Open Positions

Data Analyst - Information Technology (IT) Floating Member Service Representative II - 40hrs Fraud Investigator - McLeod Office Home Equity Loan Officer - McLeod
Member Service Rep II - 40 hour - Buffalo Branch Member Service Rep II - Aliante Branch - 20 hours Member Service Rep II - Durango Branch - 40 hrs Mortgage Loan Originator

Data Analyst - Information Technology (IT)

40 Hours 

8:30am-5:30pm

McLeod Office

4221 McLeod Drive. 

Las Vegas, NV 89121

SUMMARY:

The Data Analyst will provide critical data reporting delivery, packaging, and analytic capabilities. This role will analyze complex data structures to generate useful business insights and develop reporting to monitor business critical results. The Data Analyst will support the leadership team with data consultation, data gathering, data delivery, and data analysis. 

 

ESSENTIAL DUTIES AND RESPONSIBILITIES may include the following.  Other duties may be assigned.

Information Technology Team Member

Investigate data issues in account data from acquisition through presentation in the UI.

Assist in identifying issues that may adversely affect the performance of the Information

Technology department.

Perform unscheduled ad-hoc analysis for business partners and the credit union team.

Answer and document 'help desk' phone calls from credit union employees.

Participate on project teams.

Communicate with business partners to establish data requirements.

Be the official Information Technology representative in a variety of credit union endeavors.

Present final analysis to business partners and/or the credit union team.

Consult within and outside of Information Technology, professionally, to enlighten and educate.

 

Reporting and Analytics

Create tools or queries to obtain data from central data repository for the purposes of reporting and analysis.

Empower every user with data so they can make sound decision.

Perform ad-hoc analysis for business partners and the credit union team.

Implement analytic directives on data from senior staff and clients and develop written reports as needed.

Run SQL queries to produce counts, statistics, reports and graphs to circulate quantitative information to all departments.

Analyzing data sets and presenting results in an easily readable format.

Interpret available data to identify significant trends in operational statistics and prepare conclusions and forecasts based on those trends.

Use a variety of database software techniques to produce various media tools such as: reports, charts, graphs, lists, labels, memos, etc

Recommend and/or identify key business metrics.  

Create or update reporting presentations and other documentation.

 

Documentation and Technical Writing

Assist in designing, documenting, programming and standardizing processes and reports.

Participate in quality assurance of measures including test case creation, SQL code review, independent results validation, and pulling sample cases from member data to support User Acceptance Testing.

Audit processes to ensure adherence to defined policies, processes, and procedures; generate formal report of audit findings.

Create or update documentation including policies, data flows, methods and procedures and other documentation as required.

 

Data Management and Data Integrity

Manipulating large data files using SQL, MS Query and MS Excel including pivoting capabilities and creating macros.

Ability to handle large data sets while maintaining database integrity.

Creating and scheduling targeted reports, data collection jobs, integration(s), and secure transfers of data.

May code new or modified programs, reuse existing code through the use of program development software alternatives and/or integrate purchased solutions.

Document, test, implement and provide on-going support for the application(s).

Assure validity by checking data accuracy, applying reasonability checks, and maintaining audit trails.

 

 

EDUCATION and/or EXPERIENCE:

BS in Computer Science or comparable accredited program with a quantitative emphasis or equivalent experience.

Experience with validating data from various data sources; flat files and relational databases (often in the same project).

Experience in data mining or profiling using query tools such as SQL, Excel, etc.

Experience with stdin/stdout and/or Batch Scripting a plus.

Some Familiarity with Unix environment a plus.

Experience with Symitar PowerOn (formerly RepGen) a plus.

 

*ONLY FULLY COMPLETED APLICATIONS WILL BE CONSIDERED*

**SEE RESUME ON APPLICATIONS WILL NOT BE CONSIDERED**

SSSCU IS AN EQUAL OPPORTUNITY EMPLOYER 


Floating Member Service Representative II - 40hrs

40 Hours

Mon - Sat (varied)
McLeod Office (Base)
4221 McLeod Dr.
Las Vegas, NV 89121

SUMMARY:

Responsible for presenting and explaining credit union products and services to members and assisting them to utilize these products and services.  Assist members in resolving account related problems by recommending solutions that will meet and/or exceed their requests.  Build member relationship through proactively identifying additional products and services that will aid the member in achieving their financial goals.  Communicate effectively with prospective and current members and to represent the credit union in a positive and professional manner.  Provide highest level of caring, personalized service and quality products, while staying abreast of members’ needs and expectations.  This position must have reliable transportation and be able to commute to all SSSCU branch locations.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following.  Other duties may be assigned.

