Job Description

At Space Coast Credit Union (SCCU), our members are at the heart of everything we do. Since 1951, we’ve been committed to delivering financial services founded on integrity and a people-first philosophy.

As a Loan Processor IV - Mortgage Closer in our Melbourne Headquarters location, you'll act as a representative of SCCU and provide exceptional quality service for members; to prepare/transmit all approved loans originated through the Express Mortgages function and ensure a timely closing in order to exceed member expectations; to support all sales efforts of the Express Mortgages staff.

Why Join SCCU?

• Member-Focused Mission: Be part of a not-for-profit organization that reinvests in its members.
• Hybrid and Flexible Schedule Options: Available for select positions. This position is Hybrid with 2 days per week required in office.
• Career Growth: We prioritize internal promotions and offer on-the-job training.

This is a 90-day contract to hire position. Onsite required for the duration of contract then hybrid 2 days onsite.

• Bilingual required

Loan Processor IV - Mortgage Closer Duties and Responsibilities:

• Prepares the loan for closing and ensures all closing documents are correct and accurate and are in compliance with government and credit union regulations.
• Ensures that loan approval stipulations are met prior to loan closing, and that third party requests are transmitted and received in order to meet established time standards.
• Resolves member problems, obtains information, researches records, follows up on details, assesses member needs timely and efficiently and reports the results to the inquiring party to develop and sustain profitable member relationship.
• Prepare and audit closing documents in accordance with loan approval, compliance standards and investor guidelines.
• Review asset documentation to ensure the borrower has sufficient funds to close the transaction.
• Review final Closing Disclosures (CDs) and ensure all fees, terms and data are accurate.
• Ensure all pre-closing conditions and documentation requirements are met prior to closing.
• Coordinate and communicate closing details with title companies, attorneys, loan officers, processors and applicants.
• Handle funding tasks, including reviewing signed closing packages, verifying accuracy, and disbursing funds when applicable.
• Answer incoming calls, assist applicants with questions regarding their Closing Disclosure, loan documents, escrow, etc., or re-direct the caller to appropriate staff in other areas of department or the Credit Union.
• Maintain up to date knowledge and adheres to all regulations, policies, procedures and standards that pertain to this position.
• Ensure compliance with TRID, RESPA, TILA, and other federal and state regulations.
• Capable of handling a pipeline of 20-40 loan files, while meeting contract closing dates.
• Adheres to established productivity and loan quality standards to meet quality service standards.
• Supports the sales efforts of all Express Mortgages team members by providing the member with appropriate product and service materials in order to enhance the overall SCCU cooperative/member relationship.
• Attendance and punctuality are essential functions of this job.

Social Skills:

• Consistently demonstrates a courteous, tactful and professional approach in dealing with members and internal customers in accordance with established customer service standards. Demonstrates concern and respect for others in all interactions, and inspires their confidence and trust.
• Demonstrates effective face-to-face communications, and telephone interactions, in accordance with established customer service standards. Articulates ideas, including written communications in a clear, concise, and grammatically correct manner.
• Modifies personal style or approach in order to adjust to changing environments and respond quickly to new situations. Gives fair consideration to new points of view and reorganizes project/work in order to quickly accommodate urgent tasks.
• Consistently demonstrates self-motivation and independent problem solving skills, requiring only minimal direct supervision, in order to maximize individual productivity and efficiency and attain member satisfaction. Proposes enhancements to work methods or procedures in order to improve process efficiency and/or the quality of results.

Competencies:

• Attention to detail
• Time management
• Pipeline management
• Effective Communication
• Organization

Loan Processor IV - Mortgage Closer Qualifications:

Education and Training:

• Associated Degree or equivalent experience required
• Bilingual required

Prior Experience:

• 3-5 years processing, closing or banking experience is required.

Preferred:

• Mortgage Closing or Mortgage Processing experience. Familiarity with TRID and investor guidelines (Fannie Mae, Freddie Mac, FHA, VA).

Loan Processor III Compensation:

• Starting Compensation: $28.13 - $29.79 per hour
• Bonus Opportunity: Eligible for ONE SCCU Annual Bonus

This is a 90-day contract to hire position. Onsite required for the duration of contract then hybrid 2 days onsite.

SCCU Benefits:

• Health & Wellness: Medical, dental, and vision insurance, plus an Employee Assistance Program.
• Financial Perks: 401(k) match (5%), HSA match, and SCCU-paid insurance (short/long-term disability, life insurance).
• Education Support: Tuition reimbursement after one year of service.
• Generous Time Off: 20+ days of PTO, birthday PTO, and 11 federal holidays.
• Exclusive Discounts: Lower rates on loans, credit cards, and no fee SCCU accounts!

Hours:

• Monday – Friday: 8:00 - 5:00pm

About SCCU:

Since 1951, Space Coast Credit Union (SCCU) has proudly served our community, growing to over 685,000 members and managing $9 billion in assets. With 67 branches spanning Florida’s east coast, we are the third-largest credit union in the state. In 2025, we expanded into Orange County to better serve the growing East Orlando market.

As a not-for-profit financial institution, SCCU is dedicated to putting our members first. Unlike traditional banks, we return profits to our members through better rates, lower fees, and enhanced services. While we offer the same financial products—like checking, savings, and loans—our focus remains on empowering our members and supporting their financial well-being. With local decision-making and a commitment to exceptional service, we strive to make a meaningful difference in the lives of those we serve.

At SCCU, we also prioritize our team members by fostering a supportive and collaborative environment that encourages career growth and development. As we continue to grow, we are seeking talented, member-focused professionals to join our team and help deliver innovative financial solutions and outstanding service.
I UNDERSTAND this application a legal document for purposes of your employment. Upon acceptance of an offer with SCCU, I UNDERSTAND that I will be required to complete background, employment verifications, and drug screening. I UNDERSTAND further that any misstatements or omissions in this application and pre-employment process can be considered falsification and will result in a decision not to hire me, or to discharge me if discovered after I am hired. I UNDERSTAND that the information requested regarding date of birth, race and sex is for the sole purpose of gathering the above information accurately, and will not be used to discriminate against me in violation of any law. In compliance with federal law, all persons hired will be required to verify identity and eligibility to work in the United States and to complete the required employment eligibility verification document form upon hired.

SCCU is a drug-free workplace. I understand that as a condition of my employment, I will be required to submit to any testing for the presence of drugs, and to submit to any procedure to assess my qualifications for employment. If hired, I ALSO AGREE that if I am hired, my employment is for no definite time and may be terminated at any time without prior notice.