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Mortgage Loan Closer, Full-Time, Boylston Location

Essential Duties and Responsibilities:  (Other duties may be assigned)

  • Review file to ensure credit, underwriting and property conditions have been satisfied prior to closing.  Review documentation for compliance with internal and regulatory guidelines.
  • Review HMDA relief sheet and cross check to Calyx for accuracy.
  • Prepare mortgage packages for delivery to settlement companies for purposes of closing on conventional, FNMA, FHA, VA, USDA, FHLBB, MassHousing Mortgage products, Fixed Home Equity Loans and Home Equity Lines of Credit.
  • Ensures closing documents are in compliance with the credit unions policies and procedures.
  • Advise attorneys that files are clear to close and schedule closings.
  • Work with attorneys, paralegals, originators, processors and members with any issues that may arise due to title issues prior to closing.
  • Evaluate title exceptions and determine if applicable; clear any mortgage related deficiencies within specified time period - Basic research/review.
  • Prepare initial Closing Disclosure for attorneys prior to closing.
  • Review Final Closing Disclosure to ensure compliant and accurate prior to closing.
  • Review property insurance policies for accuracy in documents and proper coverage.

Qualification/Skill Requirements:

  • NMLS/SAFE ACT compliant.
  • HMDA experience required.
  • Possess solid organizational and time management skills as well as a strong knowledge in FHA, USDA, VA, Mass Housing and Conventional (FNMA & FHLMC) regulations.
  • Proficient in Calyx or similar loan processing system
  • Working knowledge of MRG or similar doc provider, MassHousing portal, Titan and MERS.
  • TILA-RESPA Integrated Disclosure rule implementation
  • Working knowledge of rate locks and delivery commitments to investors.
  • Working knowledge of Windows/MS Office applications (Outlook, WORD, Excel, etc.)
  • Working knowledge of specific credit union applications (Insight, COCC, etc.)
  • Responsible for maintaining Credit Union’s quality service standards.
  • Knowledge about credit union system, its structure, common language and acronyms, philosophy and Credit Union’s mission statement.
  • Ability to operate standard office equipment, such as personal computer, fax machine, postage machine,  photocopier and typewriter.
  • Self-starter, self-reliant, dependable, ability to work within and meet specific time constraints.
  • Team player with positive attitude and willing to work well with others.
  • Excellent communication skills, detail orientated and organized.

Education and/or Experience:

  • Minimum five years of residential real estate closing experience required.
  • A two-year college degree or completion of a specialized course of study at a business or trade school      or equivalent work experience.

Please reply with your letter of intent and resume to HRJobs@freedom.coop

 

 

Member Service Representative Full time, Main Office Branch 

Essential Duties and Responsibilities:  (Other duties may be assigned)

  • Provides assistance to potential and current members in opening new and closing accounts.  Sets up accounts via computer terminal and forms processing.  Orders necessary cards, drafts, issues temporary drafts, etc. as required by members to transact their credit union business. 
  • Process NCPS inquiries on all new accounts for qualified members.
  • Opens and closes share CD’s and assists with information regarding maturing CD’s. 
  • Responsible for opening IRA Accounts, processing documents and IRA transactions.
  • Accepts consumer loan applications and closes loans
  • Provides routine information concerning credit union services.
  • Processes the necessary paperwork for such services as direct deposit and PWO forms.
  • Maintains current knowledge of all products and services of the credit union.  Actively cross sells all credit union’s products and services to meets member needs.
  • Sells Travelers Checks.
  • Sells safety deposit boxes and assist members in safety deposit box area.
  • Assist members with electronic banking.
  • Able to balance ATM machines and process envelopes containing cash and checks.
  • Assures compliance with Bank Secrecy Act regulations relative to opening new accounts.
  • Assists teller line in processing routine teller transactions as needed.

 Qualification/Skill Requirements:

 Responsible for maintaining Credit Union’s quality service standards.

  • Verbally interacts with members, fellow employees and vendors.
  • Knowledge about credit union system, its structure, common language and acronyms, philosophy and      Credit Union’s mission statement.
  • Ability to operate standard office equipment and tools, such as personal computer, fax machine, postage machine, photocopier and typewriter.
  • Knowledge of Windows applications, i.e. MS Office (Word, Excel, Outlook).
  • Bilingual in Spanish required.

 Education and/or Experience:

  • High School Diploma or equivalent required or equivalent combination of education and experience.
  • Minimum of six months in financial institution.

 Please reply with your letter of intent and resume to HRJobs@freedom.coop

 

 

TELLER/MSR POSITION Part-Time, Cooley Street Location

 Essential Duties and Responsibilities:  (Other duties may be assigned)

  • Receives and processes current transactions, accepting deposits, withdrawals,loan payments.
  • Sells money orders and official checks.
  • Provides routine information concerning Credit Union products and services in accordance with Credit Union policies.
  • Balances cash drawer and makes settlement of daily activities.
  • Reviews and explains transactions to members regarding their accounts.
  • Cross-sells all products and services of the Credit Union.
  • Types, files and performs other duties as assigned.
  • Collects money for special products and promotions
  • Assists other tellers and with the new account desk when necessary
  • Process and deliver mail
  • Up to 25 hours per week
  • Requires flexible availability and includes every Saturday

 Qualification/Skill Requirements:

  •  Responsible for maintaining Credit Union’s quality service standards.
  • Verbally interacts with members, fellow employees and vendors.
  • Reads, writes and performs mathematical computations
  • Ability to follow oral and written directions
  • Knowledge about credit union system, its structure, common language and acronyms, philosophy and Credit Union’s mission statement.
  • Ability to operate standard office equipment and tools, such as personal computer, fax machine, postage machine, photocopier and typewriter.

 Education and/or Experience:

  •  High School Diploma or equivalent required or equivalent combination of education and experience.
  • Some cash handling experience in a financial institution or related experience. 
  • Good organizational and communication skills
  • Accuracy

 Please reply with your letter of intent and resume to HRJobs@freedom.coop