File Analyst/Funding Specialist

Performs essential duties and responsibilities in the following areas which may include, but are not limited to those listed and are subject to change.

1. Adheres to the Credit Union's core values and Service Standards in carrying out GreenState's mission and vision.
2. Demonstrates a positive member service (internal and external) focus at all times. Consistent usage of the members name during contact and always thanking them for their business.
3. Demonstrates teamwork in all interactions with coworkers and in the completion of all duties and responsibilities.
4. Plays a vital role in enriching the community by participating in community service organizations and/or Credit Union sponsored events on an annual basis.
5. Ensures confidentiality of member information.
6. Assigns all new files to each markets closers on a daily basis and ensures each closer will be closing the same average number of closings. Monitors the closers vacation days and assigns files appropriately.
7. Issues all checks and posts general ledger entries related to the mortgage transaction. Funds all refinance loans after rescission period ends and issues all checks at that time.
8. Controls all member transactions on the core system related to the mortgage transaction (i.e. loan payoff, deposits, and withdrawals).
9. Ensures all wire requests related to the mortgage transaction are valid requests and are not fraudulent.
10. Controls the accuracy and completeness of mortgage loan data entry on core system for piggyback second mortgages. Updates addresses on the core system as needed.
11. Controls the accuracy and completeness of mortgage loan data entry on core system for all 1st mortgage construction loans. Accurately advances the 1st draw on the construction loan. Updates addresses on the core system as needed.
12. Oversees and maintains the accuracy of general ledger and check balancing associated with the funding on the mortgage files. Responsible for researching any offages and any outstanding checks or requests from vendors requesting payment.
13. Organizes file to be sent to post closing department in a timely manner to ensure prompt delivery to secondary market investors and to ensure mortgages are recorded in a timely manner.
14. Interacts with various lending teams to ensure all necessary documents are included in the file to be sent to secondary market including any conditions required by AUS or underwriter.
15. Assumes an audit function for files prior to shipping the file to the secondary market. Ensures all necessary documents are complete and included in all files before completing the file as required by GreenState Credit Union underwriter.
16. Follows up with lending teams, borrowers, or vendors on any missing or inaccurate documentation in mortgage file.
17. Verifies the accuracy of the sellers SSN for year-end reporting.
18. Verifies accuracy of Warranty Deed, Ground Water Hazard Statement, Declaration of Value, all mortgages and any additional documents that are to be recorded.
19. Registers all secondary market loans with MERS in a timely manner to ensure accuracy of lien position and to prevent delays in the loans being purchased.
20. Assists with submitting orders with attorneys to ensure prompt delivery of Title Opinion/Guaranty/Policy/Insurance after closing.
21. Assists with maintaining all post-closing abstracting and title guaranty documents that are saved in the loan origination system (currently Encompass).
22. Assists with ordering final title policies through Iowa Title Guaranty directly with Iowa Finance Authority, when applicable.
23. Assists with verifying accuracy and sending all final trailing documentation to secondary market investors after Title Guaranty/Policy/Insurance is received or for the completion of in-house mortgage loans.
24. Assists with mailing owner's title policies/insurance and/or deeds to borrowers, when applicable.
25. Assists with mailing abstracts to members or sending abstracts for storage as they are received by GreenState with Final Title Opinion/Policy/Insurance.
26. Provides support to track abstract storage and receipts.
27. Provides support to maintaining overall organization of pending and completed final title work to ensure prompt receipt and delivery.
28. Provides support to final title policies/insurance tracking report in loan origination system.
29. Provides support to organization of all mortgage files with pending final title work and work with the respective examining attorney to cure outstanding liens.
30. Assists in year-end verification of HMDA reporting and 1098/1099 statements.
31. Assists in all other necessary mortgage duties and projects when needed.
32. Adheres to all state, federal and credit union regulations, policies and guidelines.

1. Reports to work punctually, works all scheduled hours, and works overtime as necessitated by business demand.
2. Interpersonal skills to represent the Credit Union in a positive way during staff and member contact.
3. Interpersonal skills necessary to gather data from a number of sources and to represent positively the Credit Union during such contacts.
4. Ability to provide quality service to members by phone or in person.
5. Ability to develop and maintain effective working relationships with co-workers.
6. Ability to prioritize assignments and organize work efficiently, to handle large volumes of details.
7. Ability to operate related computer applications, an on-line terminal and other standard office equipment such as a calculator and typewriter.
8. Extreme accuracy and attention to detail required.
9. Lending policies and Real Estate knowledge is preferred.
10. High school diploma or equivalent (i.e. GED.) with one year of similar or related work experience, or a post-secondary degree in Business, Mathematical Science, or other related field.
11. Must be bondable.

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