Real Estate Processing Specialist II

Final date to receive applications is 5 days after the date the role was posted.

Thank you for your interest in Bellco Credit Union! We’re a local not‑for‑profit organization that has been giving back to our members, the communities we serve, and of course, our employees since 1936. Offering one of the best employee benefits packages around, Bellco is a leader in fostering, developing, and engaging staff to become expert financial‑service ambassadors. You’re a part of something more at Bellco—a place you can be proud of.

Location: Meridian

Division: CMXO

The Real Estate Processing Specialist will support the Real Estate Processing Department by processing Home Equity loans, reviewing income, home valuations, and reviewing title reports. This role plays an important part in providing best‑in‑class service to our members. This position will work in collaboration with other departments and partners.

Reports to: Supervisor, Real Estate Processing

Supervises: None

Contacts: All levels of credit union employees, internal and external auditors, and vendors.

• Experience:
  • 3 years’ experience in loan processing, preferably in real estate lending.
  • Experience calculating W2 income and personal tax returns.
  • Knowledge of real estate lending and processing with an understanding of loan‑to‑value calculations and document preparation.
• Education: Bachelor’s degree in related field or equivalent experience preferred.
• Skills:
  • Strong communication, organizational, presentation, member service, and interpersonal skills.
  • Ability to make sound decisions based on department procedures, company guidelines and policies.
  • Ability to multi‑task in a fast‑paced environment while still being detailed and results‑oriented.
  • Demonstrates strong analytical/problem‑solving and time‑management skills.
  • Strong PC skills to include Microsoft Word, Excel, and real‑estate origination systems.

• Demonstrates Bellco’s Act Nice Behaviors and Core Values in all interactions with members, prospective members, and personnel in other Bellco departments.
• Completes activities and SLA goals associated with Real Estate – Processing. Responsible for the thorough review and documentation of loan documents provided by the members and 3rd‑party vendors to satisfy required conditions which includes income documents, title, and appraisal reports.
• Manages and distributes loan conditions which are received through a variety of channels.
• Daily communication with members, via their channel of choice, to provide updates and expectations throughout the loan process.
• Educates members on Home Equity products and assists members with all inquiries. Offers other products and services that meet members financial needs.
• Utilizes internal reports and dashboards to maintain required service levels and ensure all daily tasks are completed.
• Works in collaboration with other team members in Home Equity and other business areas.
• Prepares and participates in regular pipeline reviews with management to ensure daily tasks are met.
• Assists with coverage for co‑workers to maintain member communication and processes to meet service level agreements.
• Contacts vendors as needed to clarify data and reports received to thoroughly process loan.
• Ensures compliance with regulatory, and Agency requirements including but not limited to RESPA, Homeowner’s Protections Act of 1998, SCRA, Fair Credit Legislation, HMDA, and CFPB.
• Delivers best in class member experience within all loan channels and points of contact.
• Maintains regular and punctual attendance.
• Management retains the discretion to add to or change the duties of the position as business need dictates.

Office environment.

Bellco Credit Union provides a comprehensive benefits package to employees, including:
Medical, Dental, Vision, 401(k) with company match, Supplemental Life Insurance, Paid Vacation, Paid Sick Days, and Paid Holidays.

In addition to base compensation, Bellco Credit Union offers bonuses for the following roles:

• Non‑exempt branch roles may earn monthly bonuses for meeting production goals and quarterly bonuses for meeting team goals.
• Exempt branch roles may earn quarterly bonuses for production and team goals.
• Exempt non‑branch management roles may be eligible for an annual managerial bonus.
• Non‑branch non‑management roles may be eligible for on‑the‑spot bonuses for extraordinary performance.