Experience and Skills
ESSENTIAL FUNCTIONS:
• Live our mission and corporate philosophy on a daily basis: Build
Relationships and Add Value Everyday – B.R.A.V.E.
• Build member relationships that deliver value and demonstrate that
we care
• Ability to read and comprehend Mortgage F1003, and credit bureau reports
• Process loan applications and collect required documents for
mortgage loans
• Review all applicable mortgage documentation to comply with federal guidelines
• Understand and manage mortgage loan deadlines to ensure purchase
contract compliance
• Ensure all necessary disclosures (State, Federal and company
specific) are provided to client within defined timelines
• Serve as the primary contact and liaison between clients, sales
manager and assigned MLO
• Meet with borrowers to collect and analyze their information
regarding income, assets, debt in order to advise regarding different
and detailed loan programs and requirements and conduct meeting for
any follow up items needed.
• Assist loan officers in developing and maintaining relationships
with borrowers, realtors, builders, financial planners and other
referral sources.
• Liaison with processing department as needed to assist in obtaining
documentation necessary for final loan approval
• Provide continuing counsel and customer service to borrower
throughout the entire loan process
• Understand residential appraisal reports
• Familiar with TRID guidelines (Loan Estimate and Closing Disclosure)
• Provide excellent member service and/or facilitates product sales
through various channels. Deepens member relationships through needs
assessment and solution offerings from PMCU products and services
• Support and participate in our Community Outreach programs
• Ensure compliance with applicable regulations and corporate policies/procedures
• Responsible for related functions as required or assigned
• Strive to present oneself in a professional manner in all
interactions and communications while displaying the highest levels of
quality, honesty, integrity, confidentiality
• Work with team members, management, departments, and business
partners to promote excellent member service that is focused on
providing prompt, accurate and positive member experience
• Accountable for day to day interactions between members, coworkers,
managers, and volunteers
• Process various transactions when required
• Work independently with minimal supervision
• Exercise good judgment when seeking guidance, support, and/or direction
• Maintain member and Credit Union privacy, security and confidentiality
KNOWLEDGE, EXPERIENCE AND SKILL REQUIREMENTS:
• High school diploma, GED or equivalent
• 2 + years financial experience with a minimum of one year of
mortgage lending experience preferred, but not required
• Excellent communication and member service skills
• Understanding of regulatory and legal requirements
• Must be able to type 50-55 WPM with a 97% accuracy rate.
• Have familiarity with conventional and government mortgage loan
programs (FHA/VA/USDA) and guidelines
• Have knowledge and familiarity with the Encompass Loan Origination
System, Symitar Core Operating System or equivalent
• Ability to pass Colorado Notary Certification program and STAMP Program
• Excellent problem solving and computer skills
• NMLS #
WORKING CONDITIONS
• Standard office conditions
• May require long periods of standing
• Ability to lift 25 pounds in limited situations
• Long periods of computer and member interactions
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 our
endeavors.
Job descriptions are not intended as and do not create employment
contracts. The organization maintains its status as an at-will
employer. Employees can be terminated for any reason not prohibited
by law.
This Job Description is not a complete statement of all duties
and responsibilities of this position and may change with or
without notice.