About the role

You will assist members with their mortgage lending needs, describe the benefits of various mortgage products, cross-sell credit union products, process and make loan disbursements.

What you'll do

Evaluate Loan Applications:

·       Review borrower information, including income, assets, employment, and credit history to determine the ability to repay the loan.

Risk Assessment:

·       Calculate debt-to-income ratios, analyze credit reports, and identify potential financial risks.

Decision Making:

·       Approve, deny, or request additional information for loan applications based on thorough analysis.

Risk Assessment:

·       Calculate debt-to-income ratios, analyze credit reports, and identify potential financial risks.

Compliance and Documentation:

·       Ensure all applicants meet lender and government regulations, document decisions, and specify loan conditions as necessary.

Qualifications

 Experience:

·       One year to three years of similar or related experience.

Education:

·       A two-year college degree, or

·       Completion of a specialized certification or licensing, or

·       Completion of specialized training courses conducted by vendors, or

·       Job-specific skills acquired through an apprenticeship program.

Interpersonal Skills:

·       This role involves personal contact with others, inside and outside the organization, for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation.

·       Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.

Other skills:

·       Knowledge of the secondary market and experience with first and second mortgage residential real estate lending.

·       Must be able to use general office equipment.

·       Must have good communication skills.

About SPC Credit Union

SPC Credit Union has been serving members for more than 80 years. Over time, a Field of Membership that began with Sonoco Products Company in Hartsville has expanded to include four counties–Darlington, Florence, Marlboro, & Chesterfield. While our footprint, technology, and services have adapted over the years, one thing that hasn’t changed is our commitment to being a community credit union where our members are Safe. Personal. & Connected.