Mortgage Delivery Processor

Thank you for your interest in a career with Centra.  A career at Centra Credit Union is more than a job; it is an opportunity to make a meaningful impact in our Members’ financial lives and our communities.  Centra was established in 1940 and is headquartered in Columbus, Indiana.  Centra is ranked among the top five largest credit unions in Indiana and among the most financially sound institutions in the United States.  Centra serves Membership throughout central and southern Indiana as well as other areas like Jamestown, NY, and Whitakers, NC.  Centra Team Members enjoy excellent benefits, an atmosphere that fosters family and work-life integration, a heritage of strong values, a high level of Team Member engagement in the achievement of results, and the opportunity for growth with the Centra Family.  Credit Unions are Not for Profit, Not for Charity, But for Service.  If these are the things that matter to you then please read on, we look forward to hearing from you.

Centra Credit Union has an exciting opportunity for a Full Time Mortgage Delivery Processor in Columbus, Indiana. This position is responsible for processing mortgage applications and being a point of contact for Mortgage Loan Consultants and Members. This position will deliver accurate and prompt disclosures; order, review, and coordinate all the conditions and documents required; and ensure each mortgage file is complete and accurate. A Mortgage Delivery Processor guides the file through all aspects of the process ensuring deadlines are met and loans are closed in a timely manner.

At Centra, we approach compensation with care and integrity, ensuring our pay practices reflect local markets while honoring our commitment to our Team Members. The starting wage for this opportunity is $24.42 per hour.  Hourly compensation is just one part of our total rewards approach. Eligible positions also offer a comprehensive benefits package designed to support you and your family.

Spanish/English interpreters may be eligible for an interpreting differential.

ESSENTIAL FUNCTIONS: This position may be required to perform additional duties as requested. Reasonable accommodations may be made to enable individuals with disabilities to perform.

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  Ensures timely and independent processing of mortgage loan applications in compliance with all applicable laws, regulations, and Centra policies and procedures.

  
  


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  Provides support to the Mortgage Loan Consultants and other Team Members concerning any questions, outstanding loan conditions, file status, and moving the file through the process.

  
  


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  Serves as a central point of contact for the borrower/Member, guiding them through the process, notifying them of their loan conditions, gathering their documents, keeping them informed of the status updates, and ensuring the Member receives quality service.

  
  


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  Maintains an active pipeline of loans, including purchase and refinance with both Conventional and Government loans (FHA, USDA, VA).

  
  


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  Prepares disclosure packages in accordance with TILA RESPA Integrated Disclosure (TRID) regulations, verifying the accuracy of the fees disclosed and delivering within the required timeframe. This includes the initial loan estimates, subsequent loan estimates, and all TRID defined change-in-circumstance disclosures.

  
  


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  Issues initial disclosure package, including Intent to Proceed to Borrowers, and ensures all applicable documents have been either e-signed or completed and returned by mail.

  
  


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  Issues adverse action notices for denied files. Processes incomplete and withdrawn files.

  
  


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  Prepares a pre-underwrite credit review and sets initial conditions according to Investor and Centra Guidelines. Calculates income from pay verification and validates sufficient funds needed to close. Reviews the application and documentation to ensure completeness and accuracy.

  
  


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  Orders and reviews all 3rd party services, including credit reports, appraisals, title work, flood certificates, homeowners insurance, and necessary verifications.

  
  


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  Completes Home Mortgage Disclosure Act (HMDA's) on all denied, withdrawn, and incomplete files.

  
   

EDUCATION & EXPERIENCE – (Equivalent combination of Education & Experience will be considered.)

High school diploma or general education degree (GED)

2 years related experience and/or training

Centra Credit Union is an Equal Opportunity Employer.