Job Listings

Reports To: Loan Setup Supervisor   Primary Functions: Loan Setup functions associated with the back-end processing and underwriting of a residential mortgage loan.   Duties and Responsibilities:   - Verify documentation supplied with the mortgage application compared to the required checklist. Identify and communicate to the MLO or Processor if documentation is incomplete or missing. - Accurately place initial orders associated with the loan. This will include and is not limited to use of internal and external vendors to place orders for the loan in process. Required to open and maintain accounts with Veterans Affairs and Federal Housing Administration. - Use Symitar to open LIP Accounts, verify balances in LIP accounts and pull bank statements associated with the loan in process. - Respond to requests from internal customers to follow-up on orders placed and provided status if needed during the loan process. Maintain records of all orders placed in a central location to provide redundancies within the team. - Order items timely and accurately to ensure member turn times are met. Timeframes will be set and monitored by the Loan Setup Supervisor. - Participate in seminars and other training to maintain required knowledge and skill development. Complete all training within specified deadlines. - Perform other duties as assigned.

Reports To: Loan Setup Supervisor   Primary Functions: Loan Setup functions associated with the back-end processing and underwriting of a residential mortgage loan.   Duties and Responsibilities:   - Verify documentation supplied with the mortgage application compared to the required checklist. Identify and communicate to the MLO or Processor if documentation is incomplete or missing. - Accurately place initial orders associated with the loan. This will include and is not limited to use of internal and external vendors to place orders for the loan in process. Required to open and maintain accounts with Veterans Affairs and Federal Housing Administration. - Use Symitar to open LIP Accounts, verify balances in LIP accounts and pull bank statements associated with the loan in process. - Respond to requests from internal customers to follow-up on orders placed and provided status if needed during the loan process. Maintain records of all orders placed in a central location to provide redundancies within the team. - Order items timely and accurately to ensure member turn times are met. Timeframes will be set and monitored by the Loan Setup Supervisor. - Participate in seminars and other training to maintain required knowledge and skill development. Complete all training within specified deadlines. - Perform other duties as assigned.

Reports To: Loan Setup Supervisor   Primary Functions: Loan Setup functions associated with the back-end processing and underwriting of a residential mortgage loan.   Duties and Responsibilities:   - Verify documentation supplied with the mortgage application compared to the required checklist. Identify and communicate to the MLO or Processor if documentation is incomplete or missing. - Accurately place initial orders associated with the loan. This will include and is not limited to use of internal and external vendors to place orders for the loan in process. Required to open and maintain accounts with Veterans Affairs and Federal Housing Administration. - Use Symitar to open LIP Accounts, verify balances in LIP accounts and pull bank statements associated with the loan in process. - Respond to requests from internal customers to follow-up on orders placed and provided status if needed during the loan process. Maintain records of all orders placed in a central location to provide redundancies within the team. - Order items timely and accurately to ensure member turn times are met. Timeframes will be set and monitored by the Loan Setup Supervisor. - Participate in seminars and other training to maintain required knowledge and skill development. Complete all training within specified deadlines. - Perform other duties as assigned.

Reports To: Mortgage Production Manager   Functions Supervised: Processors and Senior Processors Primary Functions: Responsible for timely and accurate mortgage loan processing and daily supervision of regional mortgage processing staff.   Duties and Responsibilities: - Assume leadership responsibilities to include: provide feedback for performance reviews, interview processor candidates, promote team atmosphere with other departments, reinforce service and quality goals and - Perform loan processing tasks as described in Senior Processor job description for executive level employee loans, overflow and specific niche programs. - Ensure employees have prepared files accurately and timely for transfer to the Underwriting and/or Closing department. - Conduct periodic audits of random samples of loans in process to ensure completeness, quality and accuracy. - Communicate and coordinate with originating, underwriting & closing staff to facilitate excellent member service. - Review current training material, practices and procedures and provide recommendations to senior management regarding changes that may enhance member service, or improve efficiency within the department. - Coach, lead and motivate employees using quality control trending reports as a teaching tool. - Respond to Quality Control and Loan Delivery requests within specified time lines as directed by each department. - Assist to increase market share by decreasing turn times and increasing member service. - Participate in seminars and other training to maintain required knowledge and skill development. Complete all required training within specified deadlines. - Perform other duties as assigned.

