Real Estate Lending (Mortgage) Analyst

Founded by a small group of educators, Michigan Schools & Government Credit Union (MSGCU) has been providing quality financial services to the community for more than 70 years and welcomes everyone in Michigan to bank with us. We are financial champions committed to helping our members achieve financial success by rallying behind them and their goals. As the sixth largest Credit Union in Michigan, MSGCU has 24 branch offices in southeast Michigan, over 450 team members, 150,000 members, $4 billion in assets, and a 97% member satisfaction rating for two decades. We are a caring organization that strives to ensure an equitable and inclusive culture where everyone is valued and respected.

About the role

Administer, configure, maintain, and support real estate lending systems to ensure reliable and efficient day-to-day operations. Provides technical support, system configuration, testing, troubleshooting, and user administration activities while maintaining system integrity, data accuracy, compliance, and operational effectiveness. Serves as real estate lending systems subject matter expert for end users and supports system enhancements, implementations, and projects related to real estate lending systems.

Responsibilities

• Monitors real estate lending system performance, workflows, and data integrity to support efficient day-to-day operations and a positive member experience.
• Maintains system documentation, administrative procedures, and configuration settings.
• Supports implementation of approved system enhancements and process improvements.
• Stays current on industry advances, system administration guidelines, and regulatory requirements to support operational effectiveness and system stability.
• Identifies system issues, operational inefficiencies, and enhancement opportunities and escalates as appropriate.
• Administers real estate lending systems, business intelligence analytics, third party vendors, and affiliated services to an efficient, scalable, and effective lending environment that supports a modern digital mortgage experience.
• Administers user profiles, security permissions, business rules, workflow progression, regulatory compliance updates, document generation libraries, custom loan documents, and eFolder settings.
• Monitors vendor integrations and interfaces to ensure proper functionality and coordinates issue resolution with vendors, IT, and business partners.
• Supports system upgrades, releases, testing, deployment activities, and end user training by preparing documentation, executing test plans, and validating system functionality.
• Creates, maintains, and distributes recurring and ad-hoc reports that support business needs, decision making, and operational efficiency.
• Monitors reporting accuracy, data integrity, and system-generated outputs to ensure reliability of information.
• Maintains scheduled reporting processes and supports automation activities within real estate lending systems.
• Assists business stakeholders with reporting requests, data validation, and troubleshooting related reporting issues.
• Supports corporate projects involving real estate lending systems, system enhancements, and operational process improvements.
• Assists with gathering business needs, documenting system requirements, executing test plans, and supporting implementation activities.
• Maintains documentation related to system changes, configurations, and procedures.
• Supports compliance with applicable regulations, internal controls, and organizational standards by monitoring system activities, identifying potential issues, and escalating potential risks or concerns to appropriate stakeholders.
• Assists with user acceptance testing, issue resolution, and post-implementation support activities.

Core Competencies

• Member Focus: Asks impactful questions and uses active listening skills to analyze situations and gain an understanding of business needs in order to deliver end user-focused lending processes in support of delivering the desired member experience.
• Action Oriented: Willingly takes on new opportunities and tough challenges with a sense of urgency and enthusiasm; holds self-accountable to meet commitments. Ability to prioritize multiple responsibilities and projects with short deadlines.
• Optimizes Work Processes: Uses an end-to-end view (application to payoff) to analyze processes from a big picture perspective. Applies critical thinking and analytical skills to continuously focus on process improvement and problem solving by uncovering root causes, identifying, and implementing effective and efficient processes to achieve business objectives.
• Collaborates: Builds partnerships and works collaboratively with others to meet shared objectives.
• Communicates Effectively: Effectively communicates business solution concepts to technical and non-technical audiences of all levels and develops specifications that the technical team can understand and implement.
• Instills Trust: Gains confidence of others by modeling honesty, integrity, authenticity, and behaviors that align with organizational values. Exemplifies courage by stepping up to address difficult issues.
• Self-Development: Actively seeks new ways to grow and be challenged using formal and informal development channels and experimentation when tackling new problems.
• Situational Adaptability: Remains focused and composed in stressful situations and adapts approach to match the shifting demands of different situations.

Requirements

• Associates degree in Business Administration, Computer Science, or related field preferred.
• 3 years of real estate lending end-to-end analysis experience, including:
  • Requirements gathering and documentation
  • Data analytics and planning
  • Systems coordination and process improvements
• Certification in Encompass Administration, ICE Developer Connect Certification preferred.
• Experience using Encompass and its interfaces, VB.net, C#, FICS Mortgage Servicer, Symitar, MS Visio, MS Excel, or SQL preferred.
• Strong knowledge of Encompass functionality and ability to coach end-users on how to utilize it effectively.
• Experience in configuration of all areas of Encompass settings including personas, user groups, eFolder, loan templates, reports, input form builder and all types of business rules.
• Strong understanding of loan lifecycle.

Working Conditions

• Office and branch location environment with little discomfort from noise, extreme temperature, dust, or other factors.
• Occasionally required to travel throughout MSGCU's service area as business needs require.
• Exposed to potentially hazardous conditions, such as robbery. Receives detailed instructions and security procedures on an annual basis to minimize risk.
• This work involves sitting most of the time with brief periods of walking or standing and may occasionally require lifting and/or moving up to 10 pounds.

Pay

Base salary starts at $72,000 / year.

Benefits

• Medical, dental and vision coverage starting on your first day.
• Option to choose the most generous Health Savings Account (HSA)-eligible medical plan with no monthly premium for you (and your family).
• 3% contribution from MSGCU to your 401(k) if you are at least 21 years old, plus a 100% match for the next 7% you contribute.
• 12 paid holidays and up to 120 hours of PTO your first year of service (pro-rated based on start date).
• Discounts on loans and phone service.