- Salary
- $21 – $32
- Location
- Spokane Valley, WA
- Department
- Retail
- Experience
- 3+ years
- Education
- High School
- Source
- Paylocity
Description
Description
Non-Exempt Range 8: $21.97 - $32.96
Non-Exempt Range 8C: $22.84 - $34.28
Reports to: Retail Home Equity Manager
With the goal of enhancing lives, fulfilling dreams and building communities, this position prepares processes Home Equity Loans by performing the following duties and clerical functions:
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned. To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- Contributes to the organization’s mission statement and goals by providing the highest quality of service, treating each person professionally, with warmth, courtesy and respect, and making a personal effort to make members and co-workers feel they belong and are important to Numerica.
- Effectively incorporates concepts of CARES Principles in daily behaviors and interactions: Connect – Create a welcoming, energized, and warm environment, Ask – Discover and confirm others’ needs to ensure they feel understood and known, Resolve – Take personal and full responsibility for meeting others’ needs, Elevate – Commit to long-term personal and organizational growth and improvement, Strengthen – Invest in our Numerica community and beyond
- With a high level of attention to detail provides accurate and timely processing of Home Equity loans.
- Maintain knowledge of, and adhere to all credit union regulations and compliance standards on internal and external policies, including BSA.
- Maintains current knowledge of home equity policy and procedures.
- Preforms all Home Equity processing functions, which include but are not limited to ordering and reviewing title reports, property valuations, and flood determinations. While working with external vendors when applicable to resolve issues on files.
- Reviews title policy for correct vesting, property address, lien position and special exceptions.
- Supports branch personnel on how to resolve title issues, discuss property value and satisfy hazard and flood insurance requirements when applicable.
- Monitors loan applications pending for processing and follow-up of items required to satisfy underwriting conditions and collateral conditions, such as status of title, valuation and flood.
- Reviews HMDA information for accuracy. Contacts loan officers for correction.
- Ability to back up other positions within department when needed.
SUPERVISORY RESPONSIBILITIES:
No requirement.
PERFORMANCE STANDARDS:
Performs functions with a high level of attention to detail and accuracy in timely manner. Utilizes interpersonal skills effectively in team environment. Maintains a professional posture and positive attitude at all times, to enhance member relations and enrich services delivery.
EDUCATION and/or EXPERIENCE:
High school diploma or general education degree (GED) with at least one to 3 years experience as loan processor/loan representative in a credit union, bank, or other financial institution; or equivalent combination of experience and/or training. Bi-lingual Spanish a plus.
Preferred experience: Numerica lending experience and system knowledge.
LANGUAGE SKILLS:
Ability to read and comprehend simple instructions, short correspondence and memos. Ability to write simple correspondence. Should effectively present information in one-on-one situations to members, potential members and other employees of the credit union.
INTERPERSONAL SKILLS:
Courtesy, tact and diplomacy are essential elements of the job. Work involves personal contact with others inside and/or outside the organization, generally regarding routine matters for purposes of giving or obtaining information that may require some discretion.
CERTIFICATES, LICENSES, REGISTRATIONS:
No requirement. The employee must be eligible to be registered as a loan originator with the appropriate state and/or federal agencies.
OTHER SKILLS and ABILITIES:
- Demonstrated PC skills, including Microsoft Office Suite, access the credit union’s accounting system and member account information. Ability to use and direct department usage of credit union mortgage loan processing platform.
- Spreadsheet application knowledge desirable, but not absolutely essential.
- Ability to exercise confidentiality, discretion in decision making and sound judgment in problem solving.
- Solid time management skills with ability to organize, prioritize, and perform multiple tasks simultaneously, with stringent time constraints, under pressure.
- Ability to adapt to change within working responsibilities, be it internal, market or regulatory driven.
- Additional hours as necessary to accomplish objectives, goals and projects.
- Ability to lift up to 25 lbs.
The job description doesn’t imply an employment contract, nor is it intended to include every duty, task or instruction for which the employee is responsible. Other tasks may be assigned, based on business need and at Management’s request.
