• Mortgage Assistant - Nairobi

    Location KE-Nairobi
    Category
    Operations
  • Overview

    Responsible for the origination, processing and closing of Nairobi mortgage applications and compliance with applicable Federal, State, Kenyan and NCUA rules, regulations and laws. This includes requesting all supporting documentation and working with Consumer Lending staff, attorneys, appraisers, and lien perfection authorities to ensure a closing in a timely manner, while upholding UNFCU’s commitment to quality member service. Represents UNFCU in a positive and professional manner. Also provides clerical and administrative support to the department.

    Responsibilities

    The duties listed are intended as illustrations of the various types of work that may be performed. The omission of specific statements of duties does not exclude them from the position if the work is similar, related or a logical assignment.

    • Interview applicant(s) for mortgage business to determine qualifications and appropriate product(s); explore all possible alternatives and make appropriate recommendations for products and services for the member/applicant; establish and maintain relationships with potential applicants and promote/solicit mortgage business; provide mortgage product education to membership.
    • Process new mortgage applications and enter information into all applicable systems. Request all additional documents (title reports, lien searches, payoff letters, appraisals, credit reference reports, et al). Requires daily member contact and constant system updates along with interaction with vendors to request documentation. Manage the time and cost of the application process. Communicate/inform members of the status of their applications as requested, via telephone or written communications. Follow-up with the Consumer Lending Department to ensure the timely closing of the mortgage. Inform members of the status of their files in accordance with UNFCU’s guidelines for frequency and timeliness.
    • Monitor status reports from attorneys, title companies and appraisers.
    • Participate in Business Development activities to educate membership and promote Nairobi mortgage operations. Identify opportunities to cross-sell other credit union products or services. Initiate referrals to the Investment/Insurance Centre.
    • In collaboration with the Consumer Lending Department, schedule, coordinate, and prepare documents for closings.
    • Maintain diary system for insurance, rates and rent receipts, and valuation reports.

     OTHER DUTIES:

      • Utilize the UNFCU sales and service model to provide a memorable member experience at each and every touch point.
      • Utilize the UNFCU sales and service model to deepen connections with members to better understand their needs by asking effective questions and building relationships.
      • Utilize the UNFCU sales and service model to become a trusted advisor to members by presenting the features and benefits of UNFCU’s products and services that will best satisfy their current and future needs.
      • Investigate member account/loan issues, determine action necessary to resolve the issue, and ensure that this action is taken in a timely fashion. Follow up to ensure that the issue is corrected, and keep members informed of the status of their issues.
      • Complete sales tracking forms in accordance with procedures.
      • Keep abreast of changing/new regulations, UNFCU products, procedures and technology.
      • Verify eligibility of prospective members
      • Perform maintenance activities on accounts and memberships in accordance with compliance regulations.
      • Respond to member telephone inquiries and requests. Prepare responses to member correspondence in accordance with UNFCU’s Corporate Communication Guidelines.
      • Maintain confidentiality of all member account information.
      • Participate in Credit Union training programs.
      • Perform any other functions as requested by Supervisor/Management.

    Qualifications

    TYPE & AMOUNT OF EXPERIENCE:

    • University degree or equivalent experience
    • 2-3 years of experience interviewing, originating, processing and/or closing mortgage loans in Kenya
    • Familiarity with required local regulations, mortgage documents and related processes

     

    TECHNICAL COMPETENCIES:

    • Computer proficiency and ability to utilize relevant software and applications
    • Strong MS Office skills
    • Mathematical aptitude and analytical skills

     

    BEHAVIORAL COMPETENCIES:

    • Willingness to work flexible hours and in a team environment
    • Professional manner and appearance
    • Excellent oral and written communication skills; strong organizational and sales/service skills
    • Attention to detail

     

    WORK ENVIRONMENT/CONDITIONS:

    • Standard office conditions

     

    In addition to any specific job requirements in connection with Bank Secrecy Act and/or OFAC (BSA), employee must (i) be aware of BSA matters commensurate with the position; (ii) report any suspicious activity to the manager or compliance department; and (iii) satisfactorily complete any required BSA training.

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