RE Processing Lead

Real Estate Processing Lead

The Real Estate Processing Lead assists in supporting overall day-to-day operations of the Home Equity Processing, Closing, and Post Closing functions. They are involved in operational workflow management, process improvement initiatives, reporting analysis, vendor coordination, and resolution of complex operational and system-related issues. They serve as a subject matter expert across all Home Equity operational areas and assist with operational efficiency, service level adherence, workflow balancing, and identification of process improvement opportunities. They work closely with internal business partners, vendors, and operational teams to ensure accurate, timely and efficient loan processing from application through post-closing. This role will assist with research, implementation planning, testing, reporting and operational support initiatives while helping ensure processes, reporting, funding, booking and post-closing activities are completed accurately and within established service levels. This position may provide operational guidance, training support and technical assistance to team members but is not directly responsible for employee performance management or coaching responsibilities assigned to leadership.

Reports to: Supervisor - RE Processing

Supervisory or Managerial Responsibility: None

Contacts: Internal staff, managers, auditors, examiners, vendors; limited member contact.

Minimum Qualifications

Education: Bachelor's degree preferred

Work Experience: 4 years of advanced experience Home Equity or real estate lending preferred. Prior lead or operational oversight preferred.

Special Training, Certification or Licensure - Knowledge of real estate lending, loan operating systems, HMDA, and DNA.

Work Environment and Conditions: Office environment.

Essential Responsibilities:

• Demonstrates Bellco's Act Nice Behaviors and Core Values in all interactions with members, prospective members, and personnel in other Bellco departments.
• Serves as a subject matter expert across Home Equity Processing, Closing, and Post Closing operations.
• Assists with daily operational workflow management to support established service level agreements and operational goals.
• Identifies, researches, and assists in resolving operational, process, system, and vendor-related escalations.
• Reviews operational reports, dashboards, queues, and pipelines to identify risks, delays, trends, and areas of opportunity.
• Assists leadership with implementation of process improvements, workflow efficiencies, operational initiatives, and system enhancement, including maintaining operational procedures and process documentation.
• Coordinates and collaborates with Processing, Closing, Post Closing, Funding, Underwriting, and other business areas to support operational effectiveness.
• Assists with vendor communication and issue resolution involving title companies, settlement agents, and third-party partners.
• Supports operational testing, reporting initiatives, system updates, and implementation activities.
• Provides operational guidance and technical support to team members related to workflow processes, systems, and operational questions.
• Supports quality control efforts through operational reviews, research, reporting, and issue resolution.
• Assists in ensuring compliance with regulatory and agency requirements including RESPA, HMDA, Homeowner's Protection Act, SCRA, CFPB, and Fair Credit Legislation.
• Communicates effectively with internal and external business partners regarding operational issues, workflow coordination, and member service matters to deliver best-in-class member experience.
• Performs other related duties as assigned by management.

Skills: Knowledge of Home Equity operational workflows and loan lifecycle processes. Ability to multi-task and prioritize in a fast-paced operational environment. Strong collaboration skills with internal departments and external business partners. Highly organized with strong attention to detail and execution.

Core Responsibilities:

• Be available to work as scheduled and report to work on time.
• Be willing to accept supervision and work well with others.
• Comply with all organizational policies, the Employee Handbook, Code of Conduct, and required annual training.
• Foster an inclusive workplace where diversity and individual differences are valued and leveraged to achieve the vision and mission of the organization.
• Adhere to safe working practices and always follows all organizational safety policies and procedures.
• Demonstrate compliance with all state, federal and all other regulatory agency requirements.
• Ensure strict confidentiality of all records and PII.

Core Values:

BE ETHICAL AND DEMONSTRATE INTEGRITY: Treat others with respect, dignity and "tough love." It's about character and influence, not about a title. Be honest and direct. Challenge ourselves and each other to reach our full potential.

BE ACCOUNTABLE: Lead by example. You are the reflection of how you show up. Set realistic expectations. Make good business decisions. Meet commitments. Learn from mistakes.

EMBRACE CHANGE: Develop the individual, improve the team, grow the institution. Encourage and reward creative solutions. Ask impactful organizational questions. Identify the problem to be solved and the desired outcome. Engage others. Believe in what's possible.

APPRECIATE THE MEMBER: Achieve and retain trusted, valued relationships with members. Listen and identify needs. Prioritize the member experience. Maintain a high level of member satisfaction. Serve the member with pride.

ACHIEVE SUCCESS TOGETHER: Strive for Flawless Execution. Not for the sake of numbers, but for a sense of pride in a job well done. Success favors the prepared. Consistently plan, coach and grow to master our roles. Celebrate our success.

Act Nice Behaviors:

Accept mutual accountability when things go wrong

Acknowledge others' efforts and thank them

Avoid jumping to conclusions

Be honest, direct, and civil with no hidden agendas

Communicate with others face to face whenever possible

Empathize with others by putting yourself in their shoes

Establish and build relationships into trusted partnerships

Forget the past and avoid holding grudges

Hear individuals out by actively listening to them

Protect and build up each other's self-esteem

Recognize and reinforce others' positive actions

Respect each other's priorities and personal space

Bellco Credit Union provides a comprehensive benefits package to all regular, full time and part time employees, including: Medical, Dental, Vision, 401 (k) with company match, Supplemental Life Insurance, Paid Vacation, Paid Sick Days, and Paid Holidays. In addition to base compensation, Bellco Credit Union offers bonuses for the following roles: Non-exempt branch roles may earn monthly bonuses for meeting production goals and quarterly bonuses for meeting team goals. Exempt branch roles may earn quarterly bonuses for production and team goals. Exempt non-branch management roles may be eligible for an annual managerial bonus. Non-branch non-management roles may be eligible for on-the-spot bonuses for extraordinary performance.