Assistant Mortgage Specialist

Job Title: Assistant Mortgage Specialist

Department: Mortgage Department

Reports To: Director of Real Estate Lending

FLSA Status: Non-Exempt

Grade: 8

Prepared Date: August 3 2026

SUMMARY

Under the direction of the Mortgage Specialist(s) and the supervision of the Director of Real Estate Lending and in compliance with established policies and procedures performing a range of support and services with special dedication attributed to the mortgage lending functions by performing the following duties.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned within scope of authority and expertise to provide the highest level of service and responsiveness to members to positively promote our products and services.

1. Assist Mortgage Specialists with the processing of secondary market mortgage loans in accordance with established policies and procedures with special consideration to CFPB/TRID/HMDA guidelines for real estate lending and reporting. Including; issuing initial disclosures either electronically or via mail within established regulatory timelines and obtaining necessary items to complete the files such as appraisals title searches flood certs insurance payoffs and VOEs.

2. Daily monitoring and review of any new real estate loan inquiries or requests received via branch online or other method of submission for accuracy and completeness within a timely fashion.

3. Monitoring current loan pipeline with focus on moving initial loans through the milestones needed to complete the request following up on deficient items needed to complete the request within a timely fashion and prepares files for final underwriting review.

4. Maintains communication with Mortgage Specialists and applicants during the loan process providing updates and acting as a liaison between the applicants and Mortgage Specialists

5. Provides quality member service throughout the loan process including follow up contact with applicants regarding any documents needed to finalize their request such as income assets insurance etc.

6. Handles scheduling for inside and outside appointments for Loan Originator(s)

7. Maintains current knowledge and compliance with secondary market and regulatory guidelines and requirements as well as all other bank policies procedures and regulations.

8. Keeps abreast of regulatory and competitive developments within the area of real estate lending.

9. Assist with other areas of the Mortgage Department as needed such as interviewing processing closing post-closing and servicing functions and any other duties within the department as needed

NON-ESSENTIAL DUTIES AND RESPONSIBILITIES including the following. Other duties may be assigned. No Non-essential duties and responsibilities have been assigned.

SUPERVISORY RESPONSIBILITIES

Not normally required to supervise other employees.

QUALIFICATIONS To perform this job successfully an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

LANGUAGE SKILLS

Ability to read analyze and interpret general business periodicals professional journals technical procedures or governmental regulations. Ability to write reports business correspondence and procedure manuals. Ability to effectively present information and respond to questions from groups of managers clients customers and the general public.

MATHEMATICAL SKILLS

Ability to calculate figures and amounts such as discounts interest commissions proportions percentages area circumference and volume.

REASONING ABILITY

Ability to solve practical problems and deal with a variety of concrete variables in situations where only

limited standardization exists. Ability to interpret a variety of instructions furnished in written oral

diagram or schedule form.

SCOPE OF RESPONSIBILITY

Incumbent generally establishes own work plan and priorities using and/or modifying established procedures to assure timely completion of assigned work in conformance with established departmental policies and standards; problems lacking clear precedent are usually reviewed with supervisor prior to taking action.

INTERPERSONAL SKILLS

Work involves contacts with personnel of other departments within the organization as well as with general public representatives of other organizations vendors etc. where considerable discretion resourcefulness and persuasiveness is required to achieve desired objectives.

COMPUTER SKILLS

The ability to understand more advance computer skills and be proficient in the intermediate knowledge

of software such as Microsoft Word Excel and computer software pertinent to the position.

PHYSICAL DEMANDS The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job the employee is regularly required to talk or hear. The employee frequently is required to stand; walk; sit; use hands to finger handle or feel; climb or balance; and stoop kneel crouch or crawl. The employee is occasionally required to reach with hands and arms. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision depth perception and ability to adjust focus.

Note: Regularly more than 2/3 of the time. Frequently 1/3 to 23 of the time. Occasionally less than 1/3 of the time.

WORK ENVIRONMENT The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job the noise level in the work environment is usually moderate.

EDUCATION and/or EXPERIENCE

Bachelors degree (B. A.) from four-year college or university; or one to two years related experience and/or training; or equivalent combination of education and experience.

CERTIFICATES LICENSES REGISTRATIONS

Valid State of Connecticut Drivers License