In accordance with prescribed methods and operating policies and established practice, the Floating Member Service Representative II:

Must be available to work flexible hours Monday through Saturday at all SSSCU locations.

Greets and interviews members to determine financial needs.  Suggests and explains appropriate deposits, lending and investment products.  Describes and recommends suitable insurance products and automated services.  Directs members to appropriate staff member or department.

Processes a variety of financial transactions for members including the opening and closing of accounts, issuing checks, processing deposits and withdrawals from accounts, filing insurance claims, issuing certificates, drafts and other negotiable instruments.

Responds and researches member inquiries regarding the operation of accounts, access to services, resolving account discrepancies, balancing and reconciling, adding or reducing service features on various accounts, and assisting members to make the most effective use of automated services.

Explains the features and benefits of credit union electronic services and approves applications.  (Debit Card, Voice Response, Online Bill Pay, Online Banking, Direct Deposit, ACH Debit/Credit and Payroll Deduction)

Performs clerical duties such as photocopying, faxing, processing incoming and out going mail, filing and notary services.

May perform Senior Member Service Representative duties as required in their absence.

Performs all lending functions as required at the branch level.

Assists in training new Member Service Representative in all financial service transactions and procedures.

Performs various duties to provide members Safe Deposit services.

Meet and/or exceed assigned goals.

Follow established credit union policies and procedures, government rules and regulations and visitor and security guidelines.

Performs other duties as assigned.

 PERFORMANCE STANDARDS:

Must fully understand credit union products and services and be able to cross-sell members to use these products and services. Must fully understand the factors considered in the credit qualification process, and the appropriate steps to insure compliance with applicable regulations.  Accurately completes system input to obtain valid credit scores. Must be competent and comfortable in the sales environment.  Cooperative and positive attitude toward members, potential members and credit union staff.  Maintains professional appearance and demeanor.  Understands the importance of "first responders' role in the overall image and service satisfaction of members, and continuously works to maintain a high satisfaction standard.  Telephone experience preferred in customer service, as well as ability to communicate clearly.

 QUALIFICATION REQUIREMENTS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.  The person in this position is required to operate a motor vehicle and maintain a valid driver’s license. The requirements listed below are representative of the knowledge, skill, and/or ability required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE:

High school diploma or general education degree (GED); and a minimum of one year related experience and/or training; or equivalent combination of education and related experience.  Thorough knowledge of credit union's computer system for performing basic input/output tasks including Word and Excel desired.

*Only fully completed applications will be considered*

*"See Resume" on application will not be considered*

Silver State Schools Credit Union is an Equal Opportunity Employer (EOE)


Fraud Investigator - McLeod Office

40 Hours
4221 McLeod
Las Vegas NV 89121

SUMMARY:

Responsible for detecting, mitigating and resolving all fraud issues within the Credit Union.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

Prepares, reviews, tracks and reports on all fraud functions.

Recommends policies, establishes/modifies documentation and coordinates implementation of loss prevention control procedures.

Processes all fraud related claims submitted to the credit union in accordance with all pertinent regulations.

Investigates fraud with the intention of recovering assets through charge back processing, submission to law enforcement, submission for bond recovery and other collection efforts.

Represents credit union in all fraud cases with law enforcement and court officials.

Researches, recommends and implements fraud loss mitigation techniques to management.

Works with staff and the internal auditor to ensure loss prevention and compliance issues are addressed within the credit union. Assists in the creation of annual BSA and compliance training and train all credit union staff as assigned.

Works with members to address issues related to the Loss Prevention department functions to ensure excellent member service.

Advises management on desirable operational adjustments due to regulatory change, environmental change, vendor requirement change that impact the risk to the credit union.

