CU Employment Opportunities

CU Employment Opportunities

Credit union employment opportunities remain listed for

Credit union employment opportunities remain listed for up to three months from the initial posting date unless AVCU is asked to remove them sooner.  To submit a new position, or to ask us to remove an employment opportunity that is no longer active, please email us.

AVCU is not liable for the content, veracity, or continued availability of any position listed below.  Most recent update: 5/22/20.

AVP – Mortgage Loan Originator Heritage Family Federal Credit Union (5/8)AVP – Mortgage Loan Originator Heritage Family Federal Credit Union (5/8)
Mortgage Loan Processor Heritage Family Federal Credit Union (5/8)Mortgage Loan Processor Heritage Family Federal Credit Union (5/8)

SUMMARY:

Committed to building relationships with borrowers, team members and community partners.  Responsible for analyzing credit history and documentation related to the loan application, discussing member needs, recommending best products, assisting member to complete the real estate loan package and working with team throughout the loan process.  Ideal candidate will successfully communicate the credit union difference, the mortgage process and set realistic expectations for members throughout the process.  Approve or deny loan applications based on analysis of applicant loan documentation.  Operate under moderate credit authority.  Promote other credit union products and services.

ESSENTIAL FUNCTIONS AND BASIC RESPONSIBILITIES:
  • Develop strategies to build loan pipeline through member interactions, seminars, building relationships with community partners (realtors, contractors, attorneys and other institutions).  Attend community events and functions in assigned territories.
  • Interview loan applicants and assist members with the loan application process.  Maintain clear and frequent communication with all essential parties throughout the loan process.
  • Evaluate and analyze credit bureau reports for all applicants.  Embrace best practices for product recommendations and referrals.
  • Review loan application and all documentation provided, verify assets and liabilities, estimate monthly payments for any outstanding debts not listed on credit bureau and add them to debts on application.
  • Approve or deny real-estate loan applications, and explain reasons for denial.
  • Ensure that each real-estate loan is processed accurately and within regulatory compliance.
  • Review loan application and document packet for closing.
  • Review title searches, legal work, and appraisals.
  • Monitor delinquent real-estate loans, and take action as necessary.
  • Establish and monitor control procedures for first-mortgage loan portfolio.
  • Attend all required training sessions (regulatory, investor, CUPATs) and complete required training in a timely manner.  Attend and participate in other group or company meetings as required.\
  • Maintain a clean and well organized work area and contribute to the overall cleanliness of the HFCU properties.
  • Perform miscellaneous requests, respond to email and phone inquiries, file, fax and mail information.
  • Assist and back-up other staff as needed.
JOB COMPETENCIES / REQUIREMENTS:
  • Knowledge of and ability to process loan records and to manage information and data, generate reports, and reconcile accounts accurately.
  • Handle all information/documents in a confidential and secure manner. Be aware of surroundings when working with member files and when speaking with members, both in person or over the phone, when discussing or gathering personal and confidential information.
  • Ability to understand and analyze personal and business tax forms.
  • Good organizational, communication and business writing skills to exhibit professionalism and deal effectively with internal and external contacts.
  • Conscientious, comfortable with detail, and the ability to be multi-tasked to coordinate and prioritize the workday efficiently. Comfortable working under pressure, self motivated and able to work in a team environment.
  • Ability to understand and monitor compliance functions and responsibilities assigned within a credit union and the ability to stay current in the changing environment of regulation and compliance.
  • Ability to work cooperatively with others to identify, recommend and implement opportunities for increased efficiency.
EDUCATION / KNOWLEDGE & EXPERIENCE:

A high school diploma or equivalent.  Experience dealing with loan records and servicing within a financial institution preferred.

Good writing and verbal communication skills and ability to prepare written documents.  Excellent phone skills/etiquette and the ability to communicate clearly and effectively over the phone.

Basic computer knowledge, proficient use of calculator, keyboard, and experience with Microsoft Office Products required.  Experience with financial institution software systems preferred.

