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 

Bachelor's 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 Driver’s License