS registration requiredNotary Public certification preferredStrong knowledge of lending regulations mortgage documentation and credit union operationsExcellent organizational analytical and interpersonal skillsProficient in Microsoft programsInterpersonal SkillsA significant level of trust and diplomacy is required to be an effective subject matter expert in the -depth dialogues conversations and explanations with members direct and indirect reports and outside vendors of a sensitive and/or highly confidential nature is a normal part of the day-to-day experience. Communications can involve motivating influencing educating and/or advising others on matters of significance.COMPANY INFORMATION:Freedom Federal Credit Union is a community-chartered federal credit union offering consumer financial services to those who live work volunteer worship attend school or have family in Harford Baltimore & Carroll Counties as well as Baltimore City. Additionally Freedom offers a full line of banking services for all businesses associations and other organizations that are based in those same locations. To learn more visit .Freedom Federal Credit Union offers competitive compensation and our benefit offerings include:Paid time off Accrual of 17 days in 1st year of employment11 paid holidays with an extra floating holiday for your birthdayMedical Dental and Vision coverage Single and Family options availableSupplementary Health Benefit offerings including Critical illness insurance Accident Insurance and Hospital Indemnity PlansLife and AD&D Insurance Short-Term and Long-Term Disability Plans401k Retirement Plan with employer match options after 1 year potential for additional discretionary contribution from the organization each yearTuition Reimbursement options of up to $5250 each yearFreedom Federal Credit Union conducts credit bond and background checks. All new hires must present evidence of authorization to work in the US. Freedom Federal Credit Union participates in the E-Verify program. Freedom Federal Credit Union is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race color religion sex sexual orientation gender identity national origin or protected Military/Veteran status and will not be discriminated against based on disability.If you are a disabled applicant and cannot apply online please contact Freedom directly at for assistance.Required Experience:IC Key Skills Loan Origination,Sales Experience,Microsoft Office,Financial Services,Customer Service,Organizational skills,Communication skills,Military Experience,Fair Housing Regulations,Inside Sales,Outside Sales,Word Processing Employment Type : Full-Time Experience: years Vacancy: 1 Hourly Salary Salary: 24 - 36