Reports To: Sales Support Manager   Primary Functions: Generate initial loan disclosures that are compliant with Alaska USA polices and procedures. Generate re-disclosures as applicable for loan changes through the loan process. Coordinate with Production and Compliance to determine changes in circumstances and fee variances.   Duties and Responsibilities: - Prepare initial disclosures within required regulatory timeline. Verify loan fees for accuracy to ensure compliance with TRID, RESPA and ECOA. - Prepare re-disclosures within required regulatory timeline. Validate the change in circumstance and proper documentation to ensure compliance with TRID, RESPA and ECOA. - Maintain a high level of member service and internal service with timely responses and accurate information, maintaining thorough knowledge of TRID regulatory requirements. - Responsible for understanding and utilizing matrixes based on state and county to ensure accurate fee disclosure per geographic location. - Review general information on the loan to determine loan product and fee validation. Thorough knowledge of FHA, VA, USDA, HUD 184 and Conventional PMI required to identify appropriate calculations and data discrepancies. - Ensure loans requiring mortgage insurance are appropriate disclosed. - Use Symitar to determine membership status. Include membership paperwork in initial disclosure package if applicable. - Adhere to department turn-times and minimum file expectations. - Participate in seminars and other training to maintain required knowledge and skill development. Complete all training within specified deadlines. - Assist in training other Disclosure Specialists. - Perform other duties as assigned.

Reports To: Sales Support Manager   Primary Functions: Generate initial loan disclosures that are compliant with Alaska USA polices and procedures. Generate re-disclosures as applicable for loan changes through the loan process. Coordinate with Production and Compliance to determine changes in circumstances and fee variances.   Duties and Responsibilities: - Prepare initial disclosures within required regulatory timeline. Verify loan fees for accuracy to ensure compliance with TRID, RESPA and ECOA. - Prepare re-disclosures within required regulatory timeline. Validate the change in circumstance and proper documentation to ensure compliance with TRID, RESPA and ECOA. - Maintain a high level of member service and internal service with timely responses and accurate information, maintaining thorough knowledge of TRID regulatory requirements. - Responsible for understanding and utilizing matrixes based on state and county to ensure accurate fee disclosure per geographic location. - Review general information on the loan to determine loan product and fee validation. Thorough knowledge of FHA, VA, USDA, HUD 184 and Conventional PMI required to identify appropriate calculations and data discrepancies. - Ensure loans requiring mortgage insurance are appropriate disclosed. - Use Symitar to determine membership status. Include membership paperwork in initial disclosure package if applicable. - Adhere to department turn-times and minimum file expectations. - Participate in seminars and other training to maintain required knowledge and skill development. Complete all training within specified deadlines. - Assist in training other Disclosure Specialists. - Perform other duties as assigned.

Reports to: Assistant Vice President / Senior Loan Originator   Functions Supervised: None   Primary Functions: Originate mortgage loans and promote related programs within the real estate profession and through personal networks.   Duties and Responsibilities:   - Completes application including data input and gathers supporting documentation. - Inputs application data into ELC Loan Origination Software (LOS). - Reviews and completes regulatory disclosures with applicants. - Quotes interest rates and secures pricing through the Secondary Marketing Department once licensed. - Utilizes automated underwriting systems (AUS) to obtain credit recommendations. - Collects required application fees. - Communicates with customers, both internal and external, regarding the status of the loan and relays information to all interested parties. - Communications with all parties in a professional and courteous manner. - Manages their pipeline of loans to verify accuracy of the current loan status. - Conducts weekly pipeline reviews with their processor (processor pipeline meetings to be conducted with the SMLO). - Knows and abides by AUMC Mortgage Policies, Procedures, and required job related training. - Conducts mortgage marketing activity including the following: Active marketing of a contact database, conducts branch sales activity, conducts external sales calls, develops and maintains a social media presence, and creates a business plan. - Required participation in AUMC Mortgage and industry events. - Represents the credit union with the highest standards of professionalism. - Obeys all applicable federal laws, rules, and regulations.

Reports To: Varies by location   Primary Functions: Answering the telephone and managing the switchboard. Greeting and escorting clients and visitors to the proper party. Maintaining the professional image of the Credit Union to callers and visitors. Assist the AVP in administrative support and marketing activities for the mortgage office.   Duties and Responsibilities: - Act as receptionist for the company; handle incoming calls and/or transfer of calls in a professional and courteous manner. - Assist and direct clients to appropriate individuals, and schedule and coordinate appointments as required. - Respond to inquiries and member questions and direct to appropriate personnel as needed. - Photocopy and collect documentation from members as directed. - Receive and distribute mail and faxes. - Catalog, order, and inventory supplies, materials and forms. - Participate in seminars and other training as directed to maintain knowledge and skill development. - Maintain skill set in usage and understanding of such applications as: MorStart, Symitar, Microsoft Office, Word, Excel and any other applications as needed. - Train relief operators when necessary. - Assist with various administrative duties as assigned.

