Associate Mortgage Loan Specialist

• Consumer unsecured lending as assigned.
• Answer phone and perform other clerical duties as needed.
• Complete additional tasks as assigned by management.
• Participate in additional training and continuing education to enhance knowledge of mortgage originations.

Requirements

• Must have high school diploma or GED equivalent.
  • Preferred – bachelor’s degree, or CCUE Certification, or Associate of Arts degree or Associate of Science degree via the North Carolina Community College Transfer Program (NC-CTP).

• Attend Excel and Elevate – New Employee Training (E&E). 
• Real Estate Lending Program (RELP) completed within 6 months.
  • The following 10 Core Modules will be completed after E&E and subsequent training sessions:
    • Checking Accounts
    • Member Eligibility
    • Money Market Share Accounts
    • SECU Policies Overview
    • Share Accounts
    • Lending Overview
    • NCUA Coverage
    • Cooperative Principles
    • Online Services
    • We Are SECU!
  • Additional Modules Required:
    • SECU’s Member-Facing Websites
    • Branch Security Measures
    • Account Titling & Designations
    • Funds Transfer
    • Member Identification
    • Check Acceptance
    • MARGO Platform
    • Account and Profile Maintenance
    • Advances
    • Safe Deposit Boxes
• Previous SECU and/or lending experience preferred.
• Minimum tier one lending limits assigned at this level.
• Completion of all requirements of the Associate MSO position preferred, but at a minimum must learn the following quick actionable items:
  • Notaries
  • Safe deposit box entrance
  • Opening and closing of the branch
  • Front desk duties
  • Other dual control assistance as needed.
  • Approving Wires and Cashier’s Checks
• Must possess the highest level of integrity and objectivity.           
• Must possess excellent communication skills, both verbal and written.
• Must be able to communicate with SECU personnel, VPs, SVPs, attorneys, members, appraisers, realtors, etc.
• Must have strong networking and relationship development skills.
• Meets compliance and regulatory standards.
• Makes lending decisions consistent with SECU loan policies.                                                                                                    
• Has or is eligible to be registered as an active MLO with the NMLS.
• Must be organized and meticulous.
• Must be willing to engage in ongoing training and professional development.
• Must have basic computer skills with an ability to learn more complex software for processing of applications and completing loan servicing.
• Has completed all required quarterly training courses & other training assigned by management.
• Consistently demonstrates SECU’s Core Values.
• Recommendation of VP/SVP for advancement to this level.
• Must be able to speak and write English fluently.
• Must understand and be dedicated to the Credit Union philosophy and work ethic. 
• Must adhere to the work schedule and attendance policies established by the Credit Union.
• Must complete the Credit Union’s Core Module Program within 12 months of hire date as a condition of employment.

Job Environment

• Office setting with physical proximity to other employees and members. 
• Some background noise from other employees, copy machine, and telephone. 
• Some local travel may be required. 

Physical Demands

• Must be able to comprehend and carry out job requirements.
• Job requires a substantial amount of sitting.
• Use hands and fingers to press keys on a computer keyboard to enter or retrieve information.
• Use hands and fingers to press telephone keypad and lift telephone receiver.
• Answer and operate a telephone.
• Lift up to 10-15 lbs.