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2 External Mortgage Loan Originator(s) Business Intelligence Officer Controller
Data Analyst - Information Technology (IT) Data Analyst- Loan Administration Director of Loan Servicing & Loss Mitigation
Internal Audit Manager Internal Mortgage Loan Officer Loss Mitigation Manager
Member Service Rep I - McLeod Member Service Rep II - Whitney Member Service Rep II- Winterwood-30hrs
Mortgage Loan Coordinator Mortgage Origination Sales Manager

2 External Mortgage Loan Originator(s)

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)


Business Intelligence Officer

40 hours

Mon – Fri


McLeod Office
4221 McLeod Dr
Las Vegas, NV 89121

SUMMARY:

A Business Intelligence Officer has a diverse and varied role to ensure optimal lending process

fluidity, quality control and integration with credit union departments and third party service

providers. Specifically, this role primarily relates to data integrity, data administration, data

analytics/reporting and the source of such data within lending technology platforms.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following:

 Develop and demonstrate a subject matter expertise pertaining to all aspects and

components of Loan Administration to include but not limited to; technology

administration, loan review, quality control; shipping, and scanning of loan files, data

integrity, product and campaign management.

 Ensure that loan level data integrity components present in the loan operations

technology platforms and that supporting documentation is electronically archived such

that a loan level data can be transferred to the loan servicing platforms accurately, that

data conforms to all loan approval parameters, credit union or secondary investor loan

policies and operating guidelines, and that a forensic review can take place on all funded

loan files.

  • Performs data analytics and report creation utilizing Microsoft Access and/or

excel and Business Objects, Crystal Reporting or other Database management

tools for extracting and preparing reports.

 Serve as a Lending Technology/Data Administrator responsible for the following

essential duties:

  • System Administration, Database Management, Project Management,

Programming, Technology Platform Implementation, and

troubleshooting/coordinating/resolving all Information Technology Department

Ticket Requests.

  • Serve as the Lending Department Security Administrator (DSA) for Technology

Access and Administration; including enforcement of the credit union’s

Information Protection Policy, and ensuring platform access is restricted

appropriately and removed in a timely manner when an employee relationship is terminated. Develop and maintain adequate processes and procedures for accomplishing this tasking.

  • Develop and maintain subject matter expertise status of all lending technology

platforms to include, but not limited to: Symitar, Akcelerent, FICS, Mortgage

Cadence, LoansPQ, and Lending 360.

  • Maintains records, prepares reports, and composes correspondence relative to

work completed and assigned.

  • Establishes and monitors priorities, objectives, and procedures; determines

lending area objectives, targets of service, and needs resource allocation

requirements; ensuring that processes and procedures are document related to

assigned tasking.

  • Performs such other functions as assigned by the Chief Credit Officer, the

Director Lending, or the Director, Loan Servicing & Loss Mitigation; as it relates

to lending technology platform/systems, their fluidity, reporting and productivity.

 Establishes and monitors priorities, objectives, and procedures; determines lending area

objectives, targets of service, and needs resource allocation requirements.

 Perform such other functions as assigned by the Manager, Loan Administration, the Chief

Credit Officer, or other “C” level executives.

EDUCATION and/or EXPERIENCE:

Five years related experience related to data/technical administration or a Bachelor’s degree in

Accounting, Finance, Business or other educational experience that demonstrates a level of

intellect in understanding and reporting of complex interrelated data points.

*APPLICATIONS WHICH ARE NOT FULLY COMPLETED WILL NOT BE CONSIDERED

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

SILVER STATE SCHOOLS CREDIT UNION IS AN EQUAL OPPORTUNITY EMPLOYER (EOE)


Controller

40 hours

Mon – Fri


McLeod Office
4221 McLeod Dr
Las Vegas, NV 89121

SUMMARY:

Directs the development, implementation, and maintenance of accounting practices that result in providing a comprehensive accounting system.  Ensures that all accounting records, policies, and procedures are in accordance with generally accepted accounting principles.  Performs a variety of professional accounting duties including preparation of the accounting department budget, controlling the accounting records and maintaining and preparing a variety of financial reports and analyses to assist management in making prudent financial decisions.

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

Works closely with the VP Finance/CFO to manage critical financial requirements of the business related to the internal control and reporting.

Prepares all required/scheduled reports which summarize and forecast the Credit Union's business activity and financial position in areas of assets, liabilities, income, expenses, and earnings based on past, present, and expected operations, including the monthly Board report.

Compiles and analyzes financial information to prepare entries to accounts, such as general ledger accounts, documenting business transactions.

Recommends policies, establishes, modifies documents, and coordinates implementation of accounting and accounting control procedures.

Updates and/or maintains the ALM Module and the Accounting Department budget on Profitstar software.

Active role in calculating quarterly ALL.

Assists with the Accounting Department’s portion of the credit union Strategic Plan.

