Role:

Oversees Real Estate Department staff in the processing, underwriting and servicing of all real estate loans. Provides coaching and development to assigned department staff.

Essential Functions & Responsibilities include but are not limited to:

• Ensures active and on-going coaching and development to assigned department staff, writes and conducts performance appraisals and identifies training needs.
• Oversees all activities related to interviewing applicants, underwriting, approving, closing and servicing real estate loans.
• Manages loan applications and files to ensure required dates are met.
• Analyzes loan data reports for any corrective action. Maintains loan accounts including delinquency control, and reporting to regulatory agencies as required; calls on delinquent members as needed. Works with attorneys concerning real estate issues.
• Performs monthly audits of closed real estate loan files for accuracy.
• Coordinates real estate loan training and education for employees, particularly with respect to new rules and regulations.
• Oversees assigned staff as it relates to real estate activities; maintains communication and coordinates activities with other departments.
• Produces accurate monthly and quarterly real estate reports.
• Ensures timely and accurate payment of all property taxes and homeowners insurance on all real estate loans held by BVSCU.
• Maintains the production of and ensures accuracy of all year-end statements such as tax and insurance statements and Form 1098.
• Maintains status of insurance on real estate loans.
• Manages vendor-risk processes and procedures.
• Coordinates with IT Department staff regarding maintenance and updates to the real estate loan origination system.
• Oversees collection department; trains and directs assigned staff. Interviews, recommends new hires, promotions, transfers and salary adjustments.
• Reviews and approves time off requests.

Position Requirements:

• Minimum three years of real estate lending experience to include two years of leadership experience.
• An associate’s degree preferred or completion of specialized real estate training preferred.
• Ability to analyze data for equitable resolutions.
• Ability to manage projects through to completion.
• Proficient with problem solving and critical thinking skills.
• Ability to work regular full time hours.
• Ability to work on-site at designated location.
• Ability to communicate with courtesy, tact, and diplomacy and model exemplary member service.
• Excellent inter-personal and analytical skills.      
• Familiarity with real estate/mortgage software applications.
• Proficiency in Microsoft Office software applications.

Ergonomic Considerations:

• Must be able to sit and/or stand for extended periods of time (6 to 7 hours per day).
• Must be able to view a computer screen, use a keyboard to enter information, and manipulate a mouse.
• Job includes some repetitive hand/wrist motions.
• Ability to operate office machinery.
• Ability to lift up to 25 pounds.

This job description is not a comprehensive list of all activities, duties, and responsibilities of the position. Such requirements may be expanded or otherwise changed at any time as indicated by the operational needs of the credit union. Employees may also be required to assist colleagues with their job responsibilities from time to time.