Reviews and acts on all suspects assigned in the Yellowhammer system.

Ability to perform primary functions of all other Loss Prevention department employees.

Processes returned deposit items and investigates as necessary.

Special projects, research, analysis or other duties as assigned by the Manager.

PERFORMANCE STANDARDS:

Must be able to communicate well with other credit union employees and demonstrate leadership ability. A professional attitude and appearance is vital to the success of this position. Must be able to delegate responsibilities to other employees, when appropriate, to achieve goals in an efficient manner. Must have a complete understanding of computer and loss prevention functions and be able to provide solutions to problems for the loss prevention staff as needed.
QUALIFICATION REQUIREMENTS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE:

Associate's degree (A. A.) or equivalent from two year college or technical school; plus a minimum of one year related experience and/or training; or equivalent combination of education and experience.

LANGUAGE SKILLS:

Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence and procedure manuals. Have the ability to effectively present information and respond to questions from groups of managers, Board of Directors, members and the general public.

MATHEMATICAL SKILLS:

Ability to work with mathematical concepts such as probability and statistical inference. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.

REASONING ABILITY:

Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

CERTIFICATES, LICENSES, REGISTRATIONS: None

OTHER SKILLS and ABILITIES:

Ability to operate personal computer. Familiarity with credit union accounting terminology and standards. Familiarity with credit union system terminology and acronyms. Ability to utilize word processing and spreadsheets.

*ONLY FULLY COMPLETED APPLICATIONS WILL BE CONSIDERED*

**SEE RESUME ON APPLICATIONS WILL NOT BE CONSIDERED**


Home Equity Loan Officer - McLeod

40 Hour
Mon - Fri   8:00-5:00
McLeod Office
4221 McLeod
Las Vegas, NV  89121

SUMMARY:

A Home Equity Loan Officer primarily verifies and coordinates borrower(s) supplied loan file documentation and the loan application detail in conformity with credit union guidelines, to the credit union’s lending technology platform and with loan file automated underwriting or manual underwriting approval conditions. This position contributes to ensure optimal lending department process fluidity and compliance with credit risk parameters.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following: 

  • Contribute to the development and refinement of the credit union’s lending vision and strategy working in a team environment focused on member service and closing quality loans in a timely manner.
  • Develop and demonstrate a subject matter expertise pertaining to lending regulations and the credit union’s lending policies, operating guidelines, or operating procedures.
  • Communicate with loan applicants with respect to determining what a borrower is trying to accomplish with their loan request and obtaining a clear aspect of their capacity and intent to make payments; clarifying and setting good expectations, explaining required supporting documentation and valuation of collateral, ensuring that the member understands all aspects of loan qualification parameters as well as providing an optimal level of member service.
  • Present to borrowers various ancillary loan products (debt protection and/or guaranteed asset protection or extended warranty products on collateralized loans) in an attempt to cross-sell these products or to reinforce the existing prior presentation of a frontline staff member or indirect lending dealer, merchant, retailer or contractor.
  • Verify loan application data ensuring that all borrower supplied documentation, any associated service provider information matches the lending technology platform data and conforms to all loan approval parameters, lending regulations and the credit union’s loan policies and operating guidelines.
  • Certification of each applicable task, stipulation or condition within a lending technology platform as applicable; which is contemporaneously time and date stamped by the lending technology platform based on the loan coordinator’s platform login.
  • Ensure that all loan file supporting documentation is captured electronically, including work papers or checklists used in verifying loan file information within the lending technology platform prior to loan approval.
  • Prepare and deliver any required loan disclosures to a borrower(s) as required by applicable regulation in a timely manner.
  • Divulge all aspects of a borrower’s application as well as a judgment of any borrower’s ability or intent to be able to make payment, any aspect of any collateral valuation or any issue with regard to properly titling/pledging any collateral (on a secured loan application) to an underwriter making a credit decision on a loan. Notates such observations as well as any communication related to a loan file within the loan’s comment log within the lending technology platform.
  • Re-submit new or changed loan file data to an underwriter, prior to loan closing and delivers any required re-disclosures to borrowers as applicable, both in a timely manner.
  • Prepare and deliver adverse action notices on loan files that are denied, cancelled and withdrawn in a timely manner.
  • Prepare appropriate loan documents on approved loans for borrower(s) signature.
  • Review executed loan documents on closed loans, funding the loan in the credit union’s loan servicing platform after ensuring all specific loan and borrower loan-level attributes are present in the credit union’s lending technology platform and that they will transfer as such to the credit union’s loan servicing platform.
  • Ensure that all executed closing documents are archived electronically within the credit union’s lending technology platform.
  • Perform such other functions as assigned by the Chief Credit Officer, the Director Loan Operations, or the Loan Operations Manager.

