Hybrid Mortgage Loan Assistant at First Community Credit Union

You are a perfect match for our Credit Union! 

The Mortgage Loan Assistant position is a key role at First Community and affords a rewarding career with competitive pay and excellent benefits. Opportunities abound to provide exceptional service while promoting our wide array of financial products and services. Employees who are successful in making referrals are eligible for monthly incentives.

Enthusiastic and outgoing individual can showcase their relationship building skills to enhance our customer banking experience. You will join a team of motivated, dedicated, and empowered employees who strive to provide superior service and conduct accurate transactions, while complying with policies, procedures, and regulatory banking requirements.

Requirements:

This position requires a high school diploma or equivalent and a proven track record in customer service. Secondary market lending experience is preferred. Familiarity with Byte loan origination software is a plus.

Must demonstrate a positive attitude, professional image, and be self-motivated and have the ability to manage multiple projects and tasks simultaneously with a high degree of accuracy. Must possess excellent oral and written communication skills. 

Essential Functions: 

• Assist Mortgage Loan Officers with originating and completing mortgage loan applications. May include following up on leads and scheduling in person and Zoom appointments for the Mortgage Loan Officer. 
• Process secondary market quality real estate loans and reviews and evaluates all files for readiness prior to submission for underwriting. 
• Utilize knowledge of secondary market guidelines to fully analyze employment, income, asset and credit information provided by borrowers. 
• Contact members regarding items including but not limited to loan status, loan documentation, changes to loan terms, final loan conditions, etc. 
• Apply basic property valuation knowledge for review of appraisals prior to underwriting.
• Maintain working knowledge of all Federal and Investor guidelines, including TRID in order to accurately apply them to loan files. 
• Works closely with Mortgage Loan Processor to ensure all required reports and services are ordered, rates are locked and points calculated on each file. 
• Perform basic administrative duties required to execute all tasks, i.e., scanning, filing, emailing, etc. 
• Obtains required NMLS licensure and works with Training & Development to complete annual training required to maintain license. 
• Adheres to established internal policies and procedures for compliance; completes required compliance training in a timely manner and complies with all regulations within scope of the position.
• Adheres to the requirements of the Bank Secrecy Act, OFAC, USA PATRIOT Act and anti-money laundering regulations.
• Accurately completes Currency Transaction Reports, follows internal procedures to report suspicious activity to the BSA Department, and collects required information to comply with the Customer Identification/Due Diligence Program and to meet other record keeping requirements defined by the Bank Secrecy Act.  

Base Expectations:

• Be willing to perform any duty (beyond Essential Functions above) as assigned.
• Represent the Credit Union with honesty, integrity and trust at all times, and confidentiality is of the utmost importance.
• Demonstrate a good understanding of the credit union’s loan policy and loan programs.
• Maintain a general knowledge of all of the credit union’s products and services.
• Possess a detailed working knowledge of Microsoft Word and Excel software applications that is adequate to perform the duties assigned.
• Ability to perform basic accounting and math principles.
• Provide exemplary service and foster teamwork throughout the credit union.
• Ensure good working relationships with Appraisers, Title Companies, Realtors, etc.
• Communicate effectively and professionally with members, coworkers and management.
• Support the Leadership Team.
• Ability to problem solve and make decisions within responsibility level.
• Maintain punctuality while adhering to the assigned work schedule.
• Attend all required meetings unless prior approval is granted.

Working Conditions: 

• Occasional lifting, carrying, pushing, and pulling of items weighing up to 60 lbs.
• Potential exposure to the threat of violence at any time.
• Occasional business travel may be required.
• Sitting or standing for extended periods of time may be required.
• Repetitive motions and extensive keyboarding may be required.

Company's website: www.myfirstccu.org

** First Community Credit Union is an equal opportunity employer. We are committed to diversity, equity and inclusion. All qualified individuals are encouraged to apply and will be given full consideration for employment regardless of race, color, age, sex, religion, veteran status, national origin, sexual orientation, disability or any other classification protected by applicable federal, state or local law. Applicants may request reasonable accommodation to participate in the application process. Equal opportunity employer, including protected Veterans and individuals with disabilities.