Advises management on desirable operational adjustments due to regulatory change, current economic issues, and related matters that may impact the financial stability and soundness of the credit union.

Participates in Budget and Forecasting activities.

Works with external and internal auditors and regulatory and other examiners to ensure the credit union responds appropriately to exceptions and other recommendations.  Assists the Supervisory Committee in performing their duties.

Manages all Corporate Bank and investment accounts and the Federal Reserve account including balancing, fund transfers, regulatory changes, and payments there from for expenses and asset purchases.

Responsible for maintenance, balancing, and processing of the ATM, POS, VISA Debit, and share draft programs.

Responsible for the administration of VISA program, ACH processing and periodic pay items.

Responsible for maintaining and processing accounts payable and ensuring that items are processed in an accurate and timely manner.

Responsible for processing and maintaining cost center (branch) accounting.

Responsible for maintaining the item processing section and ensuring both deposits and in-clearings are processed on a timely basis.

Responsible for the maintenance and accounting of the Fixed Asset system, including proper accounting of depreciation and prepaids.

Maintains record retention system.

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

SUPERVISORY RESPONSIBILITIES:

Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws.  Responsibilities include interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems.

PERFORMANCE STANDARDS:

Financial statements and all supporting information must be accurate, in balance, prepared on a timely basis, preferably within four working days of the prior month-end, and in accordance with generally accepted accounting principles and applicable regulation.  Account reconcilements must be prepared and reviewed on a timely basis.  Must be able to communicate well with subordinates and 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 and supervise employees to achieve goals in an efficient manner.  Must have a complete understanding of computer and accounting functions and be able to provide solutions to problems of the accounting 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:

A college degree in accounting or related discipline plus a minimum of five - seven years supervisory experience in a financial institution of a similar or larger size.  A CPA license and/or MBA degree is desirable plus the ability to lead and supervise others.  A strong understanding of Generally Accepted Accounting Principles, along with an ability to communicate verbally and in writing with others is essential.

*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)


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**

SILVER STATE SCHOOLS CREDIT UNION IS AN EQUAL OPPORTUNITY EMPLOYER  (EOE)


Data Analyst- Loan Administration

40 hours

Mon-Fri

McLeod Branch

4221 McLeod Dr.

Las Vegas, Nevada 89121

SUMMARY:

A Loan Administration officer has a diverse and varied role to ensure optimal lending process fluidity, quality control and integration with credit union departments and third party service providers. Specifically, this role primarily relates to data integrity, data administration, data analytics/reporting and the source of such data within lending technology platforms.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following: 

Develop and demonstrate a subject matter expertise pertaining to all aspects and components of Loan Administration to include but not limited to; technology administration, loan review, quality control; shipping, and scanning of loan files, data integrity, product and campaign management.

Ensure that loan level data integrity components present in the loan operations technology platforms and that supporting documentation is electronically archived such that a loan level data can be transferred to the loan servicing platforms accurately, that data conforms to all loan approval parameters, credit union or secondary investor loan policies and operating guidelines, and that a forensic review can take place on all funded loan files.

Performs data analytics and report creation utilizing Microsoft Access and/or excel and Business Objects, Crystal Reporting or other Database management tools for extracting and preparing reports.

Serve as a Lending Technology/Data Administrator responsible for the following essential duties:

System Administration, Database Management, Project Management, Programming, Technology Platform Implementation, and troubleshooting/coordinating/resolving all Information Technology Department Ticket Requests.

Serve as the Lending Department Security Administrator (DSA) for Technology Access and Administration; including enforcement of the credit union’s Information Protection Policy, and ensuring platform access is restricted appropriately and removed in a timely manner when an employee relationship is terminated. Develop and maintain adequate processes and procedures for accomplishing this tasking.

Develop and maintain subject matter expertise status of all lending technology platforms to include, but not limited to: Symitar, Akcelerent, FICS, Mortgage Cadence, LoansPQ, and Lending 360.

Maintains records, prepares reports, and composes correspondence relative to work completed and assigned.

Establishes and monitors priorities, objectives, and procedures; determines lending area objectives, targets of service, and needs resource allocation requirements; ensuring that processes and procedures are document related to assigned tasking.

Performs such other functions as assigned by the Chief Credit Officer, the Director Lending, or the Director, Loan Servicing & Loss Mitigation; as it relates to lending technology platform/systems, their fluidity, reporting and productivity.

Establishes and monitors priorities, objectives, and procedures; determines lending area objectives, targets of service, and needs resource allocation requirements.

Perform such other functions as assigned by the Loan Administration Manager, the Chief Credit Officer, or other “C” level executives.

