Job Description

Under the direction of the SVP/ Residential Lending, responsible for application input, disclosing and processing all branch and online originated home equity loans.

Responsibilities:

• Works both independently and collaboratively as a team with branches, attorney's, closing, loan servicing, operations team to ensure a smooth process from application to closing.
• Partners with management to ensure all loans meet regulatory guidelines and appropriate conditions are obtained.
• Strives to ensure a frictionless member experience throughout the loan cycle by communicating key updates to the member and branch, such as: loan decision, condition requirements and loan status. Follows up and reviews required underwriting conditions with members. Signs off on conditions as appropriate.
• Reviews new HE applications for completion and follow up with originating branch rep as needed.
• Prepares and sends any additional required disclosures throughout the process, as applicable.
• Prepares and reviews disclosures for completion and compliance before being sent to the member.
• Sends welcome emails to the Branch and/or member to request documentation needed in order to move files in to underwriting per required timelines.
• Manages assigned pipeline of loans ensuring required timelines are met. Ensures all compliance requirements are met on every file.
• Orders appraisals, flood certifications, title work, verifications and credit report updates, as required.
• Ensures proper maintenance of Encompass throughout the application process, including updating income, credit and collateral information based on documentation received throughout the loan process.
• May be required to provide rates and repayment schedules on mortgages, accept applications and perform other duties requiring NMLS credentials.

Requirements:

• High School diploma or equivalent
• 3 years' experience working in a loan processing, closing, servicing or underwriting environment.
• Strong analytical, organizational, and detail-oriented skills.
• Excellent written and spoken communication skills.
• Experience using Encompass Loan Origination System (LOS) preferred.
• Excellent computer skills in Microsoft Windows Environment to include Outlook, Word, and Excel.
• Knowledge of federal and local regulations or ordinances concerning lending activities
• n depth knowledge of home equity products, policies and procedures.

Benefits:

RFCU offers a comprehensive benefits package, including Cigna medical benefits, dental benefits, vision benefits ,a 401(k) plan with company match and profit-sharing potential, flexible health and dependent care plans, and life, AD&D, and LTD insurance. We also provide a generous and flexible tuition reimbursement program, along with a PTO package designed to help employees recharge and enjoy time with family and friends.

In alignment with our commitment to pay transparency, we're pleased to share that the base hourly range for this position is $24.00 - $30.00 , excluding fringe benefits or potential incentives. If you're hired at Rockland Federal Credit Union, your final base pay will be determined based on factors such as skills, education, and experience. We also take pay equity seriously and consider the internal equity of our current team members as part of any final offer. Please note that the range provided reflects the full base pay for this role. We also offer a comprehensive compensation and benefits package designed to support your overall well-being and success.

Rockland Federal Credit Union is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability .

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