Senior Real Estate Lending Analyst

Msgcu • Troy, MI

1d • Hybrid

About The Position

Michigan Schools & Government Credit Union (MSGCU) is seeking a Senior Real Estate Lending Analyst to lead technical efforts in alignment with strategic objectives across all channels, translating business needs into enhanced performance. This role serves as a subject matter expert for configuring, customizing, and upgrading MSGCU’s real estate loan origination system (LOS) and servicing software. The analyst will act as a liaison to IT on matters relating to real estate lending systems improvements, enhancements, and issues. The position involves evaluating and enhancing lending business processes, data integrity, and lending system performance to improve operational efficiency, productivity, and the member experience. Collaboration with Real Estate Lending leadership is key for strategic analysis, planning, identifying improvement opportunities, and implementing technology-driven solutions. Staying current on industry advances, best practices, and Ellie Mae and regulatory system administration guidelines is essential. The role also involves evaluating technologies to recommend process automation, establish outcome measures, improve end-user prioritization decision-making agility, and assess progress and risks to strategic goals. The Senior Real Estate Lending Analyst will oversee real estate lending systems, business intelligence analytics, third-party system vendors, and affiliated services to ensure an efficient, scalable, and effective lending environment that supports a modern digital mortgage experience. This includes managing vendor integrations, providing back-up administration for user profiles, business rules, workflow progression, regulatory compliance updates, document generation libraries, custom loan documents, and eFolder settings. Partnering with stakeholders to evaluate proposed system changes and process enhancements by supporting the development of functional and technical specifications, change requests, test plans, and training materials for IT Governance review, quality assurance, deployment, and end-user support is also a core function. Additionally, the role involves collaborating with business data users to develop ad-hoc and scheduled reporting solutions, providing guidance and recommendations for high-impact solutions, and facilitating scheduled lending system reporting and process automation. The analyst will serve as a subject matter expert and key participant on corporate projects involving real estate lending systems and process enhancements, helping to define business requirements, validate system changes, and support implementation activities. Risk management associated with real estate lending activities, system changes, and process enhancements to maintain compliance with applicable regulations, internal controls, and industry standards is also a responsibility. Core competencies include Member Focus, Action Oriented, Optimizes Work Processes, Collaborates, Communicates Effectively, Instills Trust, Self-Development, and Situational Adaptability.

Requirements

• Bachelors degree in Business Administration, Computer Science, or related field preferred
• 5 years of real estate lending end-to-end analysis experience
• Requirements gathering and documentation
• Data analytics and planning
• Systems coordination and process improvements
• Experience using Encompass and its interfaces, VB.net, C#, FICS Mortgage Servicer, Symitar, MS Visio, MS Excel, or SQL preferred
• Strong knowledge of Encompass functionality and ability to coach end-users on how to utilize it effectively.
• Experience in configuration of all areas of Encompass settings including personas, user groups, eFolder, loan templates, reports, input form builder and all types of business rules.
• Strong understanding of loan lifecycle.

Nice To Haves

• Certification in Encompass Administration, ICE Developer Connect Certification, or similar course work preferred.

Responsibilities

• Leads technical efforts in alliance with strategic objectives across all channels, translating business needs into enhanced performance.
• Serves as a subject matter expert to configure, customize, and upgrade MSGCU’s real estate loan origination system (LOS) and servicing software.
• Acts as a liaison to IT on matters relating to real estate lending systems improvements, enhancements, and issues.
• Evaluates and enhances lending business processes, data integrity, and lending system performance to improve operational efficiency, productivity, and the member experience across real estate loan origination and servicing systems.
• Collaborates with Real Estate Lending leadership to support strategic analysis and planning, identify improvement opportunities, and implement technology-driven solutions that streamline workflows, strengthen data management, and advance business objectives.
• Stays current on industry advances, best practices, and Ellie Mae and regulatory system administration guidelines applying them in practice to optimize system performance.
• Evaluates technologies to recommend process automation, establish outcome measures, improve end-user prioritization decision-making agility, and assess progress and risks to strategic goals.
• Oversee real estate lending systems, business intelligence analytics, third party system related vendors, and affiliated services to an efficient, scalable, and effective lending environment that supports a modern digital mortgage experience.
• Manages vendor integrations within the lending systems environment in coordination with the Real Estate Lending leadership, IT protocols, and vendor management resources.
• Provides back-up administration for user profiles, business rules, workflow progression, regulatory compliance updates, document generation libraries, custom loan documents, and eFolder settings.
• Partners with stakeholders to evaluate proposed system changes and process enhancements by supporting the development of functional and technical specifications, change requests, test plans, and training materials for IT Governance review, quality assurance, deployment, and end user support.
• Collaborates with business data users to develop ad-hoc reporting and scheduled reporting solutions that support business needs, decision making, and operational efficiency.
• Provides guidance and recommendations to identify high-impact, creative solutions, while supporting data integrity, reporting accuracy, and effective data management within lending systems.
• Facilitates scheduled lending system reporting and process automation to improve efficiency, streamline workflows, and enhance business insight.
• Serves as a subject matter expert and key participant on corporate projects involving real estate lending systems and process enhancements.
• Partners with stakeholders to define business requirements, validate system changes, and support implementation activities to deliver effective solutions within defined timeline, scope, and budget.
• Helps develop project scope, objectives, and requirements by applying knowledge of business processes, technology, and industry standards.
• Identifies and supports management of risks associated with real estate lending activities, system changes, and process enhancements to help maintain compliance with applicable regulations, internal controls, and industry standards.
• Monitors control measures and escalates issues as needed to mitigate operational risk and maintain adherence to industry standards.

Benefits

• Generous health benefits
• vacation time
• retirement plan contributions
• discounts on loans and phone service
• Medical, dental and vision on your first day!
• Health Savings Account (HSA)-eligible medical plan with no monthly premium for you (and your family)
• 3% contribution from MSGCU to 401(k) if at least 21 years old
• 100% match for the next 7% contributed to 401(k)
• 12 paid holidays
• up to 120 hours of PTO your first year of service (pro-rated based on start date)

What This Job Offers

• Job Type: Full-time
• Career Level: Senior