We strive to be Your Future, Your Solution to accelerate your career!
Contact Shawn Recker at srecker@saigepartners.com or 319-804-9996 to learn more about this opportunity! 

ESSENTIAL FUNCTIONS:

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

**Reviews first mortgage applications in the Credit Union mortgage processing system for accuracy.
**Assures application fees, appraisal fees and other fees related to the processing of a mortgage loan are collected and processed according to policies and procedures.
**Manages and prioritizes individual pipeline of loans on a daily basis in order to ensure closing dates and company deadlines are met.
**Order the following documentation as necessary: Verification of Employment, Evidence of Insurance, **Payoffs, Tax Transcripts, Credit Supplements, condo questionnaires, subordination requests, and Title Work as needed for each file
**Reviews and processes all income, assets, collateral and liability documentation to ensure the mortgage request meets the requirements established in the credit union or investor’s policies.
**Assists members via the phone by answering calls in the Mortgage Operations department queue.
**Corresponds with or interviews applicant, creditors, realtors and vendors, when needed, to resolve questions regarding application information
**Ensure compliance with lending regulations, internal policies and underwriting guidelines
**Conduct thorough risk assessments to identify potential red flags or fraudulent activities
**Responsible for determining and issuing the credit decision on the loan application and issuing conditions, as needed, for a complete file.
**Prepares and clears residual conditions required to approve and document the loan.
**Schedules closing dates and times as needed. Prepares the file for closing.
**Obtains and reviews preliminary title commitment from title companies.
**Review and respond to internal and external audits.

ADDITIONAL RESPONSIBILITIES:

**Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.

SUPERVISORY RESPONSIBILITIES:

None

QUALIFICATIONS:

Knowledge Of:

**Credit Union’s products and services.
**Credit Union policies and procedures pertaining to loan servicing.
**Real Estate underwriting criteria.

Ability To:

**Utilize the credit union's data processing capability in loading new loan information in the system.
**Operate the kinds of office equipment normally found in a lending operation, such as: adding machine, telephone, fax machine, photocopier, and personal computer.
**Operate a PC using the following software applications Windows, Outlook, Excel, and Word.
**Refer credit union products and services based on member needs.
**Process a steady workload under strict time constraints.
**Process Real Estate Loans.
**Understand and interpret information required to remain in compliance with secondary market underwriting criteria.
**Analyze appraisals, debt to income, and an understanding of qualities that affect credit worthiness.

REQUIRED EDUCATION AND EXPERIENCE:

**High School diploma or General Education Degree, compliance training, mortgage processing and lending experience plus three years of related experience and/or training.

License or Certificate:

Bondable
Acceptable Credit History

COMPETENCIES:

Communication Skills
Mathematical Skills
Reasoning Ability