JOB SUMMARY

This position must exercise sound judgment based on a detailed analysis of all mortgage loan files, and ensure that all documentation follows investor guidelines and that all loans have been processed according to government regulations. This position will work with members of the Mortgage Operations team and the Mortgage Sales and Development team to ensure quality lending decisions are being made. This role is also assigned to additional monthly reviews and reconciliations of various audits and Quality Control duties.

KNOWLEDGE, SKILLS, ABILITIES AND PERSONAL CHARACTERISTICS

• Knowledge of:
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• Mortgage Lending functions
• Modern office equipment
• Credit Union products and services
• Credit Union operations, procedures, and systems
• Technology and various software programs including Mortgage Cadence, Symitar, Microsoft Office Products, Mortgage Servicer
• Ability to:
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• Educate effectively on processes

• Overcome objections
• Read and interpret a variety of instructions furnished in written, oral, diagram, and schedule form
• Organize and prioritize in order to meet deadlines
• Solve practical problems and deal with variables in situations
• Skill in:
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• Strong verbal and written communication

• Strong attention to detail and analytical skills
• Interpersonal and human relations
• Typing and personal computer

CRITICAL DEVELOPMENT EXPERIENCES:

Pursue opportunities for professional growth and development through training, education and self-study
Successfully complete all applicable compliance training and testing
Participate in webinars provided by Mortgage Cadence, Freddie Mac, and CMG

EDUCATION AND EXPERIENCE EQUIVALENT TO:

Requires a minimum of 5 years underwriting experience with at least 3 years as DE(FHA) and/or VA Underwriting with a valid DE(CHUMS) and/or a VA LAPP/DAR designation.

REQUIREMENTS

Regular attendance and timeliness are essential functions of this position. While performing this job, the employee is regularly required to sit or stand for a significant period of time and perform functions that require manual dexterity. The employee must occasionally reach above or below normal body position, stoop or bend, and carry, lift or move objects weighing up to 25 pounds. A normal range of hearing, vision, and speech are required to effectively work with co-employees and members.

REGULATORY COMPLIANCE & CONFIDENTIALITY

Follows regulatory and policy compliance requirements, which include those efforts in compliance with Bank Secrecy Act (BSA), Office of Foreign Asset Control (OFAC) and Anti-Money Laundering (AML) Regulations, Identity Theft Red Flags and other compliance related Policies. This position also requires maintaining confidentiality with regard to non-public information about our members and the Credit Union.
This job description should not be interpreted as all inclusive. It is intended to identify the duties, responsibilities and requirements of this job. Incumbents may be requested to perform job-related responsibilities and tasks other than those stated in this description. Any physical demand of essential function or requirement of this position will be evaluated as necessary should an incumbent/applicant be unable to perform the function or requirement due to a disability as defined by the Americans with Disabilities Act (ADA). Reasonable accommodation for the specific disability will be made for the incumbent/applicant when possible.