Associate Mortgage Loan Specialist

Overview

If you are motivated and believe in the credit union philosophy of "People Helping People," join our team! This is an entry‑level real estate lending position focused on development and training.

• Receive and assist in the completion of real estate loan applications, serving as the primary point of contact for applicants during the origination process.
• Assess, underwrite, and make recommendations for decision on loan applications, considering applicant(s) creditworthiness, ability to repay, collateral valuation, and organizational risk.
• 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 make informed approval or denial decisions.
• Counsel potential home buyers and existing homeowners, while taking complete and accurate real estate loan related applications and obtaining required documentation to facilitate initial loan approval.
• Seek guidance for complex lending situations and pursue approval authority from an MLS or above.
• Stay updated on market trends, interest rates, and changes in lending policies and regulations to provide members with accurate and timely information.
• Assist membership with servicing of existing mortgage and home equity loans.
• Follow up with prequalified applicants and other leads in a timely and effective manner.
• Price and disclose loan applications by determining the interest rates and fees associated with a loan, based on factors such as borrower’s creditworthiness, loan amount, term and market conditions.
• Coordinate member engagement with the Real Estate Lending Processing Center within Loan Administration.
• Maintain a 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 Lending Contact Center to provide assistance with mortgage lending calls when needed.
• Support branch employees with all real estate related needs and ensure employees have the information needed to be comfortable referring all potential applicants.
• Work in various contact and follow‑up reports to cultivate member engagement throughout the home buying process and position SECU as the lender of choice.
• Assist as needed with community engagement by meeting with realtors and other third parties as well as attending community events to build and maintain mortgage loan volume.
• Complete consumer unsecured lending as assigned.
• Answer phone and perform other clerical duties as needed.
• Complete additional tasks as assigned by management.
• Participate in additional training and continuing education to enhance knowledge of mortgage originations.

• Must have high school diploma or GED equivalent.
• Preferred: bachelor’s degree, CCUE Certification, or Associate of Arts or Science degree via the North Carolina Community College Transfer Program (NC-CTP).
• Attend Excel and Elevate – New Employee Training (E&E).
• Real Estate Lending Program (RELP) completed within 6 months, including 10 Core Modules and additional modules listed.
• Previous SECU and/or lending experience preferred.
• Minimum tier one lending limits assigned at this level.
• Completion of all requirements of the Associate MSO position preferred but at a minimum must learn specified quick actionable items.
• 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.
• Must meet compliance and regulatory standards.
• Must make lending decisions consistent with SECU loan policies.
• Has or is eligible to be registered as an active MLO with the NMLS.
• Must be organized and meticulous.
• Must be willing to engage in ongoing training and professional development.
• Must have basic computer skills with an ability…