PERFORMANCE STANDARDS:

Must be able to meet or exceed department productivity metric standards or other metrics established and disclosed as new department productivity metrics. Employee must 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.  Utilizes organization, time management and people skills to effectively perform taskings and communicate verbally and writing in a clear and concise manner.  Must be able to inspect and identify documentation errors, make appropriate corrections correctly utilizing mathematical formulas and calculations related to lending practices while utilizing negotiation and persuasion skills effectively when required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE:

Five years related experience related to data/technical administration or a Bachelor’s degree in Accounting, Finance, Business or other educational experience that demonstrates a level of intellect in understanding and reporting of complex inter-related data points.

*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 (EOE)


Director of Loan Servicing & Loss Mitigation

40 hours

Mon – Fri


McLeod Office
4221 McLeod Dr
Las Vegas, NV 89121

SUMMARY:

The Director, Loan Servicing & Loss Mitigation provides leadership and management oversight to the loan servicing and loss mitigation activities of the credit union; working earnestly to ensure that the credit union is proactive in avoiding loan losses and pursuing prompt receipt of all monies owed, or pledged collateral is returned, to the credit union in a timely manner. Ensures that all department activities conform to all Federal regulatory requirements, state of Nevada regulatory requirements, and credit union approved written credit union policies or operating guidelines; and develops applicable department procedures that will direct staff to correctly perform all assigned taskings in a timely and efficient manner while demonstrating exemplary service to the membership.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following:

Hires, supervises, mentors and motivates Loan Servicing & Loss Mitigation staff to perform all duties in a correct and timely manner, while ensuring that technological resources are optimized and that off-line processes are minimized or eliminated

Ensures that the Loan Servicing and Loss Mitigation staff is present, organized and focused to accomplish assigned taskings while also ensuring that department staff timely completes required credit union trainings, timely correctly completes timecard practices, and understand the credit union’s vision, mission statement and identified performance drivers that differentiates the credit union from other depository providers of consumer financial services products.

Direct the Loan Servicing & Loss Mitigation Staff to correctly board newly funded loans, enact approved or court-ordered changes to existing loans, and timely collect current and past due payments on member loans and negative checking accounts; and that any action taken on a loan is contemporaneously notated on the loan and/or member record in the credit union’s core or loan servicing platforms.

Ensure that Loan Servicing & Loss Mitigation Staff performs exemplary levels of member service on closed loans, assisting members with understanding loan terms, disbursement or reconciliation of escrow accounts (first mortgages), financial assistance programs, and effecting changes to their accounts in conformance with regulatory requirements, credit union policies, operating guidelines and procedures; and that any inter-action with a member regarding their loan is contemporaneously notated on the loan record in the credit union’s loan servicing platforms.

Works with the Manager, Loan Administration and/or the Director of Information Technology to ensure that members receive recurring loan statements, loan coupons and pertinent notices in a timely manner; interacting with the Chief Credit Officer, the Vice President of Risk, and the Marketing department to further ensure that all regulatory requirements and messaging/content is in accordance with Credit Union policies, operating guidelines and processes.

Works with the Chief Credit Officer, the Manager, Loan Administration and/or the Director of Information Technology to ensure that members’ loan terms and applied payments, or non-payment, is correctly reviewed and transmitted monthly to credit union approved credit reporting agencies, with proper coding, in a timely manner. Assists members with credit bureau reporting disputes to resolve inaccuracies.

Serves as the Document Custodian of the credit union’s loan records ensuring the security and access of the loan records, pledging of loan collateral by the credit union, and responding to Internal Audit, Regulatory Examiners or Engaged Auditors requests for documents in an electronic or paper form (if available).

Serves as a member of the credit union’s Credit Committee, presenting all pertinent information for a member loan revision or loan modification and maintains record of all Loan Servicing and Loss Mitigation Credit Committee minutes; as well as any actions or in-action taken on loan and any approved changes to the loan terms or records. Votes on Credit Committee requests for loan revisions or modifications as well as new loan requests, as available, that do not meet approved credit union policies. Independently approves warranted loan extension requests, for members to skip a required payment,, that extends the maturity of a loan as long as the member’s situation is temporary and will be rectified by the loan extension, reasonably expecting that all further payments are expected to then be made in a timely recurring manner; and that a loan extension is not granted to mask or incorrectly reflect the delinquency of credit union loans.

Assigns accounts to be worked, and maintains a system of control that indicates progress with regard to granting financial assistance, the receipt of payments on delinquent accounts (loans and overdrawn depository accounts), more stringent collections actions that need to be taken, legal processes to be initiated, and/or alternative collection methods that need to be initiated to ensure prompt repayment of credit union loans or the recovery of any pledged collateral.

For loan collateral in the process of foreclosure, or repossession, timely works with Chief Credit Officer, or the Chief Financial Officer, and as needed with approved attorneys and approved third parties to recover loan collateral. Maintains a timely recurring status reporting of foreclosure proceedings, repossessions, collateral in possession, or real estate owned (REO) properties; taking approved or directed actions to liquidate recovered loan collateral, ensuring that all actions taken are contemporaneously recorded in an electronic loan record within the credit union’s loan servicing platforms.

