Home Equity Lending Specialist

MIDFLORIDA Credit Union • Lakeland, FL

3d • Onsite

About The Position

MIDFLORIDA is hiring a Home Equity Lending Specialist to support its home equity lending process and contribute to the financial well-being of its members. The position is based at the Edgewood Operations Center in Lakeland, Florida, and is in-office, not remote. The specialist reviews loans for policy compliance, prepares disclosures, coordinates required loan documentation and services, communicates with members and branch personnel, and audits files for accuracy and compliance with secondary market guidelines. The role requires sound judgment, problem-solving, professionalism, and accountability for productivity and quality metrics.

Requirements

• Excellent service, communication, and organizational skills.
• Excellent verbal and written communication skills.
• Strong multitasking and sound decision-making skills.
• Experience with loan underwriting and secondary market guidelines.
• Eligibility to meet SAFE Act requirements for registration as a mortgage loan originator (MLO) with NMLS.

Nice To Haves

• One to two years of experience with Home Equity Lending or a bachelor’s degree.

Responsibilities

• Review loans submitted for processing to ensure they meet policy guidelines and address issues with loan officers as needed.
• Prepare and review initial disclosures for accuracy.
• Order title work, appraisals, flood certificates, and homeowners’ insurance for pending loans.
• Communicate with branch personnel and members about pending loans.
• Review title searches, appraisals, flood determinations, and homeowners’ insurance policies upon receipt.
• Contact members and branch personnel regarding title issues and other mortgage-related concerns.
• Gather accurate payoff addresses and obtain payoff statements from members or lenders when necessary.
• Audit files for accuracy and compliance with secondary market guidelines.
• Exercise sound judgment and discretion within established limits and guidelines.
• Provide problem-solving solutions and conduct research as needed.
• Provide technical solutions in support of MIDFLORIDA’s electronic services.
• Meet productivity and quality metrics.
• Communicate professionally and efficiently with all departments to promote synergy.
• Maintain integrity, trustworthiness, and professionalism, and demonstrate a positive, professional attitude with members and partners.
• Perform other duties as assigned.

Benefits

• Paid time off and paid holidays.
• Tuition assistance after six months of service.
• 401(k) plan with employer matching.
• Health, dental, and vision insurance, with plans for employees and family.
• Employee Assistance Program with no waiting period.
• Bonus programs and annual appraisals with salary increase opportunities.
• Opportunity for growth.
• Stability.

What This Job Offers

• Job Type: Full-time
• Education Level: No Education Listed