Must demonstrate the ability to effectively process, validate, close and fund all direct real estate loans.  This associate must demonstrate excellent communication skills and be able to effectively discuss loan contingencies and closing requirements on an independent basis. Must have working knowledge of real estate products and effectiveness in closing loans or identifying cross-sell opportunities.

Must be able to assist members with their real estate lending needs, analyze complex loan requests, and make credit decisions based on lending policy and procedures.  This associate must exhibit flexibility and enthusiasm in adjusting daily work assignments, work schedule and results oriented.

• Respond to member inquiries to determine pre-qualification and/or pre-approvals and complete real estate loan applications for completeness and accuracy received via face-to-face, mail, phone or through the website in an independent and expedient manner. 
• Must be able to process and coordinate the closing of loans with members, escrow and title companies independently and in accordance with established procedures.                                                         
• Associate must be able to consistently assist members and associates in a professional & timely manner. This includes returning all phone calls as described by management, and cross-sell other products and services.
• Associate must be able to successfully perform multiple tasks and consistently meet all established goals or time lines without assistance.
• Using good judgment, interview, underwrite, recommend and/or approve all types of complex real estate loans. Identify potential counter-offer loan requests, when appropriate.
• Coordinates mortgage loan reporting, including HMDA, HOEPA and HPL as well as shipping to FNMA, Midwest or other designated investor insuring timely purchase of funded loans.
• Works with training department in coordinating and conducting training seminars. This includes making branch visits in support of providing exceptional (training) service to all frontline personnel.
• Interacts with Information Services Department on loan system; Encompass and other affiliations, ensuring proper underwriting, reporting and regulatory compliance meet established guidelines.
• Performs other duties as may be deemed necessary for the effective and efficient function of the Department or Credit Union, or as assigned by management.

Experience: A minimum of five years of experience as an underwriter is required along with the following skills:
1) Extensive knowledge of all federal, state, and investor specific regulatory and fair lending requirements
2) Ability to utilize critical and strategic thinking skills to analyze the risks and merits of a loan transaction
3) Expertise with reviewing details financial statements (1040s, K1s, 1120s, 1065s, self employed borrower transactions with multiple income streams. 
4) Strong appraisal and title report review skills
5) Ability to work in a fast paced performance environment, expertise with Encompass, Fannie Mae and Freddie Mac.  

Education:  A two-year college degree or completion of a specialized course of study at a business or trade school.

Interpersonal Skills:  A significant level of trust and diplomacy is required, in addition to normal courtesy and tact.  Work involves extensive personal contact with others and/or is usually of a personal or sensitive nature.  Work may involve motivating or influencing others.  Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary.

Other Skills:       

1)   Excellent member service skills.

2)   Must have excellent communication and math skills.

3)   Must be able to multi-tasks and set priorities in a fast paced environment.

4)   Demonstrate flexibility with assigned tasks.

5)   Good problem solver and research skills. 

6)   Knowledgeable with Word and Excel programs in order to work independently.                                                7)   Knowledgeable in consumer and real estate/mortgage loan products.              

8)   Knowledgeable in consumer and real estate regulatory compliance regulations.           

9)   Must have good verbal and written communication skills.                                                             

10)  Must have working knowledge of Southland’s Automated Loan Decision System and Encompass Loan Processing system.

11)  Must exhibit good leadership and consistent member service.

12)  Must have a thorough knowledge of pricing in regard to discount points, LLP adjustments.