Job Description

Essential Functions & Responsibilities:

Acts as secondary underwriter and other back up as needed depending on volume and staffing. Provides technical training and development to all mortgage operational staff on an ongoing basis. Ensure staff comply with all regulatory requirements and with current and pending applicable rules, laws and regulations. Works closely with the Director of Real Estate Lending in developing and implementing organization, strategy and policies. Collaborate with Retail Banking and Mortgage Originators to ensure the loan origination experience is timely and efficient. Stays current with compliance, underwriting and closing requirements (FNMA, FHLMC, FHLB, FHA/VA). Monitors daily performance metrics and reports on department performance against approved operational goals and objectives. Manages third party vendor relationships, including but not limited to title providers, appraisal management companies, and quality control companies, to assure adherence to standard service and quality levels. Assists in the development and implementation of a digital mortgage lending experience through online and mobile channels. Assists the Director of Real Estate Lending in developing short- and long-term goals for the department; ensure the goals are aligned with the vision and strategic priorities of Clark County Credit Union. Participate in audits and exams. Administrator/support for Loan Origination System(s). Knowledge selling loans to agencies and secondary market. Servicing/Subservicing knowledge, to include- loan boarding, payment processing, escrow management, loan modifications. Act as liaison with sub-servicer.

Knowledge and Skills:

Experience- Five to ten years of similar or related experience. Thorough knowledge of real estate residential loan origination, processing, underwriting, closing, paperless environment, agency guidelines, and all regulatory compliance procedures. Thorough knowledge of real estate pipeline management and metrics analysis to meet expected results. Strong management, analytical and problem resolution. Strong organization, verbal and written communication. Knowledge of current State and Federal laws (Regulation Z, Regulation B, Military Loan Act, HMBA, the Fair Credit Reporting Act, RESPA, Equal Credit Opportunity Act, and Fair and Responsible Lending). Strong knowledge of residential mortgage lending and loan documentation requirements.



Education High School diploma; college degree preferred/equivalent combination of work experience.

Preferred Proficiencies:

HMDA Reporting


MERS Registration/Reconciliation/Reporting


Quality Control, Prefund/Post Close/Adverse


Regulation B Reporting, including Adverse Action


Audit functions


Compliance


Knowledge creating Excel spreadsheets