PERFORMANCE STANDARDS:

Maintain a professional attitude and appearance as well as the ability to communicate effectively with members, staff and service providers.  Execute the timely completion of assigned duties and utilize interpersonal skills effectively in a team environment.

QUALIFICATION REQUIREMENTS:

To perform the job successfully, an individual must be able to perform each essential duty satisfactorily with a high attention to detail in order to eliminate errors on repetitive takings, as well as demonstrating good organizational, time management and customer service skills with an ability to communicate verbally and writing in a clear, concise manner. Must also be able to inspect and identify documentation errors and requires the ability to work basic mathematical formulas. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE:

High School diploma and/or work experience of at least 2 years working with consumers in a transactional capacity.

COMMUNICATION SKILLS:

An individual holding this position must be able to demonstrate an ability to read, speak and interpret written documents, technology platform documentation and associated operating manuals in English. A capability to also understand verbal Spanish language skills is preferred.

An individual must be able to demonstrate an ability to develop and write routine reports and correspondence effectively in English. A capability to also read and understand Spanish is preferred.

An individual holding this position must be able to employ active listening skills when conducting business related conversations, ensuring that you fully understand the nature of a request before proffering a solution or advice, and demonstrate an ability to communicate effectively with members, to credit union management, the credit union’s board of directors, the credit union’s employees or the various service providers used by the credit union.

MATHEMATICAL SKILLS:

An individual holding this position must be able to demonstrate an ability to calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages.

REASONING ABILITY:

An individual must be able to understand and articulate various lending concepts, their role and value in the organization, solve practical problems while dealing with a variety of concrete variables in situations where standardization exists and to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

CERTIFICATES, LICENSES, REGISTRATIONS:

Must have or obtain any license, certificates or registration as required by state or federal agencies that are presently required or may be required in the future.

OTHER SKILLS and ABILITIES:

An individual holding this position must be able to operate general office machines. computers and equipment with a general grasp on the use of the Microsoft Office Suite of products (Excel, Access, Word, PowerPoint) and with internet searches to quickly locate pertinent information for research; as well as a demonstrated ability to comprehend and manipulate the credit union’s core technology platform as well as technology platforms used within the department.

 

*ONLY FULLY COMPLETED APPLICATION WILL BE CONSIDERED*

** "SEE RESUME" ON APPLICATIONS WILL NOT BE CONSIDERED**

**SILVER STATE SCHOOLS CREDIT UNION IS AN EQUAL OPPORTUNITY EMPLOYER**


Member Service Rep II - 40 hour - Buffalo Branch

40 HRS PER WEEK

Mon- Sat (various)

BUFFALO BRANCH

1650 N. Buffalo Drive

Las Vegas NV   89128

SUMMARY

Responsible for presenting and explaining credit union products and services to members and assisting them to utilize these products and services.  Assist members in resolving account related problems by recommending solutions that will meet and/or exceed their requests.  Build member relationship through proactively identifying additional products and services that will aid the member in achieving their financial goals.  Communicate effectively with prospective and current members and to represent the credit union in a positive and professional manner.  Provide highest level of caring, personalized service and quality products, while staying abreast of members’ needs and expectations.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following.  Other duties may be assigned.

In accordance with prescribed methods and operating policies and established practice, the Member Service Representative II

Greets and interviews members to determine financial needs.  Suggests and explains appropriate deposits, lending and investment products.  Describes and recommends suitable insurance products and automated services.  Directs members to appropriate staff member or department

Processes a variety of financial transactions for members including the opening and closing of accounts, issuing checks, processing deposits and withdrawals from accounts, filing insurance claims, issuing certificates, drafts and other negotiable instruments.

