Position comes with base salary plus commission, full
benefits, cell phone reimbursement and a marketing budget!
Interviews and evaluates loan requests for the purpose of making
first mortgage loans.
Takes appropriate actions and submits loan requests through
automated underwriting. Originates and processes loans according to
Provides excellent service to both new and established members.
This position contributes to a positive relationship between the
community, member and the credit union.
Provides excellent service to members
Interviews loan applicants and assist members with the loan
application including explanation of mortgage process and disclosures
Obtains and evaluate required documents, i.e.; credit bureau
reports, title work, appraisals, etc.
Collect and verify accuracy of documentation from member
Submit loan to underwriting for approval or denials. Explain
reason for denial.
Ensure each real estate loan is processed accurately, timely and completely
Mail preliminary disclosures and provide explanations if needed
Complete any additional processing if needed, submit any
outstanding conditions and resubmit loan to underwriting
Schedule closing with member, Title Company, doc prep and closer
Print final preliminary disclosures, and complete fee sheet
Submit complete file to doc prep 48 hours prior to closing
Assist walk-in members and telephone inquires as needed
Provide back-up for the V.P. or Mortgage Lending in their absence
Develops relationships with realtors
Assist in the marketing effort including SEG presentations, first
time home buyer seminars and community functions
Participates in on-going training classes and workshops
Cross-sells credit union service
Knows and follows credit union policies and procedures
Respects confidentiality of information handled
Performs other duties as assigned
Knowledge of state, federal, FannieMae/FreddieMac rules and regulations
Knowledge of mortgage products and generally accepted
Knowledge of loan policy, procedures and guidelines
Proficient with Calyx Point, Desktop Underwriter and Loan Prospector
Ability to work without supervision, multi-task and prioritize
Knowledge of data processing on-line systems
Substantial knowledge of credit union policies and services
Clear verbal and written skills
Ability to deal effectively and tactfully with members and staff
at all levels
Ability to communicate with members in common language
Ability to deal with conflict and problem solve effectively
Wage Range: $11.84-$17.77 plus commissions
This description has been reviewed to ensure that only
essential functions and basic duties have been included.
Peripheral tasks, only incidentally related to each position,
have been excluded.
Essential functions, requirements, skills, and abilities
included have been determined to be the minimal standards required
to successfully perform the positions.
In no instance, however, should the duties, responsibilities,
and requirements delineated be interpreted as all-inclusive.
Additional functions and requirements may be assigned by
supervisors as deemed appropriate.
In accordance with the Americans with Disabilities Act, it is
possible that requirements may be modified to reasonably
accommodate disabled individuals.
However, no accommodations will be made which may pose serious
health or safety risks to the employee or others or which impose
undue hardships on the organization.
The Credit Union believes that each employee makes a
significant contribution to our success.
That contribution should not be limited by the assigned responsibilities.
Therefore, this job description is designed to outline primary
duties, qualifications, and job scope, but not limit the incumbent.
It is our expectation that each employee will offer his/her
services wherever and whenever necessary to ensure the success of
Job descriptions are not intended as and do not create
The organization maintains its status as an at-will employer.
Employees can be terminated for any reason not prohibited by law.