Senior Real Estate Lending Analyst at Michigan Schools and Government Credit Union

Troy, Michigan, United States -

Full Time

Start Date

Immediate

Expiry Date

09 Oct, 26

Salary

89000.0

Posted On

11 Jul, 26

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Real Estate Lending Analysis, Loan Origination System (LOS) Configuration, Encompass Administration, Data Analytics, Process Automation, Requirements Gathering, Vendor Management, Business Intelligence, Risk Management, SQL, VB.net, C#, MS Visio, MS Excel, Regulatory Compliance, Stakeholder Collaboration

Industry

Banking

Description

Founded by a small group of educators, Michigan Schools & Government Credit Union (MSGCU) has been providing quality financial services to the community for 70 years and welcomes everyone in Michigan to bank with us. We are financial champions committed to helping our members achieve financial success by rallying behind them and their goals. As the sixth largest Credit Union in Michigan, MSGCU has 24 branch offices in southeast Michigan. We have over 450 team members, more than 150,000 members, $4 billion in assets, and a 97% member satisfaction rating for two decades. We are a caring organization that strives to ensure an equitable and inclusive culture where everyone is valued and respected. With regular coaching and continuing education, we grow champions – team members dedicated to championing the success of our members. Our commitment to team member engagement has contributed to the honor of being named a Top Workplace by The Detroit Free Press thirteen years in a row. If you have a passion for helping people and providing exceptional and dependable service, we want you on our team! More information about our comprehensive total rewards package can be found here [https://www.msgcu.org/careers/benefits]. Overview of Responsibilities: Leads technical efforts in alliance with strategic objectives across all channels, translating business needs into enhanced performance. Serves as a subject matter expert to configure, customize, and upgrade MSGCU’s real estate loan origination system (LOS) and servicing software. Acts as a liaison to IT on matters relating to real estate lending systems improvements, enhancements, and issues. * Operational Execution and Continuous Improvement: Evaluates and enhances lending business processes, data integrity, and lending system performance to improve operational efficiency, productivity, and the member experience across real estate loan origination and servicing systems. Collaborates with Real Estate Lending leadership to support strategic analysis and planning, identify improvement opportunities, and implement technology-driven solutions that streamline workflows, strengthen data management, and advance business objectives. Stays current on industry advances, best practices, and Ellie Mae and regulatory system administration guidelines applying them in practice to optimize system performance. Evaluates technologies to recommend process automation, establish outcome measures, improve end-user prioritization decision-making agility, and assess progress and risks to strategic goals. * Lending System Administration and Configuration: Oversee real estate lending systems, business intelligence analytics, third party system related vendors, and affiliated services to an efficient, scalable, and effective lending environment that supports a modern digital mortgage experience. Manages vendor integrations within the lending systems environment in coordination with the Real Estate Lending leadership, IT protocols, and vendor management resources. Provides back-up administration for user profiles, business rules, workflow progression, regulatory compliance updates, document generation libraries, custom loan documents, and eFolder settings. Partners with stakeholders to evaluate proposed system changes and process enhancements by supporting the development of functional and technical specifications, change requests, test plans, and training materials for IT Governance review, quality assurance, deployment, and end user support. * Reporting, Analytics & Process Automation: Collaborates with business data users to develop ad-hoc reporting and scheduled reporting solutions that support business needs, decision making, and operational efficiency. Provides guidance and recommendations to identify high-impact, creative solutions, while supporting data integrity, reporting accuracy, and effective data management within lending systems Facilitates scheduled lending system reporting and process automation to improve efficiency, streamline workflows, and enhance business insight. * Project Execution, Governance and Risk Management: Serves as a subject matter expert and key participant on corporate projects involving real estate lending systems and process enhancements. Partners with stakeholders to define business requirements, validate system changes, and support implementation activities to deliver effective solutions within defined timeline, scope, and budget. Helps develop project scope, objectives, and requirements by applying knowledge of business processes, technology, and industry standards. Identifies and supports management of risks associated with real estate lending activities, system changes, and process enhancements to help maintain compliance with applicable regulations, internal controls, and industry standards. Monitors control measures and escalates issues as needed to mitigate operational risk and maintain adherence to industry standards. Core Competencies: * Member Focus: Asks impactful questions and uses active listening skills to analyze situations and gain an understanding of business needs in order to deliver end user-focused lending processes in support of delivering the desired member experience. * Action Oriented: Willingly takes on new opportunities and tough challenges with a sense of urgency and enthusiasm; holds self-accountable to meet commitments. Ability to prioritize multiple responsibilities and projects with short deadlines. * Optimizes Work Processes: Uses an end-to-end view (application to payoff) to analyze processes from a big picture perspective. Applies critical thinking and analytical skills to continuously focus on process improvement and problem solving by uncovering root causes, identifying, and implementing effective and efficient processes to achieve business objectives. * Collaborates: Builds partnerships and works collaboratively with others to meet shared objectives. * Communicates Effectively: Effectively communicates business solution concepts to technical and non-technical audiences of all levels and develops specifications that the technical team can understand and implement. * Instills Trust: Gains confidence of others by modeling honesty, integrity, authenticity, and behaviors that align with organizational values. Exemplifies courage by stepping up to address difficult issues. * Self-Development: Actively seeks new ways to grow and be challenged using formal and informal development channels and experimentation when tackling new problems. * Situational Adaptability: Remains focused and composed in stressful situations and adapts approach to match the shifting demands of different situations. Education and Experience Requirements: * Bachelors degree in Business Administration, Computer Science, or related field preferred; and * 5 years of real estate lending end-to-end analysis experience, including: o Requirements gathering and documentation, o Data analytics and planning o Systems coordination and process improvements * Certification in Encompass Administration, ICE Developer Connect Certification, or similar course work preferred. * Experience using Encompass and its interfaces, VB.net, C#, FICS Mortgage Servicer, Symitar, MS Visio, MS Excel, or SQL preferred. * Strong knowledge of Encompass functionality and ability to coach end-users on how to utilize it effectively. Experience in configuration of all areas of Encompass settings including personas, user groups, eFolder, loan templates, reports, input form builder and all types of business rules. Strong understanding of loan lifecycle. Working Conditions: * Office and branch location environment with little discomfort from noise, extreme temperature, dust, or other factors. * Occasionally required to travel throughout MSGCU's service area as business needs require. * Exposed to potentially hazardous conditions, such as robbery. Receives detailed instructions and security procedures on an annual basis to minimize risk. * This work involves sitting most of the time with brief periods of walking or standing and may occasionally require lifting and/or moving up to 10 pounds. Compensation and Benefits: Competitive salaries are just the starting point for MSGCU team members. Generous health benefits, vacation time, retirement plan contributions and discounts on loans and phone service also come with the job. * Base salary starts at $89,000 / year * Medical, dental and vision on your first day! You can choose the most generous Health Savings Account (HSA)-eligible medical plan with no monthly premium for you (and your family) * If you are at least 21 years old, you will receive a 3% contribution from MSGCU, and a 100% match for the next 7% you contribute to your 401(k) * You will enjoy 12 paid holidays and up to 120 hours of PTO your first year of service (pro-rated based on start date)

Responsibilities

Leads the technical configuration and administration of real estate loan origination and servicing systems to improve operational efficiency. Acts as a liaison between business leadership and IT to implement technology-driven solutions and manage reporting and analytics.