Home Equity Specialist - Westchase District

The Home Equity Specialist is the primary loan originator for Texas Home Equity loans, HELOCS and Home Improvement loans and on occasion, lot loans, for the credit union. This person is responsible for taking loan applications, obtaining supporting documentation required for the loan request, locking the rate, and submitting the loan to processing. They will ensure the loan is structured in accordance with the members request while at the same time ensuring the loan complies with credit union and regulatory requirements.

• Conducts the loan interview, reviews income, employment history, residency history as well as, collateral requirements for the loan request. They will also review credit reports, credit scores and other supporting information and documentation to ensure the member and the collateral meet the minimum requirements for origination. Complies with regulatory requirements to ensure application documents completed accurately and are provided to the member/ applicants within the required timeframes.

• Manages high call volume and relatively large pipelines. These loans are designed to be “Fast-tracked” so attention to detail, accuracy, good communication with the member and the processing team are essential.
• Identifies consumer loan cross sell opportunities based on applicant criteria including debt ratios, minimum credit score requirements, comparable credit history and processes accordingly.
• Required to meet initial contact requirements on all referrals and maintain consistent follow up on all loan applications and referrals.
• Other duties as assigned.

Requirements

Experience

A minimum of one year up to three years of similar or related experience, including preparatory experience.

Education/Certifications/Licenses

A high school degree or equivalent. NMLS required

Interpersonal Skills

A significant level of trust, credibility and diplomacy is required. In-depth dialogues, conversations and explanations with customers, direct and indirect reports and outside vendors can be of a sensitive and/or highly confidential nature. Communications may involve motivating, influencing, educating and/or advising others on matters of significance.

Other Skills

Knowledge of Fannie Mae and Freddie Mac guidelines is required. Experience with Encompass Loan Origination system; Familiar with Mortgage Lending laws and regulations, including Investor programs.

Physical Requirements

Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 5 lbs. Must be capable of climbing / descending stairs in emergency situation. Must be able to operate routine office equipment including CRTs, typewriters, telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance.

Working Conditions

Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.

Mental and/or Emotional Requirements

Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.

Benefits

Smart Financial Credit Union offers a competitive salary and excellent top-tier benefits. In addition, Smart Financial Credit Union has a tuition reimbursement program; full-time employees can receive up to $4,000 per year in tuition reimbursement.

Smart Financial Credit Union was ranked as Houston's Best Places to Work! Five consecutive years in a row!
Source: Houston Business Journal, 2011, 2012, 2013, 2014, and 2015.

Smart Financial Credit Union was ranked USA Top Workplaces (National Award)!
Source: Houston Chronicle - 2021

Smart Financial Credit Union was ranked Top Workplaces (Regional Award)! Five consecutive years in a row!
Source: Houston Chronicle - 2016, 2017, 2019, 2020, 2021, 2022 and 2023

Smart Financial Credit Union was also ranked as Best Companies to Work for in Texas! Four consecutive years in a row!
Source: Texas Association of Business (TAB) and Texas Monthly Magazine – 2014, 2015, 2016, and 2017

*** Applicants must submit a resume in order to be considered for the position.

Smart Financial does not discriminate on the basis of race, sex, color, religion, age, national origin, marital status, disability, veteran status, genetic information, sexual orientation, gender identity or any other reason prohibited by law in provision of employment opportunities and benefits.

Smart Financial Credit Union (SFCU) commits to fostering a diverse, equitable, and inclusive workforce and member base where a sense of belonging is evident. Our core values and purpose compel us to invest in our culture, with the objective that all who interact within and with the credit union can be appreciated for their unique individuality and thrive in the environment, with respect for each other and our greater community.

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