Originates mortgage applications and conducts interviews with loan applicants. Gathers documents to help support approval decision. Reviews closing disclosure with member to prepare them for closing. In accordance with sound underwriting practices as set out in policy and procedure, examines, evaluates, and submits borrower’s applicants for credit or extension of lines of credit.
ESSENTIAL DUTIES AND RESPONSIBILITIES
· Meets assigned sales and service goals.
· Originates applications and conducts interviews with loan applicants through various service channels to include online, phone, Loan Service Center and Member Service Center.
·Enters mortgage applications into the origination system, pre-qualifications, pulls credit reports, tax assessments, and DU Findings.
·Provides in person, online or by telephone, information concerning the mortgage loan process and procedures, as well as other credit union products and services.
·Adheres to the Member Service Standards set forth by the credit union at all times.
·Processes real estate loan applications, including, conforming mortgage loans to secondary market standards (ordering credit reports, wood infestation reports, and income/employment and Assets Documentation).
·Assists the VP Mortgage Lending with training opportunities such as monthly webinars, mortgage training for staff and other training needs within the credit union.
·Maintains application and approval records to comply with the “Home Mortgage Disclosure Act” for the credit union.
·Assists the VP Mortgage Lending with various monthly reports regarding mortgage origination.
·Assists members, branch, and call-center personnel with questions regarding the mortgage process, mortgage products, pending applications, and member inquiries.
·Responds to member and potential borrower requests via phone, email, online/chat, and in person.
·Acts as a liaison to third parties as required for the mortgage process to include appraisers, mortgage attorneys, realtors, and builders.
·Cross sells other credit union products.
·Other duties as assigned.
EDUCATION and/or EXPERIENCE:
High school diploma; and at least two years related experience and/or training in real estate lending; or equivalent combination of education and experience in a related field.
In 1955, 15 civilian employees at Shaw Air Force base in Sumter, South Carolina pooled their money to charter SAFE Federal Credit Union. Since then, SAFE has grown to over 130,000 members and just over $1.6 billion in assets. SAFE is the largest Midlands based credit union with 18 branches in eight counties in South Carolina.
SAFE exists only to serve our members, and when you join, you also become an owner. Our not-for-profit structure allows our members to enjoy generally higher dividends on savings, lower loan interest rates, and fewer fees. And you can be sure your money is safe with us, as all deposits are insured up to $250,000 by the National Credit Union Administration (NCUA).