Reports To: Varies by Location   Primary Functions: Close, review, and disburse conventional, FHA, VA, and RD mortgage loans, as well as specialty program mortgage loans (such as HUD184, FHA203k, and State/Community bond programs).   Duties and Responsibilities: - Clear the preliminary title report of any item that will prevent attaining the appropriate lien position. - Review all closing documentation to ensure that all required documents and information are present, and that the information contained in the documentation complied with AKUSA, regulatory, investor, and guarantor requirements. - Compile, input, and confirm all monetary information necessary to properly submit mortgage loans to the escrow agency for closing. - Prepare all loan documents for appropriate signatures. - Coordinate with selected escrow and/or title company and forward necessary document for closing. - Take any signatures necessary for in-house real estate transactions, including assumptions and liability releases. - Complete and correct loan files as directed by supervisor. Coordinate with Loan Delivery to make certain corrections are obtained timely, to meet investor requirements. - Assist other closers as necessary as directed by supervisor. - Communicate and coordinate with originating and underwriting staff to facilitate excellent member service. - Perform other duties as assigned.

Reports To: Varies by Location   Primary Functions: Close, review, and disburse conventional, FHA, VA, and RD mortgage loans, as well as specialty program mortgage loans (such as HUD184, FHA203k, and State/Community bond programs).   Duties and Responsibilities: - Clear the preliminary title report of any item that will prevent attaining the appropriate lien position. - Review all closing documentation to ensure that all required documents and information are present, and that the information contained in the documentation complied with AKUSA, regulatory, investor, and guarantor requirements. - Compile, input, and confirm all monetary information necessary to properly submit mortgage loans to the escrow agency for closing. - Prepare all loan documents for appropriate signatures. - Coordinate with selected escrow and/or title company and forward necessary document for closing. - Take any signatures necessary for in-house real estate transactions, including assumptions and liability releases. - Complete and correct loan files as directed by supervisor. Coordinate with Loan Delivery to make certain corrections are obtained timely, to meet investor requirements. - Assist other closers as necessary as directed by supervisor. - Communicate and coordinate with originating and underwriting staff to facilitate excellent member service. - Perform other duties as assigned.

Reports To: Varies by Location   Primary Functions: Close, review, and disburse conventional, FHA, VA, and RD mortgage loans, as well as specialty program mortgage loans (such as HUD184, FHA203k, and State/Community bond programs).   Duties and Responsibilities: - Clear the preliminary title report of any item that will prevent attaining the appropriate lien position. - Review all closing documentation to ensure that all required documents and information are present, and that the information contained in the documentation complied with AKUSA, regulatory, investor, and guarantor requirements. - Compile, input, and confirm all monetary information necessary to properly submit mortgage loans to the escrow agency for closing. - Prepare all loan documents for appropriate signatures. - Coordinate with selected escrow and/or title company and forward necessary document for closing. - Take any signatures necessary for in-house real estate transactions, including assumptions and liability releases. - Complete and correct loan files as directed by supervisor. Coordinate with Loan Delivery to make certain corrections are obtained timely, to meet investor requirements. - Assist other closers as necessary as directed by supervisor. - Communicate and coordinate with originating and underwriting staff to facilitate excellent member service. - Perform other duties as assigned.

Reports To: Varies by location   Primary Functions: Originate mortgage loans and promote related programs within the real estate profession and through personal networks.   Duties and Responsibilities: - Market mortgage loan programs to Retail branch partners, the real estate sales industry and to personal contacts. - Develop and maintain loan referral relationships with professionals in real estate, accounting, legal, financial planning fields, and Retail branch partners. - Interview buyer/applicants and originate investor mortgage loans. Accept applications and input them to the origination system, provide required estimates and disclosures, and gather required documentation and fees to process mortgage loans. - Ensure all loans are originated, disclosed and/or re-directed accurately and timely within all established regulatory compliance requirements and timeframes. - Ensure accurate processing is completed in a timely manner and prepare for submission to underwriting. - If the loan is approved, take final steps to ensure a smooth closing. If the loan is declined, verbally advise the borrower and issue applicable refunds. Return any documents not pertaining to credit. - Conduct sales presentations for Retail branch partners and Realtors as necessary to enhance business relations. - Attend Retail branch meetings regularly and make in person visits weekly at the main source for Mortgage referrals. - Provide on-going coaching and training to retail partners as a way to gain quality mortgage referrals. - Participate in quarterly branch lobby days in conjunction with Retail branch partners. - Participate in community events as directed to further enhance and grow business and market share. - Perform other duties as assigned.