Manages and takes approved actions to secure and repair REO properties and recovered loan collateral in an effort to maximize collateral value and dispose/sell said properties or loan collateral in an efficient timely manner. Maintains records, the timely approval/payment of invoices and the timely receipt of sale proceeds.

Manages the monthly reporting of delinquent loans to mortgage insurance providers, to include FHA and VA insurance, non-real estate loan re-insurance providers, and the monthly removal of delinquent loans and replacement pledge of non-delinquent loans that are pledged by the credit union for corporate lines of credit. Ensures that the credit union promptly receives maximum insurance proceeds to reduce credit union loan losses as applicable.

Serves as a representative of the credit union, protecting the credit union and the membership, in required loan mediations, small claims court, bankruptcy court, or municipal, state or federal court, concerning the credit union’s loans and actions taken by the credit union as required; at the direction of the Chief Credit Officer, the Chief Executive Officer, the Vice President of Risk or the Credit Committee. Ensures mediations or court hearings are attended by competent trained department staff to present evidence in support of a claim of the credit union if unavailable.

Ensures that accounting general ledger accounts are maintained in-balance at all times and that correct reporting of interest paid by members is done throughout the year and at year-end.

Monitors and review open-end lines of credit and credit cards, based on a member’s most recent credit score and other characteristics, to reduce or cancel credit limits in conformity with current lending guidelines; ensuring prompt delivery of a correct adverse-action notice is delivered to members.

Ensures that Bankruptcy filings are processed on a timely basis, oversee the preparation of Proof of Claims, attends Bankruptcy hearings representing the credit union and making submissions to the Bankruptcy Court regarding the credit union's claims and interest in the proceedings. Ensures that court directed revisions to loan terms and the application of future payments are correctly processed.

Ensures the correctness of monthly and intra-monthly department productivity tracking is completed in a timely manner and that all month-end reports are submitted for review by the Chief Credit Officer by the 5th business day of an ensuing month.

Assists the Chief Credit Officer in the preparation of the Department Budget.

Ensures that required annual Internal Revenue Service (IRS) reporting is correctly completed and timely delivered to member borrowers, to include reduction of interest paid that is rebated to members per approved credit union programs if applicable.

Ensures the any potential loss on a credit union is recognized in a timely manner and that delinquency grading is accurate such that the credit union’s allowance for loan loss is accurately calculated on a monthly, month-end, basis by the 5th business day of an ensuing month. Recommend loans and overdrawn checking accounts to be charged off each month or intra-month if a known loss is imminent and expected.

Maintain confidentiality of all corporate and borrower matters.

Perform other duties as assigned or required. The above noted job description is not intended to describe, in detail, the multitude of tasks that may be assigned but rather to provide a general overview of the responsibilities and expectations of the position.

PERFORMANCE STANDARDS:

Maintain a professional attitude and appearance, as well as the ability to communicate effectively and persuasively, when interacting with members and staff.  Maintain delinquency, charge-off and recovery metrics within credit union approved business plan levels.  Provides guidance to department staff in correctly assessing members problem(s), and determines a logical financial plan with due regard for risk, liquidation position, and equity should it need to be realized. Maintain awareness and up-to-date knowledge of modern collection technology platforms, regulatory and industry best practices; employing same to increase department staff knowledge, productivity, efficiency and effectiveness in handling assigned taskings. Execute the timely completion of assigned duties and utilize interpersonal skills effectively in a team environment.

 QUALIFICATION REQUIREMENTS: 

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.  Utilizes organization, time management and people skills to effectively perform taskings and communicate verbally and writing in a clear and concise manner.  Must be able to inspect and identify documentation errors, make appropriate corrections correctly utilizing mathematical formulas and calculations related to lending practices while utilizing negotiation and persuasion skills effectively when required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE:

Bachelors Degree from an accredited institution of higher learning or work experience of at least 10 years of loan servicing and loss mitigation within financial services; or equivalent combination of education and experience.

*APPLICATIONS WHICH ARE NOT FULLY COMPLETED WILL NOT BE CONSIDERED

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

SILVER STATE SCHOOLS CREDIT UNION IS AN EQUAL OPPORTUNITY EMPLOYER (EOE)


Internal Audit Manager

McLeod Branch

4221 McLeod Dr.

Las Vegas, Nevada 89121

SUMMARY:

Responsible for providing internal audit coverage of all credit union activities.  Through continuous audits determines internal controls provide adequate safeguards over the credit union’s assets, credit union is operating efficiently and in compliance with laws, regulations, managerial policies and generally accepted accounting principles. 

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

Performs a risk assessment of the credit union to identify areas of the operation where and how internal audit activities should be prioritized.

