Real Estate Specialist

Real Estate Specialist

As our Real Estate Specialist, you will assist with:

• Interviewing members to identify financial needs; advice on loan programs, rate options, and credit union policies.
• Receiving and reviewing complex applications, validating data points such as loan terms, tax data, PINs, and county-specific requirements.
• Preparing and delivering initial disclosures and borrower checklists in strict accordance with federal regulatory timelines (TRID).
• Verifying core underwriting components, including complex income (W-2s/Tax Returns), assets, credit history, and collateral.
• Coordinating the seamless transfer of files to third-party mortgage partners for processing and underwriting.
• Auditing title commitments, appraisals, and credit reports for discrepancies. Re-qualifying loans and calculating final debt-to-income and loan-to-value ratios to obtain final approval per ACU guidelines.
• Managing the closing calendar with all parties; preparing legal closing documents and ensuring the final file is complete and properly recorded.
• Traveling to branch locations as needed to facilitate in-person home equity loan closings.
• Processing and remitting payments for third-party invoices and provide backup support for loan servicing and mortgage payment reporting.

Requirements:

• 1–3 years of proven experience in processing, documenting, and closing real estate loans.
• Deep knowledge of TRID guidelines, real estate laws, and federal reporting requirements.
• Intermediate problem-solving skills with the ability to evaluate complex loan files and resolve discrepancies independently.
• Strong interviewing and "soft skills" to discuss alternatives with members; excellent written and oral communication.
• Proficiency in Microsoft Excel and familiarity with modern Loan Origination Systems (LOS).
• Ability to perform with high accuracy under pressure with little to no supervision.
• Bilingual skills are highly valued and preferred.

Benefits:

• Our 401k Match is as high as 7.98%
• We offer Blue Cross health insurance with up to 90% employee/70% dependent premiums paid
• You'll:
  • accrue 12 days of vacation per year
  • be given 5 days of personal leave per year
  • be given up to 13 paid holidays per year
• Our dress code is relaxed, business casual and company logo wear
• We have a team of trainers to get you ready to be fabulous on the job!

Hours:

M-F 9:00AM-5:30PM (occasionally 6PM)

Saturday (rotating schedule) 9:00AM-1:00PM

EOE