***A completed application is required for consideration of employment.***

 

Full-Time Mortgage Support Specialist

Monday - Friday: 8:00 am. - 5:00 p.m.

**On-Site Role**

                                    

Role:

To provide support to essential areas of the mortgage department and to help provide and execute excellent member service. Responsible for assisting and supporting Mortgage Loan Officers throughout the loan origination and processing phase as well as assisting members post close. Organization, attention to detail, and an ability to meet deadlines in a fast-paced environment are crucial for success in this position. To ensure loans follow all applicable mortgage lending regulations and guidelines. Attendance is an essential function of performing the duties of this job.

Major Duties and Responsibilities:

25%

Reviews mortgage loan application files to verify application data is complete and assist in obtaining needed information from the borrower and third parties; including ordering of appraisals, flood certificates, payoffs, PMI certificates, title work, loss-payee, etc. Ensures all entries, calculations, documents and dates entered into the LOS are compliant under TRID. Ensure loan files are prepared and sent to final underwriting in an accurate and timely manner to meet closing date deadlines.

20%

Works closely with Mortgage Loan Officers and is responsible for all assigned files in the processing pipeline. Assist MLO with early disclosures, gathering, reviewing and uploading of all necessary borrower documentation into the LOS. Answer member questions throughout their loan process and assist the MLO in weekly loan updates to borrowers.

20%

Completes funding of closed Mortgage loans in accordance with ACU policy, to include but not limited to scanning packets, distributes proceeds via cashier's check, wire, or internal transfers to GL's and creditors. Submits investor loans for purchasing prior to lock expiration date. Clears all purchasing conditions. Follows up and ensures all secondary market outstanding trailing documents are delivered.

20%

Performs all functions of mortgage servicing, to include monitoring taxes, insurance, and PMI on all loans. Conducts yearly escrow analysis, answers members servicing calls, emails and walk-ins. Performs monthly, quarterly and yearly tasks as they pertain to mortgage servicing to include but not limited to monthly construction billing, late notices, annual PMI letters, mortgage Interest 1098 statements, and LERETA add/deletes and quarterly audits.

15%

Back-up and assist the Mortgage Closer with balances closing disclosures for loan closings in compliance with ACU, investor, and regulatory guidelines and close portfolio loans at ACU.

Part-Time Teller / Member Service Representative

Monday - Friday:  7:45 a.m. - 1:15 p.m.

Saturdays:  8:45 a.m. - 1:15 p.m.

(Part-time employees are scheduled for 21 - 29 hours per week)

Role:

To assist members with their financial transactions, involving paying and receiving cash and other negotiable instruments. Attendance is an essential function of performing the duties of this job.

Essential Functions & Responsibilities:

55% Receives and processes member financial transactions, including deposits, withdrawals and loan payments; sells money orders, VISA gift cards, etc. to members; transfers amounts from member accounts as directed.

15% Welcomes members and provides routine information concerning services and directs members to appropriate department for specific information and service.

15% Balances cash drawer and daily transactions.

5% Performs a variety of miscellaneous tasks including typing, filing, computer input and answering the telephone.

5% Cross-sells credit union services.

5% Other duties as assigned.

***A completed application is required for consideration of employment.***

 

Full-Time Collections Manager

Hybrid Role

Oklahoma residency required by start date**

3+ Years' Collections & Leadership Experience Required**

                                    

Role:

To preserve the Credit Union's assets by controlling delinquent accounts, collecting delinquent loan payments and/or recovering collateral; hiring, scheduling, training, and monitoring the work of other direct reports; disposing of repossessed collateral and working with vendors in assisting with attaining goals. Attendance is an essential function of performing the duties of this job.

 

Essential Functions & Responsibilities:

 35% Analyzes financial situation of delinquent borrowers; takes action to repossess collateral when arrangements to bring the loan current are unsuccessful. Direct and indirect oversight of all legal proceeds, bankruptcies and foreclosures. Informs management of trends in loan underwriting contributing to delinquent/charged-off loans. Recommends strategies to address negative trends and isolation of impacting factors and/or risk factors which have been identified. Proactively analyzes monthly losses, identifying and projecting subsequent month’s losses and delinquency ratios and numbers.

 35% Hires, reviews, schedules, trains, and monitors the work of direct reports: conducts performance reviews; allocates resources to meet operational needs within the department; assist CFO in managing vendor relationships to assist in attaining collection goals; reviews and approves, denies, or modifies department recommendations from subordinate

 20% Coordinates the repossession, determines further investment (repairs or improvements), and sale of repossessed collateral while seeking to maximize recovery value. Oversees the appropriate documentation for bankruptcy accounts. Prepares the required documentation for assignment to collection agencies or attorney. Attends court hearings for various legal/bankrupt files. Oversee the preparation of delinquent accounts for charge off requests.

 10% Attends the Credit Union’s credit manager committee. Vocalize concerns or trends being spotted by collection team and offers suggestions/solutions. Performs quality control loan review sampling on a regular basis.