Based on the risk assessment, develop and maintain a plan for auditing all credit union activities.

Continually assess risks and prioritize audit plan by review of member complaints, findings, and recommendations of outside auditors, American Share Insurance (ASI) examiners and Financial Institutions Division for the State of Nevada (FID) examiners, and changes in policies and regulations.  Solicit management for suggestions for audit and obtain Supervisory Committee approval of audit plans.

Develop and maintain audit programs for each audit area, continually evaluating the effectiveness of programs.  Audit programs should identify objectives, planned scope of coverage, and procedures to be performed. 

Conduct internal operations through use of the ACL internal audit software.

Prepare written reports which indentify the scope of the project and related findings and recommendations.

Discuss audit findings and recommendations with appropriate department Vice President and Supervisory Committee. 

Conduct special projects requested by Management or the Supervisory Committee.

Review planned changes in operating procedures, products and services and delivery channels (such as data processing conversions) for audit integrity and adequacy of internal controls.

Identify training opportunities to improve staff understanding of control procedures.

Coordinate internal audit activities with that of the CPA’s, ASI and FID examiners.

Continue professional development through training and participation in professional organizations.

Perform departmental managerial duties.  Evaluate staff performance, complete salary reviews, and make internal audit staffing decisions.

Other duties as assigned or required in connection with the general operation of the credit union.

 

SUPERVISORY RESPONSIBILITIES:

Manages employees in the Internal Audit department.  Is responsible for the overall direction, coordination, and evaluation of these employees. 

Carries out managerial responsibilities in accordance with the organization's policies and applicable laws.  Responsibilities include interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems, supporting and motivating for further development.

 PERFORMANCE STANDARDS:

Performs duties and responsibilities in accordance with the standards set forth in the Internal Audit Charter as approved by the Board of Directors.  Duties and responsibilities should be performed with thoroughness, competency, and objectivity.  A high degree of professionalism should be maintained at all times and work should be performed in a manner so as not to disrupt the ongoing Credit Union operations.  Confidentiality is of the utmost importance in this position and should be adhered to at all times.

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:

CPA or CIA designation preferred.  Bachelor’s degree in accounting, business administration or closely related field, or equivalent work experience.  A minimum of two to four years progressively responsible experience in auditing, accounting, financial institution operations or a closely related field, preferably in a financial institution. 

*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)


Internal Mortgage Loan Officer

Monday- Friday (hours vary)

McLeod Office

4221 McLeod Drive. 

Las Vegas, NV 89121

SUMMARY:

The primary responsibility for an Internal Mortgage Loan Officer is to be timely responsive for member residential mortgage loan requests, defining borrower eligibility for retained SSSCU mortgage loan portfolio products and secondary market mortgage loans eligible for sale, and referring members seeking a purchase-money mortgage loan to a designated External Mortgage Loan Originator.

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. Ensure compliance with all board policies, residential lending operating guidelines, and lending updates.
  • 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, deliver a relevant adverse action notice to applicants; once the Manager, Mortgage Operations has determined that the applicant(s) do not meet eligibility standards.
  • Ensure that correctly completed regulatorily required mortgage loan disclosures are delivered to the loan applicant(s) in a timely manner 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.
  • 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 and related third parties all required supporting documentation, preferably in an electronic storable copy optimizing the use of the credit union’s mortgage loan systems such that manual paper processing is reduced or eliminated, to ascertain and ensure its validity in meeting underwriting requirements. Review loan file items with the Manager, Mortgage Operations throughout the processing of loan and deliver completed loan files for proper approval.
  • 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.
  • 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.
  • 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.
  • Internal Mortgage Loan Originators may originate and process external mortgage loan applications, not derived from existing members, as long as it does not diminish the ability to accomplish assigned taskings.
  • Perform such other functions as assigned by the Chief Credit Officer, the Director Loan Operations, or the Mortgage Operations Manager.

PERFORMANCE STANDARDS:

Performs functions in an accurate and timely manner. Professional in appearance and attitude, the incumbent must be able to demonstrate effective interpersonal skills when interfacing with applicants, third party providers and other credit union staff. Satisfactory quality control reviews of closed loan files and meeting or exceeding published standards for timeframe from application to closing.

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:

A minimum of 3 years in financial services or a post-high school degree from an accredited institution of higher learning preferably in business, finance, economics, engineering or math.

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**

SSSCU IS AN EQUAL OPPORTUNITY EMPLOYER


Loss Mitigation Manager

40 hours

Mon – Fri


McLeod Office
4221 McLeod Dr
Las Vegas, NV 89121

SUMMARY:

The Loss Mitigation Manager provides leadership and management oversight

to the retained loan portfolio to include delinquency control & loss mitigation activities

of the credit union; ensuring timely payments on the credit union’s loans and assisting

members suffering from financial hardship in restructuring their loan obligations. The

Manager will endeavor to ensure that the credit union is proactive in avoiding loan losses

and pursuing prompt recovery of all monies owed to the credit union in a timely manner.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other

duties may be assigned.

