Real Estate Processing Specialist II

Function Description:The Real Estate Processing Specialist II will support the Real Estate Processing Department by processing Home Equity loans, reviewing income, home valuations, and reviewing title reports. This role plays an important part in providing best in class service to our members. This position will work in collaboration with other departments and partners.

Reports to:Supervisor – RE Processing 

Supervisory or Managerial Responsibility:None

Contacts:All levels of credit union employees, internal and external auditors, and vendors.

Essential Responsibilities:

• Demonstrates Bellco’s Act Nice Behaviors and Core Values in all interactions with members, prospective members, and personnel in other Bellco departments.

• Completes activities and SLA goals associated with Real Estate – Processing. Responsible for the thorough review and documentation of loan documents provided by the members and 3rd party vendors to satisfy required conditions which includes income documents, title, and appraisal reports.
• Manages and distributes loan conditions which are received through a variety of channels.
• Daily communication with members, via their channel of choice, to provide updates and expectations throughout the loan process.
• Educate members on Home Equity products and assist members with all inquiries. Offers other products and services that meet members financial needs.
• Utilize internal reports and dashboards to maintain required service levels and ensure all daily tasks are completed.
• Work in collaboration with other team members in Home Equity and other business areas.
• Prepare and participate in regular pipeline reviews with management to ensure daily tasks are met.
• Assist with coverage for co-workers to maintain member communication and processes to meet service level agreements.
• Contact vendors as needed to clarify data and reports received to thoroughly process loan.
• Ensure compliance with regulatory, and Agency requirements including but not limited to RESPA, Homeowner’s Protections Act of 1998, SCRA, Fair Credit Legislation, HMDA, and CFPB.
• Performs other related duties as assigned by management.

Skills:Must possess strong communication, organizational, presentation, member service and interpersonal skills, Make sound decisions based upon department procedures, company guidelines and policies, Ability to multi-task in a fast-paced environment, while still being detailed and results oriented, Demonstrates strong analytical/problem solving and time-management skills, Strong PC skills to include Microsoft Word, Excel, and Real estate origination systems.

Core Responsibilities:

• Be available to work as scheduled and report to work on time.
• Be willing to accept supervision and work well with others.
• Comply with all organizational policies, the Employee Handbook, Code of Conduct, and required annual training.
• Fosters an inclusive workplace where diversity and individual differences are valued and leveraged to achieve the vision and mission of the organization.
• Adheres to safe working practices and always follows all organizational safety policies and procedures.
• Demonstrates compliance with all state, federal and all other regulatory agency requirements.
• Ensure strict confidentiality of all records and PII.

Core Values:

BE ETHICAL AND DEMONSTRATE INTEGRITY:Treat others with respect, dignity and” tough love.” It’s about character and influence, not about a title. Be honest and direct. Challenge ourselves and each other to reach our full potential.

BE ACCOUNTABLE:Lead by example. You are the reflection of how you show up. Set realistic expectations. Make good business decisions. Meet commitments. Learn from mistakes.

EMBRACE CHANGE:Develop the individual, improve the team, grow the institution.Encourage and reward creative solutions. Ask impactful organizational questions.Identify the problem to be solved and the desired outcome.Engage others. Believe in what’s possible.

APPRECIATE THE MEMBER:Achieve and retain trusted, valued relationships with members.Listen and identify needs.Prioritize the member experience. Maintain a high level of member satisfaction. Serve the member with pride.

ACHIEVE SUCCESS TOGETHER:Strive for Flawless Execution. Not for the sake of numbers, but for a sense of pride in a job well done. Success favors the prepared. Consistently plan, coach and grow to master our roles. Celebrate our success.

Act Nice Behaviors:

Accept mutual accountability when things go wrong

Acknowledge others’ efforts and thank them

Avoid jumping to conclusions

Be honest, direct, and civil with no hidden agendas

Communicate with others face to face whenever possible

Empathize with others by putting yourself in their shoes

Establish and build relationships into trusted partnerships

Forget the past and avoid holding grudges

Hear individuals out by actively listening to them

Protect and build up each other’s self-esteem

Recognize and reinforce others’ positive actions

Respect each other’s priorities and personal space