Mortgage Lending Assistant

General Summary (What Is Done And Why)

The Mortgage Lending Assistant (MLA) position supports top producing Mortgage Advisers (MA). The MLA works closely with the Mortgage Advisor(s) on prospective and current clients, handling most questions and inquiries when the Mortgage Advisor is unavailable. The MLA assists in contacting clients and prospective clients regarding basic mortgage terms, and helps keep the Advisors abreast of their files with the respective loan processors, having a thorough understanding of all due diligence and documentation.

• Assisting MA with inputting new mortgage applications, quoting/locking rates, gathering and uploading borrower documents, pulling credit, sending disclosures, and making file updates within systems. Time: 50%
• Monitor and manage sales pipeline of mortgage applications taken but not yet closed; follow‑up with mortgage operations personnel to obtain loan status and outstanding conditions; assist with clearing of underwriting conditions; re‑structure loan terms and programs; monitor interest‑rate lock periods; verify closing figures with operations personnel prior to loan closing. Time: 20%
• Develop and maintain relationships with the escrow/title community to facilitate loan programs and stay abreast of opportunities and efficiencies. Represent the Credit Union at community real‑estate functions. Time: 20%
• Answer phone calls, take messages, quote rates and respond to borrower/realtor inquiries. Time: 10%

• High school diploma or equivalent.

• At least one year of mortgage lending experience, preferably as a loan processor.
• NMLS registration required upon hire.
• Experience working in Encompass desired.

• General knowledge of the real estate lending industry.
• Demonstrated mortgage origination or processing experience.
• Excellent communication skills.
• Knowledge of real estate laws, regulations, policies, and compliance.
• Ability to work in a high‑volume environment and anticipate loan file needs/issues.
• Strong mathematical skills and ability to perform complex financial calculations with a financial calculator.
• Strong proficiency with sales systems, including CRM, Origination Software, and other common Microsoft office applications. Specific knowledge or ability with Ellie Mae Encompass origination software preferred.

• Problem Solving
• Dealing with Ambiguity
• Time Management
• Demonstrates Courage
• Drive for Results
• Interpersonal Savvy Customer Focus
• Integrity and Trust
• Self-Development
• Business Acumen

• Ability to analyze and evaluate information.
• Ability to use good judgment and make sound decisions quickly.
• Ability to work and reason under pressure.
• Ability to prioritize in a multi-task environment.
• Ability to maintain a positive attitude and professional image.
• Ability to interpret lending guidelines and regulations.
• Demonstrated understanding of guidelines necessary to generate real estate loans.

• All available general office equipment as needed.
• All available computer software and hardware as needed.

• Daily personal, written, and phone contact with Credit Union staff.
• Daily personal, written, and phone contact with Credit Union management.
• Daily personal, written, and phone contact with Real Estate community.

Work involves standing and walking for brief periods of time, but most work is done from a seated position. There is potential for eye strain from reading detailed reports and computer screens. Deadlines, workloads, and pressure to achieve goals may cause increased stress levels.

Internal – Work is normally performed in a climate‑controlled office environment, with limited exposure to extreme heat/cold, poor ventilation, fumes and gases. The noise level is moderate and includes sounds of normal office equipment (computers, telephones, etc.). No known environmental hazards are encountered in normal performance of duties. The length of the day is unpredictable; long hours may be required to accommodate deadlines or special meetings.

External – Some overnight travel may be required; however, information on environmental conditions is not available.