• Supervises and mentors staff. Assigns accounts to be worked, and maintains a

system of control that indicates progress with regard to granting financial

assistance, the receipt of payments on delinquent residential real estate loans,

more stringent collections actions that need to be taken, legal processes to be

initiated, and/or alternative collection methods that need to be initiated to ensure

prompt repayment of credit union loans.

• Contacts delinquent borrowers in person, by telephone, or by mail, to encourage

prompt repayment of delinquent accounts when required.

• Ensures that all department functions conform to all state and/or national

legislative and regulatory requirements and to all approved credit union policies,

operating guidelines and procedures in a timely manner; preparing response(s) to

audit/examination findings and correcting deficiencies in a timely manner.

• Ensures that accounting general ledger accounts are maintained in-balance

at all times and that correct reporting of delinquency is done throughout the year and at

yearend.

• Develops and ensures that department workflows and the use of technology

provide the credit union with optimal efficiencies, cost reductions and the highest

level of member service.

• Initiates recovery of credit union loan collateral, through repossession, voluntary

surrender, deed in lieu of foreclosure or foreclosure, and ensures that the credit

union receives the highest rate of return when disposing of recovered loan

collateral.

•  Ensures that Bankruptcy filings are processed on a timely basis, oversee the

preparation of Proof of Claims, attends Bankruptcy hearings representing the

credit union and making submissions to the Bankruptcy Court regarding the credit

union's claims and interest in the proceedings.

• Interface with legal counsel on collections issues, appears in court when

necessary; ensures claims are filed in Small Claims Court and attends and ensures

hearings are attended by competent trained department staff to present evidence in

support of a claim of the credit union.

•  Recommend loans to be charged off each month. Recommends charge offs for

returned checks and overdrawn checking accounts on a quarterly basis.

• Implements loss prevention practices including any potential loss offsets for

collateral insurance products, eligible funds on deposit at the credit union or other

avenues to reduce losses.

•  Ensures the any potential loss on a credit union is recognized in a timely manner

and that delinquency grading/reporting is accurate, such that the credit union’s

allowance for loan loss can be accurately calculated, on a month-end

basis by the 5th business day of an ensuing month.

• Ensures the correctness of monthly and intramonthly

department productivity

tracking is completed in a timely manner and that all monthend

reports are

submitted for review by the Chief Credit Officer by the 5th business day of an

ensuing month.

• Advise members of the credit union’s financial hardship programs that provide an

alternative to foreclosure and keep members in their homes; where there is a financial

benefit for the credit union to modify the terms of a member’s loan.

•  Where a member is not interested in the credit union’s financial hardship programs,

endeavor to convince the member to provide the credit union with a deedinlieu

of

foreclosure as an alternative to foreclosure.

•  Accurately track foreclosure timelines and ensure that members are provided all

required legal notices and remedies to save their home from foreclosure.

•  Attend trustee sales where credit union collateral is being sold and ensure that the

credit union does not lose any rights with respect to the loan collateral agreement andobtains clear title to the property; if another bidder does not want the property at a

price to recover the outstanding balance of a member’s loan.

•  Investigate and manage services providers to ensure that they are properly licensed,

bonded and/or insured to perform required taskings and inspect properties on a

regular basis to ensure work has been completed in conformity with the credit union’s

scope of work guidelines and any contract for work that has been completed between

the parties.

•  Determine potential losses and prepare reports identifying potential losses to the

credit union as early as possible.

•  Ensure that requests for payment by service providers reflect actual work to be

completed/being completed or materials being provided and interface with the

executive assistant to the senior staff has the necessary information from which to

pay outstanding invoices in a timely manner.

•  Assists the Director, Loan Servicing & Loss Mitigation in the preparation of the

Department Budget.

•  Performs such other loan servicing and loss mitigation functions as assigned by

the Director, Loan Servicing & Loss Mitigation, the Chief Lending Officer or the

Chief Executive Officer.

EDUCATION and/or EXPERIENCE:

Bachelor’s Degree from an accredited institution of higher learning or work experience of

at least 10 years of loan servicing and loss mitigation within financial services; or

equivalent combination of education and experience.

*APPLICATIONS WHICH ARE NOT FULLY COMPLETED WILL NOT BE CONSIDERED

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

SILVER STATE SCHOOLS CREDIT UNION IS AN EQUAL OPPORTUNITY EMPLOYER (EOE)


Member Service Rep I - McLeod

40 Hours per week

Mon - Fri Varies 

McLeod Office 

4221 McLeod Drive 

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.

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 I:

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 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 outgoing mail and filing.

May assist in training new Member Service Representatives 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.

Perform other duties as assigned.

