As The Artisans of Banking, we strive to be B.R.A.V.E. (Build Relationships & Add Value Everyday). We recognize that in order to meet the needs of our communities, we must represent our communities. Our success relies on creating a culture where we have diverse perspectives and a true sense of belonging. This is a journey, and we pledge to do more than simply check the box.
When you join our Premier Members team, your benefits will include:

• Comprehensive medical insurance plan that has HRA, HSA, and FSA options
• Dental and vision insurance
• Generous paid-time-off
• 11 paid holidays
• Annual bonus (based off of annual results/scorecard each year)
• 401(k) plan with a 5% match
• Wellness program
• Tuition assistance
• 1% employee loan discount
• Employee Assistance Program (EAP)
• Life and disability coverage

What sets working for Premier Members apart?

• Career development and pathing opportunities to move into leadership roles or other lines of business within PMCU such as Commercial Lending, Finance, Marketing, Underwriting, Member Solutions, Training, Human Resources, and more.
• Supportive and engaging work environment.
• A wellness and sustainable work culture that puts family, Mother Nature, our community, and your health first.
• A work environment that encourages personal as much as professional growth, teamwork to make the dream work, and treating everyone equally.

This is an in office full-time position working 40 hours a week, hours Monday-Friday 8:00am – 5:00pm.
POSITION SUMMARY:
Responsible for overseeing and maximizing productivity and efficiency within the mortgage lending team. Assist with mortgage projects, reporting, processes, and procedures. Provide administrative support to the Mortgage Department with reports, locks, appraisals, and compliance duties. Some rate sheet development including rates, pricing, adjustments, and matrices may also be necessary. Ensure that lending operations are in accordance with established policies, procedures, and regulatory requirements. This position is fast paced, deadline driven, and offers a variety of tasks throughout the day.
ESSENTIAL FUNCTIONS:

• Participate in developing lending policies and procedures and ensure that they complement organizational goals.
• Assist department in project scoping, planning, research, project tasks and completion.
• Identify gaps in current processes and provide solutions.
• Develop and complete required reports and related documents promptly and accurately, and in compliance with Credit Union current processes.
• Assist established goals and coordinate their implementation with other departments.
• Assist MLOs and support staff with pricing registration questions and procedures.
• Accurately and efficiently enter loan information required for locking, relocking, modifying, and extending mortgage commitments.
• Verify pricing on all lock requests and confirmation.
• Test and problem solve new programs and products in multiple software systems.
• Commit loans with 3rd Party Investors via the internet, phone, or email prior to daily investor deadlines.
• Assist MLOs and support staff with pricing registration questions and procedures.
• Help track and review the pipeline of agency loans to ensure commitments are met.
• Reconcile daily locks.
• Responsible for sending Notes to investors within time constraints.
• Provide price quotes for rates not published on rate sheets.
• Assist with the quality control process within the mortgage department.
• Respond to and track monthly audit reports and findings.
• Assist with HMDA filing.
• Assist with annual HMDA filing.
• Order appraisals for all lending departments.
• Ensure that lending activities are conducted in accordance with established policy guidelines and standards and are properly documented.
• Ensure that the Credit Union's professional reputation is maintained throughout lending and business transactions with members.
• Assume responsibility for related duties as required or assigned.
• Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

QUALIFICATIONS
EDUCATION/CERTIFICATION:

• Associate degree or an additional 3 years' work experience may be substituted.
• Formal loan training and experience required.

REQUIRED KNOWLEDGE:

• Knowledge of Conventional, FHA and VA rate locks.
• Thorough knowledge of mortgage loan products, policies and procedures.
• Ability to accurately analyze financial data and interpret various investor and agency requirements and relate them to the appropriate tasks.
• Thorough understanding of Credit Union loan processes.
• Extensive knowledge of related computer applications.

EXPERIENCE REQUIRED:

• Five to eight years of similar or related experience.
• Knowledge of underwriting requirements and regulations.

SKILLS/ABILITIES

• Excellent written and verbal communication skills.
• Good organizational, managerial, and problem-solving abilities.
• Ability to prioritize tasks to meet deadlines, and attention to detail is critical.
• High level of analytical skills with an aptitude for math, which includes calculating percentages.
• Computer skills to operate various software programs, including exceptional accuracy and completeness in data entry. Industry related software includes Encompass, EPPS, Fannie Mae, FHLB, Outlook, Excel, Symitar, & FICS.

WORKING CONDITIONS:

• Standard office conditions.
• Low to moderate noise.
• Limited lifting up to 10 lbs.

This description has been reviewed to ensure that only essential functions and basic duties have been included. Peripheral tasks, only incidentally related to each position, have been excluded. Essential functions, requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions. In no instance, however, should the duties, responsibilities, and requirements delineated be interpreted as all-inclusive. Additional functions and requirements may be assigned by supervisors as deemed appropriate.
In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.
The Credit Union believes that each employee makes a significant contribution to our success. That contribution should not be limited by the assigned responsibilities. Therefore, this job description is designed to outline primary duties, qualifications, and job scope, but not limit the incumbent. It is our expectation that each employee will offer his/her services wherever and whenever necessary to ensure the success of our endeavors.
Job descriptions are not intended as and do not create employment contracts. The organization maintains its status as an at-will employer. Employees can be terminated for any reason not prohibited by law.
This Job Description is not a complete statement of all duties and responsibilities of this position and may change with or without notice.
Final Compensation for this position will be determined by various factors such as relevant work experience, specific skills and competencies, education, certifications, and internal pay equity.
We anticipate this position to close within 30 days of posting. Please submit your application at your earliest convenience to be considered.
You may not check every box, or your experience may look a little different from what we've outlined, but if you think you can bring value to Premier Members Credit Union, we encourage you to apply!
Thank you for your interest in Premier Members Credit Union.