Job description

JOB DESCRIPTION

Provide information and credit union products and services to members according to all credit union policies and procedures and State and Federal rules and regulations. Interview applicants for real estate loans. Prepare, access, process, and document all required forms and related documentation for real estate loans. Approve or deny loan applications based on assessment of each applicant's background. Operate under moderate credit authority. Promote credit union products and services.

DUTIES AND RESPONSIBILITIES

- Adheres to the Credit Union’s core values and service standards.

- Demonstrates a high level of customer service with all secondary market and portfolio servicing needs to members, including but not limited to fielding member complaints, applying mortgage payments, answering escrow questions, addressing title concerns, misapplied payment issues, and general fielding of any service-related issues during pre-closing and post-closing functions of the mortgage process.

- Demonstrates teamwork in all interactions with coworkers and in the completion of duties and responsibilities.

- Ensures confidentiality of member information.

-Develop mortgage loan business through member seminars and calls to realtors, contractors, and other institutions.

-Establish and monitor control procedures for first-mortgage loan portfolio.

-Interview loan applications and assist members with the loan application process.

-Obtain and evaluate credit bureau reports on applicants and assess risk.

-Pull credit reports for all accounts, verify debts, and estimate monthly payments for any outstanding debts not listed and add them to debts on application.

-Approve or deny real estate loan applications and explain reasons for denial and create HMDA packet.

-Ensure that each real estate loan is processed accurately.

-Prepare mortgage loan application and document packet for closing.

-Pay title company fees for title searches, legal work, appraisals, all closing invoices and insurance premiums/ PMI.

-Pay real estate taxes, including calculating tax shortages and new monthly payments.

-Maintain accurate records od insurance and taxes on real estate loans.

-Maintain escrow accounts for the payment of members' taxes and insurance premiums.

-Manage second- mortgage portfolio and develop marketing plans for these products.

-Monitor delinquent real estate loans and take action as necessary.

Job Type: Full-time

Pay: $45,000.00 - $50,000.00 per year

Benefits:

• 401(k)
• Dental insurance
• Health insurance
• Paid time off
• Retirement plan
• Vision insurance

Schedule:

• 8 hour shift
• Day shift
• Monday to Friday
• Weekend availability

Experience:

• Fair Housing regulations: 2 years (Preferred)
• Consumer Lending: 2 years (Preferred)

Work Location: One location

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