Location: Summerville,SC, USA
Duties & Responsibilities
* Provides members and Real Estate Lending personnel with quality mortgage loan processing according to the credit union's policies, practices, and procedures. Keeps abreast of all Fannie Mae underwriting guidelines as required.
* Prepares loan underwriting package for submission to underwriter.
* Obtains all needed deposit, income & employment verifications for loan packages.
* Orders appraisals, if applicable, flood determinations, private mortgage insurance.
* Coordinates communications between members, realtor, attorney, seller, and appraisal management firm.
* Requests payoffs and updated insurance declaration pages showing desired mortgagee clause.
* Complies with Credit Union Policies and Procedures, as well as regulatory compliance.
* Provides back-up to other Real Estate Lending staff as needed.
* Assumes other duties and responsibilities as required or assigned.
Skills & Qualifications
Education/Certification & Experience:
* Minimum 4 years experience processing conventional and government loans
* High school diploma or equivalent
* Knowledge of real estate lending criteria, compliance, federal/state regulations
Skills/Abilities:
* Excellent organizational, oral, and written communication skills
* Ability to perform in a fast-paced environment typical to Mortgage Banking
* Experience with Microsoft Word & Excel
* Experience with Calyx Point, Meridian Link/Loans PQ or Encompass Software
Qualifications
Behaviors
Preferred
Enthusiastic: Shows intense and eager enjoyment and interest
Dedicated: Devoted to a task or purpose with loyalty or integrity
Detail Oriented: Capable of carrying out a given task with all details necessary to get the task done well
Team Player: Works well as a member of a group
Motivations
Preferred
Ability to Make an Impact: Inspired to perform well by the ability to contribute to the success of a project or the organization
Goal Completion: Inspired to perform well by the completion of tasks
Growth Opportunities: Inspired to perform well by the chance to take on more responsibility
Self-Starter: Inspired to perform without outside help
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)