Responds and researches member inquiries regarding the operation of accounts, access to services, resolving account discrepancies, balancing and reconciling, adding or reducing service features on various accounts, and assisting members to make the most effective use of automated services. 

Explains the features and benefits of credit union electronic services and approves applications.  (Debit Card, Voice Response, Online Bill Pay, Online Banking, Direct Deposit, ACH Debit/Credit and Payroll Deduction)

Performs clerical duties such as photocopying, faxing, processing incoming and out going mail, filing and notary services.

May perform Senior Member Service Representative duties as required in their absence.

Performs all lending functions as required at the branch level. 

Assists in training new Member Service Representative in all financial service transactions and procedures.

Performs various duties to provide members Safe Deposit services. 

Meet and/or exceed assigned goals.

Follow established credit union policies and procedures, government rules and   regulations, and visitor and security guidelines.

Performs other duties as assigned.

EDUCATION and/or EXPERIENCE: 

High school diploma or general education degree (GED); and a minimum of one year related experience and/or training; or equivalent combination of education and related experience.  Thorough knowledge of credit union's computer system for performing basic input/output tasks including Word and Excel desired.

*ONLY A FULLY COMPLETED APPLICATION WILL BE CONSIDERED*

** "SEE RESUME" ON APPLICATION WILL NOT BE CONSIDERED**

Silver State Schools Credit Union is an Equal Opportunity Employer (EOE)

 


Member Service Rep II - Aliante Branch - 20 hours

Part-time, 20 hours per week

Aliante Branch

6855 Aliante Parkway

North Las Vegas   89084

 

 

SUMMARY

Responsible for presenting and explaining credit union products and services to members and assisting them to utilize these products and services.  Assist members in resolving account related problems by recommending solutions that will meet and/or exceed their requests.  Build member relationship through proactively identifying additional products and services that will aid the member in achieving their financial goals.  Communicate effectively with prospective and current members and to represent the credit union in a positive and professional manner.  Provide highest level of caring, personalized service and quality products, while staying abreast of members’ needs and expectations.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following.  Other duties may be assigned.

In accordance with prescribed methods and operating policies and established practice, the Member Service Representative II

Greets and interviews members to determine financial needs.  Suggests and explains appropriate deposits, lending and investment products.  Describes and recommends suitable insurance products and automated services.  Directs members to appropriate staff member or department

Processes a variety of financial transactions for members including the opening and closing of accounts, issuing checks, processing deposits and withdrawals from accounts, filing insurance claims, issuing certificates, drafts and other negotiable instruments.

Responds and researches member inquiries regarding the operation of accounts, access to services, resolving account discrepancies, balancing and reconciling, adding or reducing service features on various accounts, and assisting members to make the most effective use of automated services. 

Explains the features and benefits of credit union electronic services and approves applications.  (Debit Card, Voice Response, Online Bill Pay, Online Banking, Direct Deposit, ACH Debit/Credit and Payroll Deduction)

Performs clerical duties such as photocopying, faxing, processing incoming and out going mail, filing and notary services.

May perform Senior Member Service Representative duties as required in their absence.

Performs all lending functions as required at the branch level. 

Assists in training new Member Service Representative in all financial service transactions and procedures.

Performs various duties to provide members Safe Deposit services. 

Meet and/or exceed assigned goals.

Follow established credit union policies and procedures, government rules and   regulations, and visitor and security guidelines.

Performs other duties as assigned.

EDUCATION and/or EXPERIENCE: 

High school diploma or general education degree (GED); and a minimum of one year related experience and/or training; or equivalent combination of education and related experience.  Thorough knowledge of credit union's computer system for performing basic input/output tasks including Word and Excel desired.

