VyStar Credit Union

Mortgage Loan Officer

• responsible for originating residential first mortgage and equity loans
• participates in related business development activities
• ensuring quality mortgage loan origination servicing in accordance with VyStar policies, practices and procedures
• counsels members and evaluates credit applications
• solicits residential mortgage loans and equity loans through contacts with realtors, builders, and personal referrals
• provides quality service to members seeking residential mortgage loans
• interviews applicants to develop financial needs and assist in determining acceptable credit risk
• obtains and analyzes financial and credit data
• enters data into the point of sale origination software
• discusses application with member and addresses questions about mortgage loan programs
• maintains communication with processor regarding mortgage loan file progress
• documents communication with the member and/or other interested parties in the mortgage origination software
• assists mortgage loan processor and closer to obtain documentation for a smooth mortgage loan process
• proactively communicates loan status throughout the process

Mortgage Underwriter

• evaluating various types of mortgage loan applications, including conventional (Fannie Mae and Freddie Mac), FHA, VA, equity, construction-to-perm, renovation-to-perm, and specialty programs
• Review loan files to determine compliance with lender credit underwriting guidelines as well as government guidelines
• Review and validate borrower(s): income (including complex business and personal tax returns), credit, asset documentation, title and fraud reports
• Analyze loan files to determine credit worthiness of borrower
• Prioritize and manage files among new submissions, documents, and funding
• Work as a team with loan officers and other professionals to ensure file completeness
• Review government appraisal to ensure the value of the property is accurately presented
• Maintain production standard goals as established by management
• Re-underwrite loans when additional information has been received
• Be proactive in researching general underwriting scenarios and guidelines to stay up to date
• Consistently adheres to VyStar core values and Code of Ethics
• Provide service to the membership, Credit Union employees and third-party vendors
• Responsible for understanding mortgage department goals as well as Credit Union goals and pro-actively works toward attainment of those goals

Senior Mortgage Underwriter

Cloud Engineer

• Plan, design, configure and maintain VyStar’s enterprise Azure cloud server and storage environments
• Manage and develop VyStar’s private and public cloud infrastructure
• Monitor metrics and logs, respond to alerts, and troubleshoot systems
• Design, develop, and deploy modular cloud-based systems
• Develop scripts and automation to streamline operations

Senior Cloud Engineer

Vice President

• coaching, developing, and leading all Branch Vice Presidents
• growing new consumer and business memberships
• driving membership growth, business activities, and financial results
• conducting joint outside business calls and VyStar at Work presentations
• oversighting audits in all areas of branch operations
• encouraging continuous improvement

Mortgage Loan Officer

Senior Mortgage Underwriter

Senior Cloud Engineer

Regional Vice President