Mortgage Loan Specialist

Purpose

If you are motivated and believe in the credit union philosophy of "People Helping People," join our team! Experienced Mortgage Loan Specialist responsible for the full real estate loan process across all delivery channels. MLSs should have a solid understanding of the entire real estate loan cycle and servicing functions. Actively identifies, develops, and maintains a source of referrals from realtors, builders, Credit Union colleagues and the community for new mortgage lending opportunities.

• Receive and assist in the completion of real estate loan applications, serving as the primary point of contact for applicants during the origination process.
• Independently assess and underwrite real estate loan applications, including applicant creditworthiness, ability to repay, collateral valuation, and organizational risk; extend credit or deny within assigned tiered approval limits.
• Communicate approval or denial decisions to members in a clear and professional manner.
• Evaluate and verify income documentation, including personal and business tax returns, to inform approval or denial decisions.
• Counsel potential home buyers and existing homeowners, taking complete and accurate applications and obtaining required documentation for initial loan approval.
• Seek guidance for complex lending situations and approval authority from a Senior MLS or above.
• Stay updated on market trends, interest rates, and changes in lending policies and regulations to provide members with accurate information.
• Assist membership with servicing of existing mortgage and home equity loans.
• Collaborate with the RELO VP/SVP on training and loan approvals.
• Follow up with prequalified applicants and on other leads in a timely and effective manner.
• Price and disclose loan applications by determining interest rates and fees based on borrower creditworthiness, loan amount, term, and market conditions.
• Coordinate member engagement with the Real Estate Lending Processing Center within Loan Administration and assist members with loan closings.
• Maintain comprehensive knowledge of all real estate lending products, policies, procedures, and regulatory compliance.
• Educate members on available services and make referrals for other Credit Union products and services based on their needs.
• Ensure well‑documented, easy‑to‑review loan application history notes within the Loan Origination System.
• Work with the Lending Contact Center to provide assistance with mortgage lending calls when needed.
• Support branch employees with all real‑estate related needs and ensure they have the information needed to refer potential applicants.
• Use contact and follow‑up reports to cultivate member engagement throughout the home‑buying process and make SECU their lender of choice.
• Assist with community engagement by meeting with realtors and other third parties and attending community events to build and maintain mortgage loan volume.
• Perform consumer unsecured lending duties as assigned.
• Answer phone calls and perform other clerical duties as needed.
• Complete additional tasks assigned by management.

• Must have a high school diploma or GED equivalent.
• Preferred: bachelor’s degree, CCUE Certification, Associate of Arts or Associate of Science degree via NC‑CTP.
• Successful completion of Real Estate Lending (RELP) courses and subsequent exam is required before moving to this role.
• Additional Modules
  
  Required:
  
  Wires, Credit Cards, Estate Basics, Financial Advisory Services (FAS) Overview, Life Stages & Events.
• Has demonstrated proficiency in all aspects of the Associate MLS role.
• Minimum of 2 years’ mortgage lending experience strongly preferred.
• Minimum tier 2 lending limits assigned.
• Demonstrated proficiency at current lending approval authority.
• Must possess the highest level of integrity and objectivity.
• Must possess excellent communication skills, both verbal and written.
• Must be able to communicate with SECU personnel, VPs, SVPs, attorneys, members, appraisers, realtors, etc.
• Must have strong networking and relationship development skills.
• Meets compliance and regulatory standards.
• Makes lending decisions consistent with SECU loan policies.
• Has or is eligible to be registered…