SKILLS AND/OR QUALIFICATIONS:

· Effective and professional oral and written communication skills.
· Ability to manage multiple priorities in a fast paced work environment.
· Ability to work effectively independently as well as being a team player.
· Willingness to work extended hours, including weekends, as responsibilities require.
· Ability to perform detailed functions efficiently and accurately under pressure.
· Must be PC literate, proficient in MS Word and Excel, and have good typing skills.

DUTIES

· Timely and efficient processing of Home Equity and Refinance mortgage loans.
· Review daily pipeline report for new loans submitted to processing and decisions received from underwriting.
· Update LOS system to reflect status of file as it moves through the process.
· Update loans notes regularly to reflect all tasks completed on loan as well as any communications with member, vendors or staff.
· Meet required service level agreement timeframes set forth by management for submission to underwriting, introduction call, decision call, appraisal call and standard file updates to the member.
· Order all services required for product type. (Appraisal, Title, Flood, Tax Transcripts, SSN verification, Verification of Employment, Assets or Mortgage, and Credit tradeline updates)
· Review mortgage application for accuracy and completeness and update LOS to match documentation in the file.
· Follow up with vendors on outstanding orders to receive requests in a timely manner.
· Collect all prior to closing conditions required to meet loan approval.
· Complete full file review of all documentation received and update income, assets, property and legal information at time of submission to underwriting.
· Review credit report to confirm liabilities match application, all derogatory credit, inquiries and/or inaccurate information is addressed.
· Document calculations used for qualification for income and assets.
· For refinances, review DU findings to meet documentation standards, as well as update DU throughout the process as information is updated that affects loan approval.
· With approval from management, clear underwriting conditions that do not require review by an underwriter.
· Contact closing agent to schedule closing. Contact branch to reserve conference room when needed.
· Review daily pipeline reports for loans cleared to close and ready to be scheduled and loans that are scheduled that need closing documents generated.
· Review system and loan documents for accuracy and obtain corrected documentation if needed.
· Complete required closing tasks needed to generate accurate closing documents.
· Request payoff information from closing agent or member when needed.
· Meet required service level agreement timeframes set forth by management for closing call/review final terms, contact closing agent to scheduling closing, work with closing agent to perform final tasks for closing while communicating with the member and confirm all questions have been answered.
· For Fixed Home Equities and Refinances, send and review Closing Disclosure based on regulatory requirements.
· Cover pipeline for processing and closing when staff is absent.
· Maintain confidentiality regarding credit union policies and procedures, member financial data, personal information and work related events.
· Provide quality support and maintain a professional and positive relationship with all SCU staff, management, external clients and members through cooperation, mutual trust, and respect.
· Perform duties assigned.

RESPONSIBLE FOR OBTAINING AND REVIEWING DOCUMENTATION INCLUDING BUT NOT LIMITED TO THE FOLLOWING:

o Pre-Qualification Information
o Review URLA/1003 for accuracy and completeness
o Flood Zone Determination
o Verification of 2 year employment history
o Verification of assets
o Verification of Outstanding Mortgage Loans
o Review of all liabilities, aliases and derogatory information on the credit report
o Updating Credit Report Trade Lines
o Appraisal
o Title Search/Commitments
o Verification of Tax Status
o Trust review opinion from closing agent
o All member correspondence
o All approval conditions