*ONLY FULLY COMPLETED APPLICATIONS WILL BE CONSIDERED*

**"SEE RESUME" ON APPLICATIONS WILL NOT BE CONSIDERED**

Silver State Schools Credit Union is an Equal Opportunity Employer (EOE)


Member Service Rep II - Durango Branch - 40 hrs

40 Hours 

Durango Branch

4055 S. Durango Drive

Las Vegas NV   89147

 

SUMMARY

Responsible for presenting and explaining credit union products and services to members and assisting them to utilize these products and services.  Assist members in resolving account related problems by recommending solutions that will meet and/or exceed their requests.  Build member relationship through proactively identifying additional products and services that will aid the member in achieving their financial goals.  Communicate effectively with prospective and current members and to represent the credit union in a positive and professional manner.  Provide highest level of caring, personalized service and quality products, while staying abreast of members’ needs and expectations.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following.  Other duties may be assigned.

In accordance with prescribed methods and operating policies and established practice, the Member Service Representative II:

Greets and interviews members to determine financial needs.  Suggests and explains appropriate deposits, lending and investment products.  Describes and recommends suitable insurance products and automated services.  Directs members to appropriate staff member or department

Processes a variety of financial transactions for members including the opening and closing of accounts, issuing checks, processing deposits and withdrawals from accounts, filing insurance claims, issuing certificates, drafts and other negotiable instruments.

Responds and researches member inquiries regarding the operation of accounts, access to services, resolving account discrepancies, balancing and reconciling, adding or reducing service features on various accounts, and assisting members to make the most effective use of automated services. 

Explains the features and benefits of credit union electronic services and approves applications.  (Debit Card, Voice Response, Online Bill Pay, Online Banking, Direct Deposit, ACH Debit/Credit and Payroll Deduction)

Performs clerical duties such as photocopying, faxing, processing incoming and out going mail, filing and notary services.

May perform Senior Member Service Representative duties as required in their absence.

Performs all lending functions as required at the branch level. 

Assists in training new Member Service Representative in all financial service transactions and procedures.

Performs various duties to provide members Safe Deposit services. 

Meet and/or exceed assigned goals.

Follow established credit union policies and procedures, government rules and   regulations, and visitor and security guidelines.

Performs other duties as assigned.

PERFORMANCE STANDARDS:  

Must fully understand credit union products and services and be able to cross-sell members to use these products and services. Must fully understand the factors considered in the credit qualification process, and the appropriate steps to insure compliance with applicable regulations.  Accurately completes system input to obtain valid credit scores. Must be competent and comfortable in the sales environment.  Cooperative and positive attitude toward members, potential members and credit union staff.  Maintains professional appearance and demeanor.  Understands the importance of "first responders' role in the overall image and service satisfaction of members, and continuously works to maintain a high satisfaction standard.  Telephone experience preferred in customer service, as well as ability to communicate clearly.  

QUALIFICATION REQUIREMENTS:  

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.  The requirements listed below are representative of the knowledge, skill, and/or ability required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE: 

High school diploma or general education degree (GED); and a minimum of one year related experience and/or training; or equivalent combination of education and related experience.  Thorough knowledge of credit union's computer system for performing basic input/output tasks including Word and Excel desired.

*ONLY A FULLY COMPLETED APPLICATION WILL BE CONSIDERED*

** "SEE RESUME" ON APPLICATION WILL NOT BE CONSIDERED**

Silver State Schools Credit Union is an Equal Opportunity Employer (EOE)


Mortgage Loan Originator

40 Hour
Mon - Sat (varied)
4221 McLeod
Las Vegas, NV 89121

SUMMARY:

The primary responsibility for a Mortgage Loan Originator is to quickly define potential borrower wants and needs that conform to credit union and/or secondary market conventional and government mortgage loan underwriting guidelines while developing potential loan applications that are be originated through external referral sources for non-members, who are eligible for membership with the credit union, and generating repeat and referral mortgage loan opportunities, from closed loans, by providing timely assistance, prudent loan advice and exceptional service.

Secondarily a Mortgage Loan Originator is to quickly define potential borrower wants and needs that conform to secondary market conventional and government mortgage loan underwriting guidelines to existing members who have expressed an interest in obtaining a mortgage loan, when assigned responsibility for an internal application, and providing timely assistance, prudent loan advice and exceptional service that will lead to repeat and referral mortgage loan opportunities.

ESSENTIAL DUTIES include the following. 

