Please reference the schedule and minimum qualifications listed below before applying.

If you need assistance with filling out our application form or during any phase of the application, interview, or employment process, please notify our Human Resources Team at 801-366-6947 option 1 or email macurecruiting@macu.com and every reasonable effort will be made to accommodate your needs in a timely manner.

Job Summary

The Loan Coordinator (LC) will own the member relationship from the moment our member applies for a Home Equity product till our member finishes the process. The LC will focus on guiding our members forward by providing expertise and financial education through AAA and delivering world class service.

Job Description

Schedule:

Monday - Friday with one of the below schedules:

8am - 5pm

8:30am - 5:30pm

9am - 6pm

Location:

Tanner Building

7167 S Center Park Drive
West Jordan, UT 84084
United States of America

To be effective, an individual must be able to perform each job duty successfully.

Member Focus

• Provides exceptional member service to credit union membership by assessing member needs and advising to improve their financial situation
• Recognizes member needs, educates on options for managing financial transactions through MACU tools, resources, technology and cross-sells products and services as needs arise through a consultation approach
• Consistent focus on increasing member satisfaction, building the membership base and account retention
• Expected to meet performance goals
• Resolves problems by clarifying member complaints, determining the cause of the problem, providing the best solution to resolve the problem, expediting correction or adjustment, and following up to ensure resolution.
• Communicate regularly with new and active loan applicants to ensure they receive exceptional service throughout the loan process.

Loan Processing

• Processes Home Equity Line of Credit applications up to $399,999
• Shows understanding and application of MACU home equity lending processes, procedures, and guidelines, and understanding of appropriate federal and state real estate lending regulations and how they apply to MACU.
• Processes loans by accepting and reviewing loan applications.
• Analyze data to verify borrower information and uncover fraud.
• Interviews loan applicants, reviewing credit report and collateral information.
• Make an initial assessment of the credit worthiness of borrowers through proper review of borrowers’ credit reports/scores.
• Gather and analyze paystubs, personal taxes, verification of income/employment, and assess any concerns with income
• Develop and maintain quality timeframes and management of pipeline to achieve and meet required deadlines
• Identify alerts requiring disclosures, re-disclosures and other necessary attention to loan files and work with loan officer to remedy.
• Assist in completion of Notice of Incomplete Applications, Withdrawals, and Denials within required time frames.
• Review the real estate collateral including its condition, AVM, and loan to value. 
• Order AVM and title report upon receipt of all qualifying documentation and Intent to Proceed
• Ensure proper lien position of requested loans through analysis of collateral title reports and clearing of collateral liens that could increase the risk of the loan. 
• Remove unnecessary documents/buckets from eFolder in Encompass to eliminate duplication and determine what missing documentation is outstanding; verify accuracy of received date for documents and correct if needed
• Demonstrate understanding of what is required for alerts, warnings and Mavent fails
• Confirms each loan file is complete with all required loan documentation and prepared for further analysis and underwriting.
• Confirm loan file has all required documentation and submit to underwriting
• Review and analyze borrower trust documents to ensure they meet MACU trust lending guidelines with special attention to the legal ability of the trust to borrow and the proper trust ownership of collateral property for deed of trust recording. 
• Works with borrower’s insurance companies to ensure the proper homeowners and flood insurances are accurate and in place, and that MACU is listed as lien holder.
• Verifies borrower’s employment status in accordance with MACU guidelines and, when necessary, CFPB “Ability to Repay” regulations.
• Works with borrowers’ other financial institutions to obtain accurate and timely pay-off information for loans that wil