EDUCATION and/or EXPERIENCE:

High school diploma or general education degree (GED); and a minimum of 6 months 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.

**Bilingual Preferred**

 

*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 - Whitney

40 HRS PER WEEK

Mon- Sat (various)

Whitney Branch

683 N. Stephanie St.

Henderson, NV 89014

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- Winterwood-30hrs

30 hours (Mon-Fri Varied)

Winterwood Branch

2256 S. Nellis Blvd.

Las Vegas, Nevada 89104

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 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)


Mortgage Loan Coordinator

40 hours per week

Monday-Friday, (Hours Vary)

McLeod Office

4221 McLeod Drive

Las Vegas NV    89121

 

 

SUMMARY:

A Mortgage Loan Coordinator primarily verifies and coordinates borrower(s) supplied loan file documentation and the loan application detail in conformity with secondary market investor and/or credit union guidelines in addition 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: 

Contributes 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.

Develops and demonstrates a subject matter expertise pertaining to mortgage lending regulations, secondary market investor guidelines, credit union lending policies, operating guidelines, and operating procedures.

Communicates with mortgage loan originators who are taking loan applications and with loan applicants themselves 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 as well as providing an optimal level of member service. Note: this position does not and cannot discuss with a borrower their specific of mortgage loan level attributes or loan qualifying parameters, but does speak generally about loan programs and rates with members without addressing any borrower ability to qualify for a particular loan program or rate; without being properly licensed to discuss such items on loans secured by residential properties intended to be used as a dwelling unit.

Communicates with realtors, other loan application referral sources or interested third-parties to a particular transaction only as to whether a borrower is approved or qualifies or what might assist in qualifying without disclosing confidential borrower information to any third-party involved in the loan transaction; or in the alternative that a borrower is not qualified.

Verifies 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 pertaining to the automated or manual underwriting status and 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.

Ensures 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.

 Prepares and deliver any required loan disclosures to a borrower(s) as required by applicable regulation in a timely manner.

Divulges 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-submits 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.

Prepares and delivers adverse action notices on loan files that are denied, cancelled and withdrawn in a timely manner.

Prepares appropriate loan documents on approved loans for borrower(s) signature.

Reviews executed loan documents on closed loans to ensure that they were completed correctly and if not have the documents re-executed in a timely manner. Notify the Secondary Operations group to fund properly completed approved loans in a timely manner and ensure that 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 following the funding of the loan.

Ensures that all executed closing documents are archived electronically within the credit union’s lending technology platform.

Delivers closed/funded loan files to the credit union’s Secondary Operations group in paper or electronic form; ensuring all applicable information that is required is being delivered in a timely basis.

Performs such other functions as assigned by the Chief Lending Officer, the Director Loan Operations, or the Manager, Loan Operations & Underwriting.

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.  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.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE:

High School diploma and work experience of at least 3 years working in financial services or a 2-year college degree and 1 year of work experience in financial services.                                                                                                                                                                                                      

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 foreign language capability to accomplish the same skills is preferred.

An individual must be able to demonstrate an ability to develop and write routine reports and correspondence effectively in English. A foreign language capability to accomplish the same skills is preferred.

An individual holding this position must be able to demonstrate an ability to communicate in the English language effectively in public, to credit union management, the credit union’s board of directors, the credit union’s employee 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:

No requirements.

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.

PHYSICAL DEMANDS:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to talk or hear.  The employee frequently is required to sit, use hands, fingers, handle or feel objects, tools or controls, reach with hands and/or arms.  The employee is occasionally required to stand.  The employee must occasionally lift and/or move up to 25 pounds. 

Specific vision requirements of this job include close and distance vision and the ability to adjust focus.

WORK ENVIRONMENT:

While performing the duties of this job, the employee works indoors in a professional office environment.

The noise level in the work environment is usually moderate.

MENTAL DEMANDS:

The mental characteristics necessary to competently perform this job include the ability to multi-task, the frequent need to write, and the continuous need to be attentive to taskings to be performed along with productivity goals within the department.  In addition, an individual holding this position requires the ability to concentrate and demonstrate an attention to detail skill to be successful in performing the job duties; the frequent need to use initiative and patience, and the continuous need to be resourceful in resolving issues.

 

 

*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)


Mortgage Origination Sales Manager

40 hours

Mon – Fri


McLeod Office
4221 McLeod Dr
Las Vegas, NV 89121

 SUMMARY:

The Manager Mortgage Origination Sales (MOS)’s primary responsibility is to ensure that the credit union or its wholly owned mortgage company and our mortgage loan originators are diligently efforting to produce quality new mortgage loan applications on a continual basis from external mortgage loan application referral sources; such as realtors, builders, down payment assistance programs, financial planners, tax accountants or other professionals who have influence over consumers looking for a home loan.