Maintain a subject matter expertise of current credit union and/or secondary market conventional and government mortgage loan programs and underwriting guidelines.

Maintain a subject matter expertise of regulatory required mortgage loan disclosures and daily or intra-daily mortgage loan rates and fees.

Direct borrowers to apply online for a mortgage loan application or in the alternative input mortgage loan applications, from a face to face or telephonic conversation, into an approved online application system a timely manner. For face to face applications complete section X of the residential loan application (INFORMATION FOR GOVERNMENT MONITORING PURPOSES), when not completed by the borrower or when a borrower indicates they do not wish to furnish the information, with a visual estimation of the required information. 

For loan applications where a subject property has been indentified, obtain an initial automated underwriting analysis for a completed loan application and analyze an applicant’s ability to qualify for their loan request, what supporting documentation will be required and ascertain a reasonable estimated closing date for the loan. If it is apparent that the applicant(s) do not qualify for their loan request timely notify an assigned Loan Coordinator that the application must be denied.

Ensure that correctly completed regulatorily required initial mortgage loan disclosures are delivered to the loan applicant(s) within 3 business days of application and that the loan application file correctly shows the method of delivery and date of delivery.

Set reasonable expectation with applicants on the estimated time to complete a loan request, of required supporting documentation for the loan request to support underwriting requirements, and maintain active communication with applicant(s) throughout the processing of the loan. If it is apparent at anytime during the processing of the loan application that the applicant(s) no longer qualify for their loan request timely notify an assigned Loan Coordinator that the application must be denied.

Set reasonable expectations with interested parties (realtors, down-payment assistance programs, etc.) on the estimated time to complete a loan request and maintain active communication with interested parties throughout the processing of the loan.

Timely notate the lending technology platform of all conversations with applicant(s) and interested parties throughout the processing of a loan request.

Obtain from applicants all required supporting documentation, preferably in an electronic storable copy, review supporting documentation to ascertain its validity in meeting underwriting requirements and deliver the loan application and required supporting documentation to an assigned Mortgage Loan Coordinator within 5 business days of application.

For loan applications where a subject property has not been identified (subject property to be determined on a purchase transaction) preliminarily ascertain the applicant’s ability to qualify for a mortgage loan. If a credit report has been requested and an automated underwriting analysis has been completed maintain repeated timely contact with the applicant(s) to ensure that they are still interested in completing a loan request. When it is determined that the applicant(s) no longer wish to continue with their loan request ensure that the application is withdrawn or canceled.

Ensure compliance with all board policies, residential lending operating guidelines, and lending updates.

Contribute to the development and refinement of the credit union’s lending vision and strategy working in a team environment focused on member service and closing quality loans in a timely manner.

Other duties as assigned.

PERFORMANCE STANDARDS:

Repeatedly demonstrate the ability to originate external loan applications, on a monthly basis, to consistently close and fund twelve (12) or more external mortgage loans quarterly. Maintain and continually cultivate new external mortgage loan applicant referral sources that provide at least six (6) or more qualified external applications on a monthly basis.

QUALIFICATION REQUIREMENTS:

To perform the job successfully, an individual must be able to perform each essential duty satisfactorily.  The requirements listed above under essential duties and performance standards are representative of the knowledge, skill, and/or ability required. To perform the job successfully an individual must be able to demonstrate good organizational, time management and customer service skills, with an ability to communicate verbally and writing in a clear, concise manner.  Must be able to inspect and identify documentation errors and requires the ability to work basic mathematical formulas. 

EDUCATION and/or EXPERIENCE: 

An Associates or Bachelor degree is preferred with a minimum of three years related experience and/or training in real estate lending; or equivalent combination of education and experience in a related field.

CERTIFICATES, LICENSES, REGISTRATIONS:

Must have or obtain any license, certificates or registration as required by state or federal agencies that are presently required or may be required in the future.

*ONLY FULLY COMPLETED APPLICATIONS WILL BE CONSIDERED*

** "SEE RESUME" ON APPLICATIONS WILL NOT BE CONSIDERED**

Silver State Schools Credit Union is an Equal Opportunity Employer (EOE)


Copyright © 2015 Silver State Schools Credit Union. All rights reserved.