Stock Loan Clerk jobs in Benton Harbor, MI

This is a hybrid role (3 days per week in office) and can be based at our Team United Headquarters in St. Joseph, MI or one of our branches in Arkansas, Indiana, Michigan, North Carolina, or Nevada.

General Summary (What is done and why)

The Mortgage Loan Processor is responsible for creating and maintaining effective relationships with the Mortgage Advisors. The Mortgage Loan Processor will focus his/her time on effectively managing the potential members mortgage request in a timely manner and ensuring all required information is received and retained in accordance with UFCU procedures. The Mortgage Loan Processor is also responsible for being an additional point of contact for the member throughout the process as requested by management, while meeting or exceeding the service level agreements.

Essential Functions, in Priority Order (Majority of duties, but not meant to be all inclusive or prevent other duties from being assigned as necessary)

• Prepare and review all loan documents and supporting documents for completeness, accuracy and regulatory compliance. Time: 25%
• Ordering and gathering all necessary documents from outside sources to complete the loan file. Resolves any issues determined by underwriting and submit loan file for final approval. Time: 25%
• Maintain effective levels of communication with the Mortgage Advisors and the Members as directed by management. Time: 20%
• Remain current on regulatory updates and completes mandatory training in relation to this as directed by management. Time: 10%
• Evaluate departmental processes and procedures and recommend improvements. Time: 10%
• Provide support to other areas as requested by management. Time: 5%
• Maintain a working knowledge of all Credit Union products and services. Time: 5%

Education (Minimum education required to perform the duties of this position)

• High school diploma or equivalent required.

Experience (Minimum experience required to perform the duties of this position)

In addition to education requirement:

• Minimum of one year experience in financial industry or real estate required.

Knowledge, Skills and Abilities (Minimum technical and communication skill levels and licenses/certificates normally required to perform the duties of this position)

• Understanding of mortgage products.
• Knowledge of mortgage product requirements, procedures, and underwriting criteria.
• Computer literacy
• Detail oriented.
• Positive attitude.
• Excellent communication skills.

Required Competencies

• Problem Solving
• Dealing with Ambiguity
• Time Management
• Demonstrates Courage
• Drive for Results
• Interpersonal Savvy
• Customer Focus
• Integrity and Trust
• Self-Development
• Business Acumen

Mental Requirements

• Ability to work under pressure.
• Proven problem-solving abilities.
• Ability to analyze and evaluate information.
• Ability to interpret policies, guidelines and regulations.
• Ability to concentrate in a multi-task environment.

Tools and Equipment Used

• All available general office equipment as needed.
• All available computer software and hardware as needed.

WORKING Relationships/Contacts (Positions with which incumbent has frequent contact)

• Daily, personal/written/phone contact with Credit Union staff.
• Daily, personal/written/phone contact with Credit Union managers.
• Daily, personal/written/phone contact with Credit Union members.

Physical Demands (Physical effort generally associated with this position)

Work involves standing and walking for brief periods of time, and lifting large file boxes occasionally, but most work is done from a seated position. Must have mobility to move throughout the Credit Union as necessary. There is potential for eyestrain from reading the computer screen. Deadlines, workloads and pressure to achieve goals may cause increased stress levels.

Working Conditions (Typical working conditions associated with this type of work and environmental hazards, if any, that may be encountered in performing the duties of this position)

Internal - Work is normally performed in climate controlled office environment, where exposure to conditions of extreme heat/cold, poor ventilation, fumes and gases is very limited. Noise level is moderate and includes sounds of normal office equipment (computers, telephones, etc). No known environmental hazards are encountered in normal performance of duties. Length of day is unpredictable; long hours may be required to accommodate deadlines or special meetings.

External - Some travel may be required; however, information on environmental conditions is not available.

United Federal Credit Union has served its Members since 1949 by helping them to build a sound financial future. United is based in St. Joseph, MI, with additional branches in Arkansas, Indiana, Michigan, Nevada, North Carolina, Pennsylvania and Ohio. United, as a not-for-profit company, takes its commitment to both Members and the community to heart by improving lives and bettering local neighborhoods through financial tools and resources. The employees who work at United, known as Team United, are rooted in their communities as friends, family, volunteers, and mentors. For more information visit www.UnitedFCU.com.

EEO/AA Employer/VET/Disabled