SECU
Mortgage Loan Specialist – SECU
Apply to join our team if you are motivated and believe in the credit union philosophy of “People Helping People.” This role is on-site at our Granite Quarry branch, Monday through Friday, 8:30 a.m.–5:30 p.m.
Purpose Experienced Mortgage Loan Specialists responsible for the full real estate loan process across all delivery channels. Must have a solid understanding of the complete real estate loan cycle and servicing functions.
Responsibilities
Receive and assist in the completion of real estate loan applications, 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, evaluating credit worthiness, ability to repay, collateral valuation, and organizational risk; have the authority to extend credit or deny within assigned tiered approval lending limits.
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, gathering accurate real estate loan related applications and required documentation.
Stay updated on market trends, interest rates, lending policy changes, and regulations to provide members with accurate information.
Assist membership with servicing existing mortgage and home equity loans.
Follow up with prequalified applicants and other leads in a timely and effective manner.
Price and disclose loan applications by determining interest rates and fees based on borrower creditworthiness, loan amount, term, and market conditions.
Coordinate member engagement with the Real Estate Lending Processing Center.
Maintain comprehensive knowledge of all real estate lending products, policies, procedures, and regulatory compliance.
Educate members on available services and refer other Credit Union products and services based on their needs.
Ensure well documented loan application history notes within the Loan Origination System.
Cultivate member engagement throughout the home buying process, making SECU the lender of choice.
Meet minimal set expectations and established KPIs and metrics for the role.
Handle incoming member correspondence on a rotational basis.
Complete additional tasks assigned by management.
Requirements
High school diploma or GED equivalent (must possess).
Preferred: bachelor’s degree, CCUE Certification, Associate of Arts, or Associate of Science via the North Carolina Community College Transfer Program (NC-CTP).
Successful completion of Consumer Lending Program courses and subsequent exam required before moving to this role.
Minimum of 2 years mortgage lending experience strongly preferred.
Minimum tier 2 lending limits assigned.
Demonstrated proficiency at current lending approval authority.
Highest level of integrity and objectivity.
Excellent verbal and written communication skills.
Strong networking and relationship development skills.
Compliance and regulatory standards met.
Lending decisions consistent with SECU loan policies.
Must be registered as an active MLO with the NMLS.
Organized and meticulous.
Ability to manage multiple responsibilities while prioritizing member interaction.
Willingness to engage in ongoing training and professional development.
Basic computer skills with an ability to learn more complex software for processing applications and completing loan servicing.
Completed required modules and quarterly training courses assigned by management.
Consistently demonstrates SECU’s Core Values.
Recommendation from VP/SVP for advancement to this level.
Fluent in English (spoken and written).
Dedicated to the Credit Union philosophy and work ethic.
Adhere to the work schedule and attendance policies established by the Credit Union.
Job Environment
Office setting with physical proximity to other employees and members.
Some background noise from other employees, copy machine, and telephone.
Local travel may be required during training.
Possibility of remote/hybrid work; professional home environment required in that case.
Some evening, weekend, and holiday work may be required.
Physical Demands
Substantial amount of sitting and computer usage.
Use hands and fingers to press keys on a computer keyboard to enter or retrieve information.
Answer and operate a telephone.
Lift up to 15 lbs.
Equal Employment Opportunity SECU provides equal employment opportunity to all qualified persons regardless of race, color, religion, age, sex, sexual orientation, gender identity, national origin, genetic information, disability, veteran status, or other classifications protected by law.
Disclaimer State Employees’ Credit Union reserves the right to fill this role at a higher or lower level based on business need.
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Purpose Experienced Mortgage Loan Specialists responsible for the full real estate loan process across all delivery channels. Must have a solid understanding of the complete real estate loan cycle and servicing functions.
Responsibilities
Receive and assist in the completion of real estate loan applications, 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, evaluating credit worthiness, ability to repay, collateral valuation, and organizational risk; have the authority to extend credit or deny within assigned tiered approval lending limits.
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, gathering accurate real estate loan related applications and required documentation.
Stay updated on market trends, interest rates, lending policy changes, and regulations to provide members with accurate information.
Assist membership with servicing existing mortgage and home equity loans.
Follow up with prequalified applicants and other leads in a timely and effective manner.
Price and disclose loan applications by determining interest rates and fees based on borrower creditworthiness, loan amount, term, and market conditions.
Coordinate member engagement with the Real Estate Lending Processing Center.
Maintain comprehensive knowledge of all real estate lending products, policies, procedures, and regulatory compliance.
Educate members on available services and refer other Credit Union products and services based on their needs.
Ensure well documented loan application history notes within the Loan Origination System.
Cultivate member engagement throughout the home buying process, making SECU the lender of choice.
Meet minimal set expectations and established KPIs and metrics for the role.
Handle incoming member correspondence on a rotational basis.
Complete additional tasks assigned by management.
Requirements
High school diploma or GED equivalent (must possess).
Preferred: bachelor’s degree, CCUE Certification, Associate of Arts, or Associate of Science via the North Carolina Community College Transfer Program (NC-CTP).
Successful completion of Consumer Lending Program courses and subsequent exam required before moving to this role.
Minimum of 2 years mortgage lending experience strongly preferred.
Minimum tier 2 lending limits assigned.
Demonstrated proficiency at current lending approval authority.
Highest level of integrity and objectivity.
Excellent verbal and written communication skills.
Strong networking and relationship development skills.
Compliance and regulatory standards met.
Lending decisions consistent with SECU loan policies.
Must be registered as an active MLO with the NMLS.
Organized and meticulous.
Ability to manage multiple responsibilities while prioritizing member interaction.
Willingness to engage in ongoing training and professional development.
Basic computer skills with an ability to learn more complex software for processing applications and completing loan servicing.
Completed required modules and quarterly training courses assigned by management.
Consistently demonstrates SECU’s Core Values.
Recommendation from VP/SVP for advancement to this level.
Fluent in English (spoken and written).
Dedicated to the Credit Union philosophy and work ethic.
Adhere to the work schedule and attendance policies established by the Credit Union.
Job Environment
Office setting with physical proximity to other employees and members.
Some background noise from other employees, copy machine, and telephone.
Local travel may be required during training.
Possibility of remote/hybrid work; professional home environment required in that case.
Some evening, weekend, and holiday work may be required.
Physical Demands
Substantial amount of sitting and computer usage.
Use hands and fingers to press keys on a computer keyboard to enter or retrieve information.
Answer and operate a telephone.
Lift up to 15 lbs.
Equal Employment Opportunity SECU provides equal employment opportunity to all qualified persons regardless of race, color, religion, age, sex, sexual orientation, gender identity, national origin, genetic information, disability, veteran status, or other classifications protected by law.
Disclaimer State Employees’ Credit Union reserves the right to fill this role at a higher or lower level based on business need.
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