Secondary responsibilities are to ensure that existing credit union members, who are looking for a home loan purchase, are provided timely service and that mortgage loan originators are subject matter experts regarding mortgage loan programs. The Manager Mortgage Origination Sales must ensure that the credit union or its wholly owned mortgage company’s mortgage loan origination platform is optimized for mortgage loan compliance, ease for potential borrowers to navigate, and its ability to allow mortgage loan originators to direct potential borrowers online to complete an application; so that a mortgage loan originator can maximize their ability to efficiently take applications, deliver required disclosures and increase loan application volumes.

 

 

ESSENTIAL DUTIES include the following. 

Locating, hiring, training, and supervising the external mortgage loan origination team to meet or exceed required taskings to meet or exceed corporate goals related to repeat and referral loan applications from all sources.

Maintain a productive team work environment, continually mentoring and developing direct reports to be agile, resourceful and committed to meeting and exceeding personal and corporate goals.

Ensure that you and our Mortgage Loan Originators understand and are meeting and exceeding the responsibilities within their job description, generating and maintaining productive repeat external referral sources, taking quality mortgage loan applications, setting proper expectations with potential borrowers and applicants, and providing exemplary member service.

Ensure that you and our Mortgage Loan Originators maintain a subject matter expertise of current credit union/mortgage company and/or secondary market conventional/government mortgage loan programs, underwriting guidelines, and the credit union/mortgage company’s mortgage lending technology platforms.

Review and ensure that all originated mortgage loans, with yield spread pricing, meet applicable underwriting guidelines and that required disclosures are correct prior to committing a loan for sale.

Ensure that you and our Mortgage Loan Originators maintain a subject matter expertise of regulatory required mortgage loan disclosures and daily or intra-daily mortgage loan rates and fees. 

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

Work with the Manager, Mortgage Operations such that Mortgage Loan Originators are actually originating loans, completely completing application details in the mortgage loan technology platform, regularly meeting with the mortgage loan coordinators and are not coordinating or processing loans, but are providing the mortgage operations team with required loan-level items.

Work with the Manager, Mortgage Operations such that Mortgage Loan Originators are correctly pricing, committing, and rate locking mortgage loans; and timely extending rate locks prior to expiration; understanding ability to repay requirements and that the credit union/mortgage company must provide full representations and warrants that all funded application meet or exceed secondary market requirements outside of just a Desktop Underwriter (DU) approval and not repurchase sold loans that do not meet requirements.

Work with the Manager, Loan Administration such that Mortgage Loan Originators are correctly utilizing the lending software related to the collection and retention of loan application data, assigned lending software task completion, and correctly meet required disclosure on home loan applications.

Maintain, as required, personal mortgage loan productive external referral sources to ensure that the continual department monthly and quarterly production expectations are met if the external mortgage loan originators cannot.

Track and report weekly on the business development activities of the external mortgage loan officers to ensure that new application goals are met or exceeded.

Active personal involvement with state and national mortgage trade association activities representing the credit union/mortgage company in a public environment with the ability to expertly discuss mortgage lending in both an individual or group forum.

Other duties as assigned.

 PERFORMANCE STANDARDS:

Must be able to meet or exceed department productivity metric standards or other metrics established and disclosed as new department productivity metrics. Employee must 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.

 Current Productivity Metrics:

Mortgage Loan Originators

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.

Manager, Mortgage Origination Sales

Responsibly handle employee mortgage loan requests in a timely manner and from time to time to externally generate personal mortgage loan applications from referral sources so that you maintain and awareness of your staff’s responsibilities and use/optimization of the credit union’s mortgage technology platforms.

Develop, implement and maintain an active sales culture with the external mortgage loan originators that includes group and individual sales plans with measured deliverables including sales events, Realtor continuing education classes and developing and maintaining consistent repeat referral sources for the generation of home loan applications.

Daily (weekday) corporate office schedule Monday through Friday of at least six (6) productive hours in the office, related to assigned taskings, unless actively participating in a group business development activity with the approval of the Director, Lending.

QUALIFICATION REQUIREMENTS:

 Personally maintain and hold a valid National Mortgage Licensing System (NMLS) Origination Licensing.

Personally maintain a network of a small number of external referral sources to generate new mortgage loan applications ongoing.

To perform the job successfully, an individual must be able to perform each essential duty satisfactorily.  Utilizes organization, time management and people skills to effectively perform taskings and communicate verbally and writing in a clear and concise manner.  Must be able to inspect and identify documentation errors, make appropriate corrections correctly utilizing mathematical formulas and calculations related to lending practices while utilizing negotiation and persuasion skills effectively when required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

 EDUCATION and/or EXPERIENCE:

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

*APPLICATIONS WHICH ARE NOT FULLY COMPLETED WILL NOT BE CONSIDERED

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

SILVER STATE SCHOOLS CREDIT UNION IS AN EQUAL OPPORTUNITY EMPLOYER (EOE)


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