Reports To: Varies by location   Primary Functions: Answering the telephone and managing the switchboard. Greeting and escorting clients and visitors to the proper party. Maintaining the professional image of the Credit Union to callers and visitors. Assist the AVP in administrative support and marketing activities for the mortgage office.   Duties and Responsibilities: - Act as receptionist for the company; handle incoming calls and/or transfer of calls in a professional and courteous manner. - Assist and direct clients to appropriate individuals, and schedule and coordinate appointments as required. - Respond to inquiries and member questions and direct to appropriate personnel as needed. - Photocopy and collect documentation from members as directed. - Receive and distribute mail and faxes. - Catalog, order, and inventory supplies, materials and forms. - Participate in seminars and other training as directed to maintain knowledge and skill development. - Maintain skill set in usage and understanding of such applications as: MorStart, Symitar, Microsoft Office, Word, Excel and any other applications as needed. - Train relief operators when necessary. - Assist with various administrative duties as assigned.

Reports To: Varies by location   Primary Functions: Answering the telephone and managing the switchboard. Greeting and escorting clients and visitors to the proper party. Maintaining the professional image of the Credit Union to callers and visitors. Assist the AVP in administrative support and marketing activities for the mortgage office.   Duties and Responsibilities: - Act as receptionist for the company; handle incoming calls and/or transfer of calls in a professional and courteous manner. - Assist and direct clients to appropriate individuals, and schedule and coordinate appointments as required. - Respond to inquiries and member questions and direct to appropriate personnel as needed. - Photocopy and collect documentation from members as directed. - Receive and distribute mail and faxes. - Catalog, order, and inventory supplies, materials and forms. - Participate in seminars and other training as directed to maintain knowledge and skill development. - Maintain skill set in usage and understanding of such applications as: MorStart, Symitar, Microsoft Office, Word, Excel and any other applications as needed. - Train relief operators when necessary. - Assist with various administrative duties as assigned.

Reports To: Varies by location   Primary Functions: Provide assistance to originator in the origination and processing of mortgage loans.   Duties and Responsibilities: - Accept telephone calls for the originator, coordinate appointments, respond to inquiries, and provide updated loan status to real estate agents and borrowers. - Input the loan application, print out applicable origination documentation and required disclosures, obtain borrowers' signatures as required and review documentation for accuracy and completeness. - Photocopy documentation supplied by the borrower; income tax returns, paycheck stubs, bank statements, etc. - Set up mortgage application files and request verification of all information received in the mortgage loan application via letters to employers, banks, creditors or by alternative documentation acceptable to the secondary market. Perform necessary follow up order credit reports, appraisals, and prelims as needed in files. - Provide support to originator by maintaining ongoing communication with client base and real estate agents. Perform tasks directly or indirectly related to marketing and advertising. - Maintain a basic knowledge of computer programs; i.e., Mortgage Ware, Microsoft Office, Desktop Underwriter, particularly Word, Excel, and Access, Microsoft Publisher, and new software as it becomes available or needed. - Arrange for the pick up and delivery of documents, brochures, loan packages, and other miscellaneous items as needed. - Perform other duties as assigned.

Reports To: Varies by location   Primary Functions: Provide assistance to originator in the origination and processing of mortgage loans.   Duties and Responsibilities: - Accept telephone calls for the originator, coordinate appointments, respond to inquiries, and provide updated loan status to real estate agents and borrowers. - Input the loan application, print out applicable origination documentation and required disclosures, obtain borrowers' signatures as required and review documentation for accuracy and completeness. - Photocopy documentation supplied by the borrower; income tax returns, paycheck stubs, bank statements, etc. - Set up mortgage application files and request verification of all information received in the mortgage loan application via letters to employers, banks, creditors or by alternative documentation acceptable to the secondary market. Perform necessary follow up order credit reports, appraisals, and prelims as needed in files. - Provide support to originator by maintaining ongoing communication with client base and real estate agents. Perform tasks directly or indirectly related to marketing and advertising. - Maintain a basic knowledge of computer programs; i.e., Mortgage Ware, Microsoft Office, Desktop Underwriter, particularly Word, Excel, and Access, Microsoft Publisher, and new software as it becomes available or needed. - Arrange for the pick up and delivery of documents, brochures, loan packages, and other miscellaneous items as needed. - Perform other duties as assigned.

