Eastman Credit Union is seeking a Mortgage Business Development Associate for our Tri-Cities market. The Mortgage Business Development Associate supports the mortgage business development relationship manager in efforts to identify, develop, and maintain a quality network of business relationships that serves as a referral source for new mortgage lending opportunities, including 1-4 family investment properties and encourages members to use ECU as their primary financial institution.

Other essential duties and responsibilities include:

• Follow up and follow through with referrals generated by mortgage business development relationship manager (MBDRM)
• Assist MBDRM with application and submission of mortgage files
• Assist MBDRM with business development activities such as seminars, sales meetings, and professional organization meetings
• Continuous training and knowledge surrounding ECU’s specialty products such as:
  • Develop and maintain corporate ECU Relocation Rewards relationship
  • Educate and continually develop ECU’s Choice Professional Program, ECU’s construction loan products and government loans
• Responsible for ensuring extraordinary experience for members and business partners through excellent communication, responsiveness, follow-up and follow-through
• General knowledge of ECU’s non-mortgage products (consumer loans, deposits, ECU asset management, business lending, etc.)
• Interview prospective borrowers, determine borrowers’ financial goals, and present appropriate ECU product options
• Discuss loan pricing and lock options
• Gather application data
• Assist Relationship Manager and processor with additional application tasks as needed
• Originate mortgage loans
• Ensure all parties are kept apprised of loan status
• Work with Manager - Mortgage Business Development to resolve loan closing roadblocks
• Manage loan pipeline to insure timely loan processing and closing
• Coordinate with regional team members to assess workload needs
• Assist team members in other regions as needed
• Plan, organize and participate in ECU home buying, home selling and construction seminars
• Utilize ECU issued cell phone to provide excellent service to ECU members, non-members, realtors and other individuals.
• Security and Safety
  • Maintain strict confidentiality toward member accounts within ECU as well as outside of ECU
  • Maintain strict confidentiality toward ECU corporate information and assets
  • Be aware of surroundings at events and ensure self-safety
• Maintain working knowledge of mortgage regulatory compliance. Including but not limited to:
  • Regulation Z –
    • High - Cost Mortgages
    • Higher Priced Mortgages
    • Periodic Statement Requirements
    • Adjustable-rate Disclosures and Requirements
    • Ability to Repay o Right of Rescission
  • Home Mortgage Disclosure Act (HMDA)
  • Regulation X
    • Timely Escrow Payments and Treatment of Escrow Balances o Error Resolution Procedures
    • Requests for Information
    • Force Placed Insurance
    • Homeownership Counseling
  • Regulation B – Equal Credit Opportunity Act
    • Adverse Action
    • Appraisal Delivery
  • Qualified Mortgages
  • TILA RESPA
  • Fair Credit Reporting Act/FACTA
  • Equal Credit Opportunity Act
  • Right to Financial Privacy Act
  • Flood Insurance Notification
• Other duties as assigned

Required Skills

Required Experience

Bachelor's degree (B. A.) from four-year college or university; or one year related experience and/or training; or equivalent combination of education and experience. Demonstrated success in business development and meeting production goals. Demonstrated ability to establish network of referral business.

MAJOR RESPONSIBILITIES:

Information Governance:

· Develop a strategic plan for the IG program using best practice methodologies to support and achieve long-range organizational goals.

· Review, revise, recommend, and create organizational business policies to achieve compliance with technology, legal, IG, and business requirements.

· Leverage the matrix of departmental IG coordinators to ensure efficient and effective implementation of IG program requirements.

· Review IG program effectiveness by setting benchmarks, evaluating program performance, and reallocating resources.

· Develop IG policies, procedures, and methodologies for management of both paper and electronic records, by reviewing and analyzing recordkeeping methodologies and requirements.

· Oversee training programs designed to educate active employees and new hires on IG policies and procedures; advocate the importance of compliance with the IG program at all levels within the organization.

· Coordinate with the appropriate teams regarding offsite paper records storage, including the indexing of paper records inventories, secure movement of records between facilities, and relationships with storage vendors, to ensure compliance with all IG policies.

· Partner with Information Technology to develop best practices and procedures related to managing electronic information repositories, as well as evaluate and recommend technical solutions that support the IG program.

· Coordinate with internal Communications team to build and maintain an internal SharePoint site or other appropriate platform for the IG program.

· Serve as liaison between the organization and a third-party consulting firm to shape and build out the organization’s IG program.

· Once built out, manage operational IG and document control processes, procedures, and policies to ensure proper document collection, retention, and retrievability of physical and electronic records and data. This includes all systems, tools, and phases related to the document lifecycle.

· Assist departments and projects in the application of information governance and document control policies, procedures, and techniques, including implementing technologies that support standardized filing systems, indexing, classification schemes, records storage, retrieval, and disposition.

· Maintain organizational records in appropriate repositories, facilitate the record retention schedule, provide technical assistance to projects, and perform related duties as required.

· Manage the development, collection, and reporting of records management metrics to help measure the effectiveness of the program, including escalation of issues when appropriate.

Legal Support:

· Assist the legal department with reviewing non-disclosure agreements, credit applications, and other agreements in accordance with company-provided guidance.

· Provide support as needed for various legal matters.

· Maintain and organize legal documents and ensure their accessibility and compliance.

Mobile App Administration:

· Administer the company’s mobile phone app, ensuring it provides access to key documents and compliance guidance.

· Update and maintain app content to reflect the most current information and resources.

Marketing Support:

· Assist the Marketing department with responses to Requests for Proposals (RFPs) on major infrastructure projects.

· Collaborate with Marketing to ensure information needed for RFPs is comprehensive and accurate.

Other Responsibilities:

· Support the strategic communications plan for the information governance program to engage, educate, and influence key stakeholders about information governance and records management issues, policies, procedures, and controls.

· Communicate, engage with, and support project teams and company departments to ensure the adoption of appropriate controls while facilitating technology and process needs of project teams and company departments.

· Carry out standardized training and auditing on policies, procedures, and systems during various phases of the development process to ensure compliance across projects and departments. Perform other duties as assigned.

Preferred Qualifications:

· BA/BS + 5 years of relevant experience or demonstrated equivalency of experience and/or education

· Proficient in Office 365 and document management systems such as SharePoint

· Experience with document control on large infrastructure projects

· Proficient in MS Office applications

· Excellent communication skills

Physical Demands and Travel Requirements:

· Travel may be required to visit project locations, other office locations, and attend training and meetings

· Ability to sit or stand for the workday

· Occasionally required to stoop, bend, walk, and crouch

· Ability to lift, on an occasional basis, at least 35 pounds