WORKING CONDITIONS / ENVIRONMENT:

This position requires moderate travel between branches, to community events and to training opportunities.  This position requires sitting for long periods of time and working primarily at a workstation or desk in an open office environment.  Daily tasks include extensive use of a computer performing standard keyboard functions, requiring repeated motion, as well as extensive use of the phone. Stretching breaks are recommended to avoid injury.  Some light lifting and carrying of large paper files.  Equipment is available and recommended for use of transporting large quantities of files to and from various locations.

To apply for this position, visit the credit union’s website at www.hfcuvt.com/careers.

EOE

SUMMARY:

Committed to building relationships with borrowers, team members and vendors.  Responsible for working collaboratively with the AVP Mortgage Loan Originator to originate and process loans from application through scheduling the closing, including issuing required documents, ordering reports, requesting and obtaining conditions, and maintaining organized files and pipelines.  Ideal candidate will successfully communicate the credit union difference, the mortgage process and set realistic expectations for members and all interested parties throughout the process.  Promote other credit union products and services.  Work collaboratively with internal parties related to the transaction, as well as vendors and all external related parties.

ESSENTIAL FUNCTIONS AND BASIC RESPONSIBILITIES:
  • Issue all required documents from application through scheduling the closing, including Loan Estimate of closing costs, Commitment Letters, required disclosures, applications, etc.
  • Request all verifications requested and required, including appraisals, title reports, flood certificates, income, asset, and loan verifications.
  • Request additional items and documents from the borrowers as required for the loan.
  • Maintain clear and frequent communication with all essential parties throughout the loan process.
  • Ensure that each real-estate loan is processed accurately and within regulatory compliance.
  • Review title searches, legal work, and appraisals for accuracy.
  • Attend all required training sessions (regulatory, investor, CUPATs) and complete required training in a timely manner.  Attend and participate in other group or company meetings as required.
  • Maintain a clean and well-organized work area and contribute to the overall cleanliness of the HFCU properties.
  • Perform miscellaneous requests, respond to email and phone inquiries, file, fax and mail information. Assist and back-up other staff as needed.
  • Understand government, state, and mortgage lending requirements.
  • Discuss with borrowers’ various aspects of the mortgage process, including review of issued documents.
  • Assist in identifying and correcting any deficiencies found in the files during pre and post-closing quality control reviews in a timely and efficient manner.
JOB COMPETENCIES / REQUIREMENTS:
  • Knowledge of and ability to process loan records and to manage information and data accurately and efficiently.
  • Handle all information/documents in a confidential and secure manner. Be aware of surroundings when working with member files and when speaking with members, both in person or over the phone, when discussing or gathering personal and confidential information.
  • Good organizational, communication and business writing skills to exhibit professionalism and deal effectively with internal and external contacts.
  • Conscientious, comfortable with detail, and the ability to be multi-tasked to coordinate and prioritize the workday efficiently. Comfortable working under pressure, self motivated and able to work in a team environment.
  • Ability to understand and monitor compliance functions and responsibilities assigned within a credit union and the ability to stay current in the changing environment of regulation and compliance.
  • Ability to work cooperatively with others to identify, recommend and implement opportunities for increased efficiency.
EDUCATION / KNOWLEDGE & EXPERIENCE:

A high school diploma or equivalent.  Experience dealing with loan records, working in a loan origination platform, and servicing within a financial institution preferred.

Good writing and verbal communication skills and ability to prepare documents.  Excellent phone skills/etiquette and the ability to communicate clearly and effectively over the phone.

Basic computer knowledge, proficient use of calculator, keyboard, and experience with Microsoft Office Products required.  Experience with financial institution software systems preferred.

WORKING CONDITIONS / ENVIRONMENT:

This position requires sitting for long periods of time and working primarily at a workstation or desk in an open office environment.  Daily tasks include extensive use of a computer performing standard keyboard functions, requiring repeated motion, as well as extensive use of the phone. Stretching breaks are recommended to avoid injury.  Some light lifting and carrying of large paper files.  Equipment is available and recommended for use of transporting large quantities of files to and from various locations.

To apply for this position, visit the credit union’s website at www.hfcuvt.com/careers.

EOE