Please reference the schedule and minimum qualifications listed below before applying.

If you need assistance with filling out our application form or during any phase of the application, interview, or employment process, please notify our Human Resources Team at 801-366-6947 option 1 or email macurecruiting@macu.com and every reasonable effort will be made to accommodate your needs in a timely manner.

Job Summary

Job Description

To be effective, an individual must be able to perform each essential duty successfully.

• Reviews leads as assigned. Determine eligibility of prospective borrower through interviews, verification of documents, and other third party information. Assess the correct loan options for the borrower based upon the member’s present situation and future plans and advise the member of the loan products that will meet their needs.
• Takes a complete loan application including addresses, phone numbers, account numbers, etc. and send complete file to corporate within 24 hours of completion.
• Operates the LOS (Loan Origination System) Encompass.
• Runs and analyzes credit report and AUS (automated underwriting system)
• Orders title reports and appraisals; analyzes title insurance policies and property appraisal reports.
• Analyzes income documents (paystubs, personal and business taxes) and calculates debt ratios
• Interprets strengths and weaknesses for each loan application.
• Demonstrates knowledge of Reg Z and RESPA regulations
• Cross-sells other credit union products and services
• Keeps track of all contract dates and deadlines to avoid costly extensions or loss of property and/or earnest money deposit.
• Stays in contact with members and/or realtors during the loan process to keep them informed. Return calls promptly < 24 hours.
• Locks or floats rates according to member’s direction.
• Attends loan closings
• If unable to grant a mortgage to a member, councils with member about their credit and achieving their credit goals.
• Answers incoming calls to our main mortgage line in order to provide prompt service
• Performs other duties as assigned.

KNOWLEDGE, SKILLS and ABILITIES

The requirements listed are representative of the knowledge, skills, and/or abilities required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the job functions.

Experience

One to three years of service at MACU or similar financial work experience.

Education

High school equivalent or a two-year college degree or completion of a specialized course of study at a business or trade school.

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Licenses, Certificates, Registrations

Active NMLS number.  The Secure and Fair Enforcement for Mortgage Li­censing (S.A.F.E) Act requires all mortgage loan orig­inators to register on a federal registry. Individuals employed by MACU that are not registered on the Nationwide Mortgage Licensing System and Registry (NMLS) are barred from originating mortgages.

Managerial Responsibility

Has no supervisory/managerial responsibilities.

Language Skills

Must have the ability to read and interpret documents such as tax returns, income statements, contracts and documents regarding real estate transactions, loan program guidelines, AUS findings and preliminary title reports.  Ability to speak effectively before groups of employees, members, or clients. Ability to effectively communicate across all channels such as telephone, email, text and in person. The majority of the communication is done through email and by phone; this requires a high-degree of clarity in writing and the ability to convey mortgage concepts in an understandable way.

Qualified Candidates must have excellent communication and interpersonal skills. Attention to detail and follow-up is critical to success. Excellent customer service is paramount to this position.

Computer/Office Equipment Skills 

Intermediate to Advanced skills in the following: Adding machine/10-Key, computer operating skills (windows navigation, mouse/keyboard functionality), Microsoft Outlook, Microsoft Office Suite. Must have the ability to type a minimum of 35 words per minute

Other Skills and Abilities                                                                                         

Must have the ability to understand and carry out instructions in written, oral, or diagram form. Ability to deal with problems involving several variables.

PHYSICAL REQUIREMENTS/ WORKING CONDITIONS

Physical Demands

Requires frequent, sitting, using hands to handle or feel, reaching with hands and arms, talks and hears.

Vision Requirements

Requires close, distance, peripheral and depth perception vision as well as the ability to focus.

Weight Lifted or Force Exerted       

Frequently lifts up to 10 pounds, occasionally lifts up to 25 pounds and rarely lifts up to 100 pounds.

Environmental

Office type conditions – indoors.

Noise Environment

Moderate noise such as in a business office with equipment and light traffic.

***This Job is not eligible to be performed in Colorado or Connecticut, either remotely or in-person.***

Mountain America Credit Union is an EEO/AA/ADA/Veterans employer.