Here at SFCU we define our culture as one of GROWTH. Growing our member, growing our employee, and growing our organization. This is a great opportunity to join our innovative and growing SFCU team. In this role you will provide detailed guidance and assistance in order to fulfill all loan qualification requirements in a compliant manner while ensuring exceptional member service by ongoing communication to members and business partners. You will be responsible for evaluating and validating all information provided on mortgage and home equity loan applications and communicating to members any additional requirements. You will provide a highly valuable service as the applicant’s point of contact throughout the real estate transaction and aiding applicants as they navigate the home loan lending process.
Compensation: $21.31 - 23.97
Reporting: Hybrid This position requires the employee to report on site to our home office located at 42 Union Street, Sidney NY at least two days a week.
NOTE: This position requires the employee to register as a Mortgage Loan Originator (MLO) with the Nationwide Mortgage Licensing System & Registry and obtain a unique identifier number prior to performing any function that would meet the definition of MLO activities.
SFCU offers a comprehensive benefits package including 401K, wellness benefit options, paid time off, federal holiday pay and NYS sick time. In addition, SFCU fosters employee development through career pathing and a tuition assistance program.

KNOWLEDGE AND SKILLS:

Experience One years to three years of similar or related experience.
Education A high school education or GED.
Interpersonal Skills: Courtesy, tact, and diplomacy are essential elements of the job. Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation.
Other Skills: Above average aptitude for figures and ability to pay close attention to detail.
Above average communication skills, both written and verbal.
Ability to work well under pressure.
A professional appearance and demeanor.
Ability to handle confidential information according to company policies and banking regulations.
Time management skills and ability to prioritize.
Sidney Federal Credit Union does not discriminate against any employee or applicant for employment on the basis of their race, color, religion, age, sex, national origin, marital status, disability, Veteran status, recently separated Veterans, sexual orientation, genetic information, victims of domestic violence and stalking, and all other categories covered by law

Works with borrowers, tax authorities and agents to gather any necessary tax and/or insurance bills, update Core with premiums to be paid and handles the disbursement of those funds as needed in order to satisfy our escrow obligations.
Prepares and processes documentation for mortgage and home equity applications. This includes preparation of any necessary General Ledger entries, fee processing or other necessary transactions.
Reviews and evaluates loan documentation to ensure all necessary forms are in the file.
Order services that are needed for a real estate file. This includes, but not limited to value determinations, flood determinations, initial and final employment verifications.
Contacts borrowers to inform them of the status of their real estate transactions throughout the process. Handles inquiries from CU staff, phone calls, emails, etc.
Completes escrow analysis in a timely manner and accurately. This includes, but not limited to updated Core data, mailing out the statements and answering questions about it.
Funds real estate loans after verify accuracy of documentation. Follows up with any corrections as needed.
Prepares and reconciles bills to include, but not limited to, AMC, Title Bills, etc.
Manage and cure any quality control loan issues that require borrower communication.
Prepares discharge paperwork. Sends documents to be recorded with the county via mail/electronic means to include discharges and new mortgages.
Assembles and organizes documents in loan file, including acceptance or denials.
Keeps informed of current trends in mortgage lending and market factors affecting mortgage lending.
Performs all duties of the Mortgage Loan Originator position as needed. This includes interviewing prospective loan applicants and offering the best product for their needs.
Performs other job-related duties as assigned.