Mortgage Specialist

The Freedom Federal Credit Union Difference

Freedom 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. We're looking for people to join our team, who share our vision and passion to make a positive financial impact on our members' lives. If you're 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 serves as 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 Union's 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 Processing
  • Interview 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 Support
  • Process 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 Management
  • Promote Freedom Federal Credit Union's 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.
• Compliance
  • Ensure 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 Experience

• Member Focus
• Mortgage Expertise
• Regulatory Compliance
• Communication and Collaboration
• Analytical Thinking
• Technology Proficiency
• Time Management

Required Experience

• High school diploma or GED required; associate or bachelor's degree preferred
• Minimum of two (2) years of experience in mortgage lending or financial services
• Current NMLS registration required
• Notary Public certification preferred
• Strong knowledge of lending regulations, mortgage documentation, and credit union operations
• Excellent organizational, analytical, and interpersonal skills
• Proficient in Microsoft programs

Interpersonal Skills

A significant level of trust and diplomacy is required to be an effective subject matter expert in the position. In-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 freedomfcu.org.

Freedom Federal Credit Union offers competitive compensation, and our benefit offerings include:

• Paid time off Accrual of 17 days in 1st year of employment
• 11 paid holidays with an extra floating holiday for your birthday
• Medical, Dental, and Vision coverage - Single and Family options available
• Supplementary Health Benefit offerings including Critical illness insurance, Accident Insurance, and Hospital Indemnity Plans
• Life and AD&D Insurance, Short-Term and Long-Term Disability Plans
• 401k Retirement Plan with employer match options after 1 year, potential for additional discretionary contribution from the organization each year
• Tuition Reimbursement options of up to $5,250 each year

Freedom 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 HumanResources@freedomfcu.org for assistance.