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Mortgage Loan Manager

Company: WHITE SANDS FEDERAL CREDIT UNION
Location: Las Cruces
Posted on: March 14, 2019

Job Description:

Summary Description
Responsible for the daily operations of the Mortgage Loan Department, including compliance with relevant state and federal mortgage lending laws. Monitors and analyzes economic conditions affecting the Credit Union Mortgage Loan Department and recommends appropriate action.
Essential Duties


  • Ensure mortgage loan policies, procedures, services, and products meet federal and state regulations, and investor requirements
  • Oversee the day-to-day administration of the Mortgage Loan Department; ensure that the department is well maintained, efficiently operated, and properly staffed by fostering an environment that attracts and retains a competent workforce
  • Direct the department's personnel administration activities including job assignments, training, and performance evaluations
  • Formulate and maintain complete mortgage loan procedures manual for staff training and referral
  • Establish budgets for Real Estate Department and monitors progress with emphasis on revenue generation and forced savings
  • Maintain up-to-date knowledge of general economic conditions that may affect the credit union Mortgage Loan Department
  • Maintain knowledge of competitors' rates, terms, etc., and other trends relating to real estate lending
  • Provide input and recommendation for mortgage lending interest rates
  • Monitor and coordinate the discretionary mandatory mortgage loan interest rate changes
  • Develop, analyze, and complete monthly loan reports
  • Review real estate loan approvals for soundness of decisions
  • Perform audit of real estate loan files to ensure quality and that real estate lending policies are followed
  • Develop real estate loan business through call to Realtors, Contractors, and other Institutions, and through member seminars
  • Establish and monitor control procedures for first mortgage loan portfolio
  • Give opinion on approvals or denials on real estate loan applications, and explain reasons for denial
  • Ensure that each real estate loan is processed accurately
  • Oversee accurate records of insurance and taxes on real estate loans, to ensure property taxes and insurance premiums are calculated correctly, and mortgage payment are adjusted accordingly
  • Manage second mortgage portfolio; develop marketing plan with the assistance of the Marketing Director for these products
  • Oversee delinquent Real Estate loans and take action, as necessary
  • File necessary papers with the various counties for all real estate loans
  • Oversee annual HMDA report
  • Evaluate and add new investors to expand correspondent lending channels
  • Monitor foreclosure proceedings
  • Monitor HELOC term dates, renewals and closeouts
  • Prepare ESCROW Analysis
  • Send adjustable rate change notices to members monthly
  • Substitute as Branch Manager, as needed
  • Assist in any area as directed by the Vice President (Operations) or chain-of-command thereof
    Qualifications
    Education/Experience

    • Bachelor's Degree in Business Administration or related field and/or five (5) years combination education/experience/training
    • Three (3) years mortgage loan experience, financial institution preferred
    • Three (3) years supervisory/management experience

      Tests/Certificates/Licenses

      • Simulated skills assessment test may be administered

        Skills/Competencies

        • Personal computer knowledge; using Word, Excel, Power Point
        • Ability to calculate figures and amounts (electronically and manually) such as, but not limited to; interest, dividends, percentages and apply concepts of basic mathematics
        • Ability to maintain confidentiality of work and/or information
        • Ability to interpret, adapt and apply credit union/job/general guidelines and procedures
        • Excellent public speaking, verbal and/or written communications skills (in-person and/or by telephone)
        • Demonstrated leadership, self-motivated and team-oriented qualities
        • Conduct self in a professional and mature manner
        • Ability to teach and motivate others
        • Ability to organize, prioritize and work well under pressure
        • Ability to maintain a high degree of accuracy
        • Flexible work and/or travel hours
        • Electronic storage and retrieval
        • Office electronics (printers, scanners, calculators, fax and copiers)
        • Ability to solve problems and make decisions, using logic and analytical skills
        • Ability to recognize and promote cross-selling opportunities
        • Develop working relationship with public, vendors and coworkers
        • Demonstrated organizational skills
        • Working knowledge of credit union products and services, mortgage lending principals and laws to include set-up, processing and preparation of underwriting documents, closing/funding functions and secondary job market requirements

          Physical Demands/Work Environment

          • Constantly required to talk and hear
          • Constantly required to use close vision, color vision, and ability to focus
          • Frequently required to sit; to use hands to finger, handle or feel
          • Occasionally required to lift or move up to 25-50 lbs.
          • Occasionally required to stand and walk; to reach outward/above shoulders; to stoop kneel, crouch or crawl
          • Occasionally required to work outdoors
          • Occasionally required to use distance vision, peripheral vision and depth perception
          • Moderate noise level working envrionment
            PI107264677

            Keywords: WHITE SANDS FEDERAL CREDIT UNION, Las Cruces , Mortgage Loan Manager, Executive , Las Cruces, New Mexico

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