GreenState Credit Union

Manager

• Oversees and responsible for department goals and activities of Mortgage Loan Associates within several markets
• Assists Mortgage Leadership with questions from mortgage sales team including loan structuring, product development, new systems and procedures for all first mortgage real estate loans and related services
• Works with mortgage back-office team on questions and maintain file efficiency from origination to closing
• Supports a diverse and inclusive work environment
• Knowledge of both Mortgage Sales and Mortgage Back-Office functions with the ability to assist MLO's, Mortgage Loan Associates, Processing/Closing, and Underwriting
• Engages with Mortgage Loan Associates to assist with file workflow, balancing workload and overall problem solving of each loan transaction
• Maintains knowledge of trends relating to mortgage loans or mortgage lending in general
• Participates in community events to increase the credit unions’ visibility and to enhance and seek new business opportunities
• Plays a vital role by participating in and seeking leadership roles in community service organizations and/or credit union sponsored events, on an annual basis
• Evaluates, encourages, cooperates and develops cooperation among staff members to ensure quality of work, effective relations, a “team effort”, and prompt service to members
• Helps plan and coordinate employee lunches, outings, recognitions, thank you’s, etc to help with Employee Engagement
• Encourages staff to expand their education through courses, seminars or conferences as they are offered
• Facilitates and coordinates team building; coaches staff toward achievement of individual and team goals; helps administer salary adjustments for Mortgage Associates to ensure equity within the mortgage department
• Works with underwriters on loan files to help obtain loan approvals
• Prepares and conducts personnel performance evaluations, prepares documentation for retention in personnel files
• Working with HR, recommends and implements disciplinary actions and appropriate staff counseling within the department as needed
• Coordinates, tracks, and monitors daily scheduling within those that report directly to this position including overtime, leave of absences, and prepares periodic tracking reports for the Human Resources department
• Meets attendance standards to perform job functions including physical presence to provide team oversight, coordination of work, and ongoing feedback
• Remains current on changes within the legal, regulatory, economic, competitive, and technology environments that may affect the mortgage services function
• Participates in continuing education as necessary
• Provides support and assistance during internal, state and federal audits and examinations
• Ensures that technology is used to efficiently and effectively deliver services to our members.

Manager, Mortgage Associates

Mortgage Loan Processor

• Responsible for processing of all secondary and in-house mortgage loans.
• Adheres to the Credit Union's core values and Service Standards in conducting GreenState's mission and vision.
• Demonstrates a positive member service (internal and external) focus at all times.
• Demonstrates teamwork in all interactions with coworkers and in the completion of all duties and responsibilities.
• Ensures confidentiality of member information.
• Supports a diverse and inclusive work environment.
• Plays a vital role in enriching the community by participating in community service organizations and/or Credit Union sponsored events on an annual basis.
• Builds and maintains relationships in the real estate community, which includes but is not limited to realtors, attorneys, abstractors, and insurance companies.
• Fields and returns phone calls/emails from borrowers regarding their mortgage loan.
• Orders final inspections, flood determination, credit report, pre-closure credit report, verification of deposit, verification of employment, verification of mortgage or rents and other documents necessary to support the loan application and ensure complete documentation of the loan file.
• Sends a copy of the appraisal to the borrowers at least 3 days prior to closing.
• Reviews and verifies title work is clear to close and works with all parties involved to clear title objections.
• Sends a copy of the title to the borrowers to review prior to closing.
• Requests HOA letters as needed.
• Collects and verifies completeness of requested credit documents.
• Processes documents by correctly entering information into on-line computer system and scans original documents into loan software system as needed.
• Orders and reviews both the compliance report and fraud report for accuracy and discrepancies and makes any necessary corrections.
• Submits file information to automated underwriting system when necessary and verifies accuracy of the findings.
• Organizes documents in the LOS System in appropriate order and submits final applications to underwriting for approval.
• Follows up on any approval conditions for secondary market and in-house loans.
• Following approval, sends approval letter to borrowers and realtors, orders payoffs, property surveys, and orders any other required documentation to prepare closing documents.
• Requests homeowners insurance and flood insurance if applicable (personal and association) and requests mortgagee clause change prior to closing.
• Verifies the completeness and accuracy of the binder for effective dates, coverage, and address.
• Organizes documents in the LOS system in appropriate order in a timely manner to ensure prompt delivery to investors and prompt recording of the mortgages.
• Resolves any secondary market suspensions or deficiencies and follows-up on any missing documentation in mortgage file in a timely manner.
• Assists in year-end verification of HMDA reporting and 1098/1099 statements.
• Assists in all other necessary mortgage duties and projects when needed.
• Adheres to all state, federal and credit union regulations, policies and guidelines.