Wauna Credit Union


Ian Wiggins


Job Description:

  1. Use TMA (The Member Advantage™) process to meet member needs and reach assigned sales goals by referring WCU products and services.
  2. Use AID,Inc principles to serve our members and meet CU sales and service goals; identify, recommend and sell products and services that are best suited to fulfill the needs of the member.
  3. Assist and advise members with information pertaining to their loan accounts
  4. Ensure the accuracy and timeliness of loan documents
  5. Complete real estate loan documents using applicable software system, and disburse funds approved on in-house, HELOC and secondary market real estate applications
  6. Maintain loan files, making certain all supporting documents are in place and file is properly filed
  7. Perform account changes as necessary using correct forms and online software
  8. Effectively communicate status and expectations to internal members, loan originators, closing agents and notary signers
  9. Disclose to members rates and fees for all accounts and loans, based on Rate and Fee Schedules
  10. Review loan for compliance with all applicable regulations.
  11. Prepare Direct Deposit, Payroll and Pre-authorized Funds Transfer forms and direct the forms through proper channels
  12. Obtain and evaluate credit reports and verify credit documentation and appraisals are not expired
  13. Perform audits and perform predatory lending tests on all loan files prepared and approved by Loan Officers
  14. Review signed loan documents, HUD, loan approval, investor conditions, and verify lock information and final fee sheet is in compliance with loan originator compensation per company guidelines
  15. Contact borrower, closing agents, and real estate agents to request conditions as needed to ensure close of escrow and rate lock expiration are met
  16. Understands compliance issues and attends training as they relate to their position, including, but not limited to, the Bank Secrecy Act, US Patriot Act, etc.
  17. Maintain a thorough understanding of credit union products and services
  18. Be familiar with loan products offered by competition and make suggestions to help create a marketing approach for WFCU to promote and provide members a sound lending program
  19. Perform drive-by appraisals for real estate loans
  20. Maintain current NMLS registration
  21. Review warehouse reports and work loan suspense to ensure timely investor purchase of loans.
  22. Conduct final balancing of real estate loan and request wire for purchase
  23.  Participate with Branch Manager and other Loan Officers in establishing and maintaining good working relationships with real estate agencies, title companies and other businesses in the community

Education/Experience Required:

  1. High School diploma or GED equivalent.
  2. Two years progressive experience in consumer lending; real estate lending preferred.