Broadview Federal Credit Union · 1 month ago
Home Equity Lending Specialist
United States
Full-time
Remote
Entry Level
$22.62/hr - $27.15/hr
1+ years expBroadview Federal Credit Union is a company that values its employees, members, and community. The Home Equity Lending Specialist processes and underwrites home equity loan applications, ensuring a high-quality member experience and adherence to lending policies while communicating effectively with members.
CreditEducationFinanceFinancial Services
Responsibilities
Successful completion of Lender training and NMLS registration
Maintain a thorough understanding of all regulations that govern home equity lending, including the issuance of required disclosures
Processes and underwrites home equity loan applications placed by members through all channels, including the issuance of required disclosures
In-depth review of all property value determinations, credit reports, title reports, and other related documentation to ensure sound and accurate lending decisions
Through the credit report, evaluate member borrowing history, including repayment history with the Credit Union. Underwrite the loan request adhering to Credit Union Lending policy while determining risk and members ability to repay the loan in full. Submits recommended decision based on application details if the loan exceeds lending authority
Ability to analyze an applicant’s ability to repay by accurately reviewing all forms of income documentation such as tax returns, pay-stubs, and W-2s
Communicates directly with members regarding their loan applications in a highly effective and professional manner through multiple channels, including phone, email and LOS web messaging
Manages an application pipeline that includes both new applications daily and existing applications, to ensure timely turnaround
Uses a proactive service delivery approach to maximize each member interaction, sets expectations with the member for remainder of the loan process
Consistently renders accurate loan decisions in accordance with established policies and procedures
Uses strong analytical skills to review approved loans for items such as proper stipulation completion, proper rate and term handling, full document collection and identity verification, and ensuring proper system notation is maintained
Consults with members and recommends products and services that meet member needs such as payment protection
Is proficient in all technical applications including Loan Origination System, Intranet, Internet, and has in-depth knowledge of our core systems
Provides professional, quality service to members. Assists members and internal customers with questions and problems related to the credit union’s Home Equity loan programs
Is skilled in personal and telephone interviewing techniques, including the ability to discuss loan alternatives in such a manner that will elicit a positive response from members
Attends all appropriate job-related external and in-house training provided by the credit union and departmental staff meetings
Support the annual strategic goals demonstrating consistent effort to achieve assigned individual and team goals
Review and analyze credit reports with members, noting any findings, including poor credit to make accurate lending decisions. Offer knowledgeable financial counseling to members, remaining up to date on the current lending environment and economic conditions, as well as maintaining a strong and current understanding of lending risk
Acts as a champion for the use of digital loan processing solutions, including the online/mobile loan application, the Mobile Application Center and DocuSign
Provide recommendations for efficiencies and new ideas to meet goals
Demonstrate strong problem resolution skills by conducting research through various resources and solving problems independent of management assistance
Ability to assist other areas of Retail Lending as needed
Performs other duties as assigned
Qualification
Required
High School diploma and minimum of one (1) year of experience in a related field
Prior experience in underwriting, processing, real estate secured or consumer loans
Proficiency in financial analysis, credit report review, underwriting, and supporting documentation review
Ability to identify red flags in loan scenarios and supporting documentation
Prior experience in customer service, specifically cross selling within a financial services environment
Proficiency in Microsoft Word and Excel and loan origination system
Strong verbal and written communication and interpersonal skills
Strong mathematical and analytical skills
Demonstrate ability to prioritize work; self-motivated with enthusiasm for working independently in a team environment
Eligibility for MLO registration on the National Mortgage Licensing System (NMLS) is required
Skilled in effectively handling member service issues; including service recovery
Preferred
Prior experience at Broadview or other financial institution strongly preferred
Bilingual individuals who are fluent in a second language in addition to English are highly encouraged to apply
Benefits
A competitive benefits package
Company
Broadview Federal Credit Union
Broadview FCU provides personalized banking solutions, financial education, and a platform for bonus enrollment.
1001-5000 employees
Funding
Current Stage
Late StageLeadership Team
Michael Castellana
Chief Executive Officer
Earl T. Young
Chief Lending & Credit Officer
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