Mortgage Fulfillment Specialist

Company: VyStar Credit Union
Location: Jacksonville
Posted on: April 5, 2026

Job Description:

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 reimbursementavailable 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. Mortgage Fulfillment Specialist ACCOUNTABILITY STATEMENT The Mortgage Fulfillment Specialist is accountable for providing support to the Mortgage Origination and Fulfillment Department. A substantial portion of the daily work involves handling confidential and sensitive member information which requires appropriate care. This position must have basic knowledge of financial institution protocol as well as basic knowledge of the mortgage lending environment including federal and state regulations as well as VyStar policies and procedures. The Mortgage Fulfillment Specialist reports directly to the Mortgage Fulfillment Supervisor and indirectly to the Mortgage Loan Processing Manager. ESSENTIAL RESPONSIBILITIES Quality Control Monitors VyStar’s online mortgage application system for incoming first mortgage, home equity loan (HELOAN), home equity line of credit (HELOC), land, Construction2Perm, FHA and VA applications daily. Completes loan file set-up of purchases, refinances, HELOAN, and HELOC’s. Determine loan status and assign accordingly. Sends initial disclosure and redisclosure package to members via electronic and via regular mail if the member did not accept electronic disclosures. Ensures that all loan files are disclosed timely and meet current Federal, State and NCUA guidelines regarding compliance. Initial and Redisclosures Daily email to management with applications received. Purchases with contract – Manually adjust fees according to contract for seller, buyer, lender, or realtor paid fees. If an application is received without a contract – email the loan originator to advise if there is a contract. Send out initial disclosures through USPS or FedEx. Purchases without a contract – if an application is received without a contract email originator to advise if there is a contract. If no contract, then manually adjust fees to be paid by the buyer. Send out disclosures through electronic, USPS or FedEx mail. Refinances, HELOAN, and HELOCs– review fees and send out disclosures through electronic or USPS mail or FedEx mail Member Service Communicate effectively and provide communication support to origination department as needed to ensure all members, internally and externally, receive timely contact. Including but not limited to rate options, appraised value, initial disclosures and application assistance. Support Desk Requests Daily completion of Written Employment Verification requests and follow ups from Mortgage Loan Origination and Mortgage Fulfillment Daily completion of Homeowners & Flood Insurance, Payoffs and Title Order requests and follow-ups from Mortgage Fulfillment team. Daily review of the Mortgage Support Requests email box to review and upload written verification requests for employment, homeowner's insurance, flood insurance and payoff requests from the Mortgage Loan Origination team and Mortgage Fulfillment Additional Responsibilities: Monitors the incoming member documentation via multiple (channels, including but not limited to right fax, email, incoming mail, and delivery through mortgage LOS. Review and name unidentified documents to facilitate automated distribution and electronic notification to appropriate mortgage staff of newly received loan file documentation. Participates on the User Acceptance Testing Team for mortgage loan origination systems releases and enhancements related to the origination of mortgage loan applications. Works cohesively with the Mortgage System Analyst as well as other testers to communicate results and proactively recommend improvements that will leverage technology to streamline the mortgage application process. Identify and make recommendations to the VP Mortgage Fulfillment, Mortgage Loan Processing Manager, Mortgage Sales Managers, Mortgage Fulfillment Supervisor, Processing Supervisor and Closing Manager regarding process improvements, quality member service, and increased efficiencies within the origination and disclosure of mortgage loans. Responsible for understanding mortgage department goals as well as Credit Union goals and pro-actively works toward attainment of those goals. 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. Demonstrates 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 your clients or member. Connect – Consistently be friendly and approachable. Demonstrate you care. Understand – Listen empathetically and ask questions (70% to 30%). Counsel – Recommend solutions based on your client’s or member’s needs and objectives. Advance – Ensure that member’s or client’s expectations were exceeded. Verify necessary follow-up actions were completed. JOB QUALIFICATIONS EDUCATION High School Diploma or GED required. 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 2 years of experience in a role involving direct customer interaction, including product sales, administrative processing, or customer service. Experience in a financial institution, preferably in mortgage lending, is preferred. Prior exposure to the lending processing, familiarity with credit reporting, terminology, evaluation, and interest computation methods is preferred. KNOWLEDGE, SKILLS, ABILITIES Computer literacy is required. Proficiency with Microsoft Office applications including Word, Excel, Outlook and Teams. Ability to manage multiple priorities, strong detail orientation, highly organized with a strong sense of urgency. Able to work in a fast-paced working environment and work overtime when needed. Ability to analyze information for preparation of reports and/or other documentation. The successful candidate for this position must have excellent communication skills and the ability to interface effectively with members and staff to ensure smooth workflow and provide efficient service to members while staying abreast of changing policies and procedures. Must be able to work independently on a professional level. Familiarity with conventional and equity loan financing as well as a high-level knowledge of all regulations governing mortgage lending is preferred. Assuming the above prior experience, an incumbent selected for this position would need three months to be fully functional in the position. 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

Keywords: VyStar Credit Union, Jacksonville , Mortgage Fulfillment Specialist, Accounting, Auditing , Jacksonville, Florida