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SECU · 1 day ago

Senior Mortgage Loan Specialist

Hendersonville, NC

Full-time

Onsite

Senior Level

SECU is a credit union that believes in the philosophy of "People Helping People," and they are seeking a Senior Mortgage Loan Specialist. The role requires advanced knowledge of real estate lending and servicing, where the specialist will assist applicants through the mortgage process, assess loan applications, and provide guidance on complex lending scenarios.

AccountingBankingFinancial Services

Responsibilities

Receive and assist in the completion of real estate loan applications, while serving as the primary point of contact for applicants during the origination process via phone, digital delivery, email, and chat

Independently assess and underwrite real estate loan applications including but not limited to applicant(s) credit worthiness, ability to repay, collateral valuation, and organizational risk with the ability/authority to extend credit or deny for real estate loan products within assigned tiered approval lending limits. 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 with assistance as needed

Seek guidance for complex lending situations and approval authority from a District MLS or above

Proactively 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 on 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

Ensures 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 ensuring employees have the information needed to be comfortable referring all potential applicants to discuss mortgage lending opportunities

Work various contact and follow-up reports to cultivate member engagement throughout the home buying process and make SECU their 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

Work with lending contact center to provide assistance with mortgage lending calls when needed

Consumer unsecured lending as assigned

Qualification

Real estate lending knowledgeUnderwriting skillsIncome verificationMarket trend analysisRegulatory complianceCustomer serviceCommunication skillsTeam collaboration

Required

Thorough knowledge of all aspects of real estate lending and servicing

Advanced knowledge of income and secondary market standards

Ability to perform with a high level of accuracy

Proficient in real estate subject matters

Ability to assist Associate MLS and MLS with complex lending scenarios and decisions

Independently assess and underwrite real estate loan applications

Evaluate and verify income documentation, including personal and business tax returns

Counsel potential home buyers and existing homeowners

Proactively stay updated on market trends, interest rates, and changes in lending policies and regulations

Assist membership with servicing of existing mortgage and home equity loans

Price and disclose loan applications based on borrower's creditworthiness, loan amount, term, and market conditions

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

Ensure well documented, easy to review loan application history notes within the Loan Origination System

Support branch employees with all real estate related needs

Work various contact and follow-up reports to cultivate member engagement throughout the home buying process

Assist as needed with community engagement by meeting with realtors and other third parties

Company

SECU

Glassdoor3.4

Even though we're North Carolina's largest credit union, we're still just "people helping people." We currently serve over 2.6 million members through more than 270 branch offices - and growing! Members have 24/7 access to account services from over 1,100 ATMs, as well as via phone, our website, and the SECU Mobile App.

Founded in 1937