Non-Exempt Range 9: $24.96 - $37.43
Non-Exempt Range 9C: $25.95 - $38.93
Reports to: Retail Home Equity Manager
With the goal of enhancing lives, fulfilling dreams and building communities this position processes small business & home equity loan files to prepare them for underwriting.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned. To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- Contributes to the organization’s mission statement and goals by providing the highest quality of service, treating each person professionally, with warmth, courtesy and respect, and making a personal effort to make members and co-workers feel they belong and are important to Numerica.
- Effectively incorporates concepts of CARES Principles in daily behaviors and interactions: Connect – Create a welcoming, energized, and warm environment, Ask – Discover and confirm others’ needs to ensure they feel understood and known, Resolve – Take personal and full responsibility for meeting others’ needs, Elevate – Commit to long-term personal and organizational growth and improvement, Strengthen – Invest in our Numerica community and beyond.
- Maintains current knowledge of strategic direction, products/services, consumer lending regulations and process changes so as to provide consistent support of department staff.
- Maintain knowledge of, and adhere to all credit union regulations and compliance standards on internal and external policies, including BSA.
- Home equity and small business compliance expert as it relates to satisfying regulatory requirements in a timely matter, ensure safe and sound processes.
- Researches and recommends process enhancements allowing for more efficient processing of home equity requests.
- Coaches branch employees who take home equity and small business applications via job shadows, phone and written communication.
- Maintains current knowledge of home equity and small business policy and procedures.
- Coaches branch personnel on how to resolve title issues, discuss property value with members and satisfy hazard and flood insurance requirements when applicable.
- Monitors pending loan applications through reports to follow-up on items required to satisfy conditions, such as status of flood, payoffs, title, and appraisal.
- Orders and reviews property valuation for accuracy and LTV and discussed deficiency in value with underwriter.
- Reviews title policy for correct vesting, property address, lien position and special exceptions then addresses issues with branch.
- Reviews HMDA information for accuracy. Contacts loan officers when a correction/addition is needed. Determines proper census codes, status and rate spread.
- Works with loan officers, title companies and attorneys to clear title problems.
- Ability to back up other positions within department when needed.
- Other duties as assigned.
SUPERVISORY RESPONSIBILITIES:
No requirement. Acts as mentor to Retail Lending Processor I.
PERFORMANCE STANDARDS:
The quality and quantity of department and program support should be representative of a professional and highly skilled individual.
EDUCATION and/or EXPERIENCE:
High school diploma or general education degree (GED) with at least three to five year’s experience as loan processor/loan representative in a credit union, bank, or other financial institution; or equivalent combination of experience and/or training. Bi-lingual Spanish a plus.
Preferred experience: Numerica lending experience and system knowledge.
LANGUAGE SKILLS:
Ability to read and comprehend simple instructions, short correspondence and memos. Ability to write simple correspondence. Should effectively present information in one-on-one situations to members, potential members and other employees of the credit union.
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 will involve motivating, influencing and training others.
CERTIFICATES, LICENSES, REGISTRATIONS:
No requirement. The employee must be eligible to be registered as a loan originator with the appropriate state and/or federal agencies.
OTHER SKILLS and ABILITIES:
This position requires knowledge of adult learning styles and advanced skills in Microsoft Office Suite software.
Knowledgeable in credit union terminology and acronyms commonly utilized in the day-to-day communication of staff, policymakers and others involved in the credit union system.
Ability to lift up to 25 lbs.
The job description doesn’t imply an employment contract, nor is it intended to include every duty, task or instruction for which the employee is responsible. Other tasks may be assigned, based on business need and at Management’s request.
Requirements
Learn more about our Benefits and Perks here-
https://www.numericacu.com/globalassets/images/pdfs/employee-benefits-summary-numerica.pdf
Numerica Credit Union is an Equal Opportunity/Affirmative Action Employer
Numerica Credit Union provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.
If you are a qualified individual with a disability or a disabled veteran, you have the right to request a reasonable accommodation for purposes of participating in the application/hiring process with Numerica Credit Union. If you are unable or limited in your ability to use or access Numerica Credit Union’s career page at www.numericacu.com as a result of your disability, you can request reasonable accommodations by calling your recruiter.