Reports To: Varies by location   Primary Functions: Originate mortgage loans and promote related programs within the real estate profession and through personal networks.   Duties and Responsibilities: - Market mortgage loan programs to the real estate sales industry and to personal contacts. - Develop and maintain loan referral relationships with professionals in real estate, accounting, legal and financial planning fields. - Interview buyer/applicants and originate investor mortgage loans. Accept applications and input them to the origination system, provide required estimates and disclosures, and gather required documentation and fees to process mortgage loans. - Ensure all loans are originated, disclosed and/or re-directed accurately and timely within all established regulatory compliance requirements and timeframes. - Ensure accurate processing is completed in a timely manner and prepare for submission to underwriting. - If the loan is approved, take final steps to ensure a smooth closing. If the loan is declined, verbally advise the borrower and issue applicable refunds. Return any documents not pertaining to credit. - Conduct sales presentations for Realtors as necessary to enhance business relations. - Perform other duties as assigned.

Reports To: Varies by location   Primary Functions: Originate mortgage loans and promote related programs within the real estate profession and through personal networks.   Duties and Responsibilities: - Market mortgage loan programs to the real estate sales industry and to personal contacts. - Develop and maintain loan referral relationships with professionals in real estate, accounting, legal and financial planning fields. - Interview buyer/applicants and originate investor mortgage loans. Accept applications and input them to the origination system, provide required estimates and disclosures, and gather required documentation and fees to process mortgage loans. - Ensure all loans are originated, disclosed and/or re-directed accurately and timely within all established regulatory compliance requirements and timeframes. - Ensure accurate processing is completed in a timely manner and prepare for submission to underwriting. - If the loan is approved, take final steps to ensure a smooth closing. If the loan is declined, verbally advise the borrower and issue applicable refunds. Return any documents not pertaining to credit. - Conduct sales presentations for Realtors as necessary to enhance business relations. - Perform other duties as assigned.

Reports To: Varies by location   Primary Functions: Originate mortgage loans and promote related programs within the real estate profession and through personal networks.   Duties and Responsibilities: - Market mortgage loan programs to Retail branch partners, the real estate sales industry and to personal contacts. - Develop and maintain loan referral relationships with professionals in real estate, accounting, legal, financial planning fields, and Retail branch partners. - Interview buyer/applicants and originate investor mortgage loans. Accept applications and input them to the origination system, provide required estimates and disclosures, and gather required documentation and fees to process mortgage loans. - Ensure all loans are originated, disclosed and/or re-directed accurately and timely within all established regulatory compliance requirements and timeframes. - Ensure accurate processing is completed in a timely manner and prepare for submission to underwriting. - If the loan is approved, take final steps to ensure a smooth closing. If the loan is declined, verbally advise the borrower and issue applicable refunds. Return any documents not pertaining to credit. - Conduct sales presentations for Retail branch partners and Realtors as necessary to enhance business relations. - Attend Retail branch meetings regularly and make in person visits weekly at the main source for Mortgage referrals. - Provide on-going coaching and training to retail partners as a way to gain quality mortgage referrals. - Participate in quarterly branch lobby days in conjunction with Retail branch partners. - Participate in community events as directed to further enhance and grow business and market share. - Perform other duties as assigned.

Reports To: Varies by location   Primary Functions: Originate mortgage loans and promote related programs within the real estate profession and through personal networks.   Duties and Responsibilities: - Market mortgage loan programs to Retail branch partners, the real estate sales industry and to personal contacts. - Develop and maintain loan referral relationships with professionals in real estate, accounting, legal, financial planning fields, and Retail branch partners. - Interview buyer/applicants and originate investor mortgage loans. Accept applications and input them to the origination system, provide required estimates and disclosures, and gather required documentation and fees to process mortgage loans. - Ensure all loans are originated, disclosed and/or re-directed accurately and timely within all established regulatory compliance requirements and timeframes. - Ensure accurate processing is completed in a timely manner and prepare for submission to underwriting. - If the loan is approved, take final steps to ensure a smooth closing. If the loan is declined, verbally advise the borrower and issue applicable refunds. Return any documents not pertaining to credit. - Conduct sales presentations for Retail branch partners and Realtors as necessary to enhance business relations. - Attend Retail branch meetings regularly and make in person visits weekly at the main source for Mortgage referrals. - Provide on-going coaching and training to retail partners as a way to gain quality mortgage referrals. - Participate in quarterly branch lobby days in conjunction with Retail branch partners. - Participate in community events as directed to further enhance and grow business and market share. - Perform other duties as assigned.