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Job Description SummaryReviews and verifies the mortgage application and all other documentation included in the application. Performs all processing and pre-closing tasks required to manufacture a loan in compliance with RFCU standards and best practices from point of application to submission to underwriting.
Job DescriptionESSENTIAL DUTIES AND RESPONSIBILITIES
Maintains a professional image and demeanor at all times consistently demonstrating Credit Union RISE Values and adhering to the Code of Ethics. Delivers friendly, caring service to internal and external members.
Reviews data integrity of loan files; reviews and analyzes credit, income, asset, and property documentation. Ensures file meets all investor, mortgage insurance, compliance and regulatory requirements.
Creates and sends disclosures/re-disclosures to loan applicants in compliance with applicable regulations.
Acts as a liaison between borrowers and all parties involved in the transaction. Communicates with borrowers for any items that are needed for the loan submission and keeps them regularly updated on the loan status.
Submits loan files to the underwriter for final approval and validation.
Uses established procedures to carry out routine work duties. Seeks guidance from team members to resolve issues and to identify appropriate issues for escalation.
Assesses member’s needs and concerns; provides consultative services to members regarding mortgage products and services.
Handles member complaints through phone calls, correspondence and follow-up; utilizes knowledge of Credit Union products and services to provide solutions to members concerns and problems; follows through to ensure member satisfaction.
Education / Experience
Two years’ experience with mortgage lending.
Must have a working knowledge of FNMA guidelines.
FHA, VA, and USDA experience preferred.
PHYSICAL DEMANDS The physical demands described here are representative of those that must be met by employees to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Intermittent standing, sitting and walking.
Using hands repetitively to handle, feel or operate computers and other standard office equipment.
Reaching with hands and arms.
Intermittent lifting and carrying between 5 and 25 pounds.
WORK ENVIRONMENTAn employee in this job works in a general office environment in a financial services facility.
Redstone Federal Credit Union is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, protected veteran status or status as an individual with disability. All qualified applicants will not be discriminated against on the basis of disability.We are proud to be a Drug-Free and Tobacco Free Workplace.
Seniority level
Entry level
Employment type
Full-time
Job function
Other
Industries
Banking
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