SUMMARY

CORPORATE COMPETENCIES

1. Member Service and Value – Deliver exemplary service internally and external in accordance with the credit union’s service standards and in a professional manner that projects confidence, knowledge, and ability to provide options and solutions to meet member needs within established policies and procedures. Interactions with members provide value and generate goodwill and a positive image of MCCU as a trustworthy financial institution.

2. Accountability/Accuracy/Efficiency – Maintain a superior level of attention to detail and ensure accuracy in all transactions and activities performed. Organized and thorough in completing duties and a reliable team member. Ensure established processes and procedures are complied with and are consistently executed. Display self-motivation. Accept responsibility for own actions and hold others accountable to maintain appropriate levels of performance in accordance with established policies and procedures.

3. Team Player- Possess exceptional collaborative skills to work cross functionally with various departments and operational areas to solve problems and advance ideas and innovation. Maintain positive working relations with all credit union team members to achieve corporate and departmental goals and objectives. Treat people with respect; keep commitments; inspire the trust of others.

4. Decision Making - Consistently apply superior data driven decision-making techniques pertaining to job duties, inquiries, approvals, and requests as they apply to existing policies and procedures, keeping within assigned approval limits and using these instances as a tool for development. Exercise good judgement in making decisions, ensuring appropriate supervisory approvals are obtained.

5. Communication – Exhibit strong communication skills with internal and external stakeholders. This includes appropriate collaboration and engagement of staff and other higher-level executives in information gathering and sharing, project management, and implementation of projects and other assignments. It also includes communication with vendors, members, and other external parties. Respond to inquiries or refer inquiries to the appropriate department or person and exhibit the necessary follow-through with members and/or staff involved.

ESSENTIAL DUTIES

1. Provide end-to-end oversight of MCCU’s real estate lending products, with current emphasis on Home Equity Lending. This includes managing the full product life cycle, from origination through post-closing, focused on product design, experience, process optimization, and performance.
2. Review and prepare equity disclosures to ensure accuracy and compliance, while monitoring files throughout the lending process for completeness. Collaborate with Loan Officers to obtain necessary documentation for loan file including ordering, tracking and reviewing AVM, Appraisal, Flood, Title work.
3. Disburse equity loans and ensure timely tracking on log.
4. Collaborate with the Mortgage Lending Manager to develop and strengthen promotional and sales strategies that drive performance across both mortgage and home equity products.
5. Evaluate loan options with loan originator and member financial needs to identify cross-selling opportunities and recommend additional credit union products or services that support the member’s overall financial goals. Serves an administrator role for lending platform that houses the equity process, ensuring optimal functionality and user access.
6. Deliver training, guidance, and ongoing support for real estate lending with a strategic focus, promoting consistent understanding of products, processes, compliance requirements, and system usage to ensure alignment with organizational goals and an exceptional member experience.
7. Maintain accuracy, efficiency, and compliance across all stages of the loan life cycle.
8. Oversee post-closing activities, including document verification, recordkeeping, and auditing.
9. Provide daily guidance to lending staff regarding procedures, system utilization, and compliance-related matters, primarily for equity products, while also providing support for Mortgage and Consumer Lending leadership as needed.
10. Partner with the Mortgage Lending Manager to ensure home equity operations comply with regulatory requirements, align with internal policies, and update policies and procedures as needed

SECONDARY DUTIES

1. Accept and process home equity loan applications as needed to supplement branch staff, ensuring accuracy, compliance, and timely follow-up throughout the application process
2. Stay up to date with industry trends, best practices, and emerging technologies to drive innovation in marketing efforts.
3. Demonstrate comprehensive knowledge of current credit union lending goals and actively strive to achieve them.
4. Maintain knowledge of lending regulations and proactively update procedures to maintain compliance.

ENVIRONMENT AND PHYSICAL ACTIVITY

The incumbent is in a non-confined office type setting in which he or she is free to move about at will. The position includes driving to MCCU branches which includes exposure to the outside weather elements and moving mechanical parts. It may include some minor annoyances such as noise, odors, drafts, etc.

The incumbent in the course of performing this position spends time writing, typing, speaking, listening, lifting (up to 50 pounds), driving, carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling, and reaching.

The incumbent for this position may operate any or all of the following: telephone, cellular telephone, smart phone device, copy and fax machines, adding machine (calculator), check protector, scanner, and image systems, scanning equipment, encoder, money counter, credit card terminal, typewriter, computer terminal, laptop computer, personal computer and related printers, or other equipment as directed.

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

MINIMUM REQUIREMENTS

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

• High school graduate or equivalent
• A minimum of 2 years of work-related experience is required, with demonstrated experience in real estate lending, HMDA reporting, regulatory compliance, and/or lending operations.
• Must have or be able to obtain and maintain an NMLS registration in accordance with SAFE Act requirements.
• Understanding of loan interview procedures and loan documentation.
• Experience administering loan origination or servicing platforms, preferred.
• Strong knowledge of federal and state lending regulations.
• Knowledge of all lending products and services offered by the credit union, preferred.
• Proven ability to think critically and solve problems using data analysis and strategic reasoning.
• Highly attentive to detail and accuracy in all work.

Other Requirements

• Strong leadership ability and willingness to help others outside of regular job duties.
• Ability to work under pressure and meet deadline in a fast-paced setting.

REQUIRED SKILLS

• Excellent verbal and written communication
• Ability to take ownership, anticipate issues and work ahead to meet deadlines
• Ability to multitask in high-demand, high-volume environment
• Ability to cultivate strong relationships with key business partners and vendors
• Knowledge of finance industry, or similarly regulated industry