Mortgage Loan Specialist

3 months ago


Chapel Hill, United States State Employees' Credit Union Full time

If you are motivated and believe in the credit union philosophy of "People Helping People," join our team

Purpose

Provide highest quality member service through the origination of quality residential mortgage and equity loan applications received through all delivery channels across the organization.

Duties

Receive and assist in the completion of real estate related loan applications, while serving as the primary point of contact for applicants during the application and initial approval stages.

Counsel potential home buyers and existing homeowners, while taking complete and accurate real estate loan related applications, and obtaining required documentation to facilitate initial loan approval.

Determine applicant(s) needs and offer appropriate mortgage products.

Independently assess applicant(s) credit worthiness, and affordability, with the ability/authority to extend initial pre-approval to applicant(s).

Identify, develop, and maintain a source of referrals for new mortgage lending opportunities.

Follow up with prequalified applicants and on other leads in a timely and effective manner.

Properly price and disclose loan applications.

Coordinate member engagement with Real Estate Lending Processing Center within Loan Administration.

Make recommendations regarding other Credit Union products and services.

Assist membership with servicing of existing mortgage and home equity loans.

Maintain a comprehensive knowledge of all real estate lending products, policies, procedures, and regulatory compliance.

Educate members on available services and make recommendations based on their needs.

Ensures well documented, easy to review loan application history notes within the Loan Origination System.      

Support branch employees with all real estate related needs and ensuring employees have the information needed in order to be comfortable referring all potential applicants to discuss mortgage lending opportunities.

Engage with the community on a regular basis by meeting with realtors and other third parties as well as attending community events in order to build and maintain mortgage loan pipeline.

Answer phone and perform other clerical duties as needed.

Complete additional tasks assigned by management.

Requirements

4-year degree, CCUE Certification, or Associate in Arts degree or Associate in Science degree via the North Carolina College Transfer Program (NC-CTP) preferred.

Minimum of 2 years’ lending experience.

Must possess the highest level of integrity and objectivity.       

Must possess excellent communication skills, both verbal and written.

Must be able to communicate with branch personnel, VPs, SVPs, attorneys, members, appraisers, realtors, etc.

Must have strong networking and relationship development skills.

Meets compliance and regulatory standards.

Makes lending decisions consistent with SECU loan policies.

Has registered as an active MLO with the NMLS.

Must be organized and detail oriented.

Must be willing to engage in ongoing training and professional development.

Must have basic computer skills.

Must be able to speak English fluently.

Must understand and be dedicated to the Credit Union philosophy and work ethic. 

Must adhere to the work schedule and attendance policies established by the Credit Union.

Job Environment

Office setting with physical proximity to other employees and members.  Some background noise from other employees, copy machine, and telephone.  Some local travel may be required.   

Physical Demands

Must be able to comprehend and carry out job demands.

Job requires a substantial amount of sitting.

Use hands and fingers to press keys on a computer keyboard to enter or retrieve information.

Use hands and fingers to press telephone keypad and lift telephone receiver.

Must be able to comprehend phone calls.

SECU provides equal employment opportunity to all qualified persons regardless of race, color, religion, age, sex, sexual orientation, gender identity, national origin, genetic information, disability, veteran status, or other classification protected by law.



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