Mortgage Loan Assistant II

When joining Elevations, you can expect to work for a company that:

• Has been in business serving the local community since 1952.
• Is a two-time Malcolm Baldridge National Quality Award winner, the only presidential award for performance excellence.
• Has been voted as the "Best Bank" by our members and community and "Best Companies to Work for in Colorado" by our employees.
• Promotes a safe and inclusive environment where people express themselves openly and have opportunities to grow.
• Recognizes and rewards people who make every person feel welcomed, valued, respected and heard.
• Has a highly-engaged workforce committed to innovation, continuous improvement, and collaboration.
• Understands when our employees thrive, our members and community thrive too.
• Is dedicated to consistently providing amazing experiences and creating raving fans.

What's in it for you:

• A leadership team that strives to make this the best place you've ever worked!
• Ample opportunity to learn, develop and grow. We offer access to LinkedIn Learning, career and leadership development programs, job shadowing, a mentor program, and tuition reimbursement.
• A highly-competitive total rewards package with 4 weeks paid time off, work anniversary paid time off, and 12 paid holidays.
• Support in giving back to our community with 16 hours of paid volunteer time off.
• A wellness-focused environment that encourages and empowers you to invest in your work-life balance, health and wellbeing.
• A strong Employee Assistance Program, offering a variety of personal and professional resources.
• A high-performance culture where you can be proud of your contributions and what we are able to achieve as a team.
• A place where your voice can be heard and your work will have an impact.

Summary/Objective:
Consistently contributes to the success of the Mortgage Loan Officer and their team by meeting standards of excellence in project management, marketing, analytical and administrative support. Additionally, a Mortgage Loan Assistant II supports the loan officer by taking application information and providing phone/email coverage when the LO is away from the office with supervision by LOA Supervisor and/or another loan officer.

Essential Functions include:

Take ownership of the mortgage loan process from application to funding, acting as project manager with minimal supervision
Interact with members, loan officers, fellow LOA’s, processors, underwriters, closers, title agents and real estate professionals in a collaborative and professional manner
Schedule and attend pipeline meetings for loans in process
Communicate loan progress to borrower and real estate agents
Effectively manage purchase contract and lock expiration dates, anticipating areas of concern and bringing them to the attention of the loan officer and processor, assist as needed to meet those deadlines
Prepare and submit appraisal reconsiderations, rapid rescore requests and loan committee reviews with guidance from loan officer, or LOA Supervisor
Responsible for maintaining TRID compliance in providing mortgage disclosures throughout the process
Continued knowledge development of loan origination software, compliance requirements, ECU systems and procedures, loan structure/pricing and underwrite guidelines
Develop and create best practices for SOPs, workflows and loan origination software
Prepare and implement marketing ideas and support to expand loan officer referral partners and book of business
Assist mortgage operations staff, as needed
Maintain a professional work environment and business-like appearance
Exemplify the Elevations Credit Union culture and core values in all workplace interactions and settings
Adhere to all Federal/State laws and governing regulations applicable to mortgages and the credit union
Adheres to all applicable Federal and State laws and regulations governing the Credit Union, including the Bank Secrecy Act (BSA).

Reports to:
Mortgage LOA Manager

Manages:
This role does not have supervisory responsibility

Required Competencies:
Building Partnerships, Planning and Organizing, Influencing, Quality Orientation, Decision Making, Work Standards

Required Education and Experience:

Equivalent to a high school education
Minimum two years mortgage experience
Knowledge of Fannie Mae & Freddie Mac guidelines, mortgage regulations and TRID compliance
Familiarity with mortgage loan programs, structure, options and pricing
Interpersonal Skills: Courtesy, tact, discretion and diplomacy are essential elements of the job. Candidate must have an ability to foster positive work relationships with people both inside and outside the organization.

Preferred Education and Experience:

Mortgage sales experience preferred
Bilingual English/Spanish speaking preferred - includes $100/month bilingual bonus after passing aptitude assessment!

Work Environment:
This job operates in an office setting and routinely uses standard office equipment. Elevations uses multi-factor authentication to keep our data safe. As such, a personal smart phone is a requirement for employment with us.

Physical Requirements:
Sitting frequently, walking occasionally, use of hands frequently, hearing constantly, talking frequently, exerting up to 10 lbs of force occasionally to lift, carry, push, pull, or move objects.

Position Type/Expected Hours of Work:
Full time / 40 hours per week

Classification:
Non-Exempt

Location:
Denver LPO

Compensation:
The average total trended compensation is $99,223 with variable incentives and base pay. The candidate's starting salary will be adjusted based upon his, her, or their experience.

Other Duties:
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

About Us: Elevations Credit Union is a member-owned not-for-profit financial institution serving Colorado’s Front Range. Founded in 1952, we’ve grown from 12 members and less than $100 in assets to an institution with 13 branches and more than 120,000 members that manages over $2 billion in assets and is the No. 1 credit union mortgage lender in Colorado. At Elevations, we’ve made a commitment to move away from a product-centered business model and focus instead on creating consumer solutions. Our objective is to provide our members, as well as the entire community, with unbiased consumer information.

EEO Statement: Elevations Credit Union is an equal opportunity employer. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs.

Candidates for certain positions may be required to submit to a credit history report in determining qualification for employment with Elevations Credit Union. If the position you are applying for requires a credit history report, any information received in such a report will not be the sole factor in making an employment decision. A history of personal financial irresponsibility may be reason for disqualification insofar as it relates to your potential job duties. Elevations Credit Union is aware that occasionally there are extenuating circumstances that may affect an individual's credit history. We comply with the Fair Credit Reporting Act and the Colorado Employment Opportunity Act.

Job Type: Full-time