Job description

Job Details Job Location Mortgage and Business Services Center - El Paso, TX Description Our Company At Raiz FCU, we share a passion for knowledge and a pursuit of growth. Grounded in our El Paso heritage as previously Teachers Federal Credit Union, since 1936 we are growing to help our community move into the future. We are inspired people, invested in you. At Raiz, we guide our members to focus on what could be and help them get there. This new path inspires us to look ahead and the lead the way with passion. Job Overview This position reports to Vice President of Real Estate and Business Services. A high value position that straddles the Mortgage unit and Business Services unit supporting both teams in system administration and business analysis. Supports all reporting and analytics requested related to the Credit Union's mortgage lending programs and commercial lending and business deposit products. Facilitation of all internal and external Audits. Documents and maintains knowledge of mortgage and business workflow and processes-suggestions. Develops tools to enhance and improve lending processes and deposit account relationship offerings. Lead on business unit third party vendor management including activities like contract review, relationship oversight and vendor due diligence. This individual will be an empowering mentor that will be: • A trusted expert • A natural communicator • A champion for our members and the community • A guide through the moments that matter the most to our members Position Details: Onsite (Hourly) 6610 Continental Dr. El Paso, Tx 79925 Monday-Friday, Some Saturdays Pay Range: $27.21-$40.81 Qualifications Skills and Experience • Bachelor's degree in relevant or related field. Master's desirable. • Minimum of 7-10 years of progressive Commercial or mortgage lending experience working • Good understanding of financial industry concepts, related laws, and regulations. • Excellent communication skills and avid listener, strong business writing is a must. • Quick to adapt to fast paced environment. • High integrity, detail oriented, and ability to evaluate risk. • Proficient in Microsoft Office, reporting tools and web-based applications. Role Description and Essential Duties • Administrator for all department systems and also acts as System Administrator for Business Units Point of Sale System, Loan Originations Systems, Regulatory Reporting systems, and other production lending and deposits systems. • Responsible for mortgage and business loan file maintenance. Expected to verify loan documents and files are complete and accurate. • Transfers mortgage loan file to Sub-Servicer and/ or Mortgage Servicing when required. Maintains mortgage loan file and storage to include holding funds and processing advances (construction, repairs and/ or renovations). • Assisting to ensure compliance with Regulation C- the accurate and timely submission of the Loan Application Register (LAR) to the regulators and assisting to ensure loan quality, identifying material defects, and compliance inadequacies. • Continuously examining administrative duties to include compiling reports and document for management, compliance department, internal departments and external auditors. • Facilitates internal and external department audit requests for loan data and documents as needed for business and mortgage departments. • Monitor loan approvals and process loan wire transfers. • Creates and maintains loan templates for all real estate and business loan products. • Daily communication and input of pricing on mortgage loan rates. • Supports all reporting and analytics requested related to the Credit Union's mortgage lending programs and commercial products. • Produces monthly Mortgage Funding Report, Business Commitment Report, Tickler Report, Delinquency Reports, Call Report and Commercial Lending Dashboard Reports as well as any other reports required by management. • Manage data entry, acquisition, equipment, and phone updates. • Assist in administrative functions and provide administrative support to department management. • Back- up to loan processor and closer as well as to business loan specialist. • Maintains working knowledge of mortgage and business workflow and processes-suggests and develops tools to enhance lending processes. • Monitor department processes, contract and vendor due diligence. • Assumes Quality Assurance role in third party loan file submissions to Mortgage Quality services for pre-funding and post-closing. • Analyze organizational structures, strategic plans, Long and short-term action plans, and makes recommendations for change where applicable. • Analyze and reconcile end-of-month loan reports for the department. • Compile closing loan referrals for internal mortgage incentive program • Complies with all bank Secrecy Act (BSA) rules and regulations, in addition to Customer Identification Program (CIP). Attends required annual BSA training and required compliance training.

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