Real Estate Lending Specialist

Job Description

Job Description

Description:

Would you like to join a growing, member-owned, not-for-profit financial institution that is one of the Best of the Best in Monmouth, Ocean & Middlesex County per the Community Choice Awards? We have refreshed our brand, and our CEO and Leadership Team are focused on the well-being of our staff and the enrichment of the work environment! If this appeals to you and you would like to be part of a "Winning Team", then please consider applying for the Real Estate Lending Specialist Full-Time position at First Atlantic Federal Credit Union.

Who we are:

Around here we do things differently. Maybe it's the ocean breeze. Or the music. Or the fact that we've been a part of the landscape for over 90 years. Around here we put our members first. Always have and always will. At First Atlantic, local is more than a saying. It's knowing that when our community thrives, we all thrive. Our continued mission is to support our members and deliver the best value in financial services. It's where trust and tradition meet innovation and versatility, and the community is paramount.

First Atlantic is headquartered in Eatontown, New Jersey, with branches in Eatontown, Oceanport, and Toms River, with two new branches opening in the Summer of 2026 in Freehold and Old Bridge. Anyone who lives, works, worships, volunteers, or attends school in Middlesex, Monmouth or Ocean counties is eligible to join. Family members of a First Atlantic member can also belong.

What we are looking for:

We are seeking an ONSITE Real Estate Lending Specialist Full Time to assist First Atlantic Federal Credit Union to live out our Mission and Vision by working directly with the Lending Manager to provide the best value financial services to members by providing outstanding service to both external and internal members.

Job Summary

The primary purpose of this position is to provide quality member loan products, examine, evaluate, and authorize or recommend approval of member applications for loans by performing the following duties. Assists members with their needs, analyzes loan requests and makes credit decisions based on the credit union's lending policy.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

Must be able to analyze / underwrite / cash flow mortgage loans by analyzing each loan file, appraisal(s), application, preliminary title report and verifications.

Understand loan program criteria and ensure loan decisions are accurately documented.

Review loan files for completeness and identify any missing documentation or potential problems.

Reviews applications and all pertinent disclosures to ensure compliance with all Federal, State, investor requirements and Credit Union policies are met and upheld.

Cross trains other team members, when applicable.

Providing excellent member service and ensuring the member relationship is maintained at the highest possible level.

Pre-qualify members by determining loan limits.

Perform post closing reviews on all loan files.

Ensure accuracy of changing rates and maturity dates.

Manage and maintain all escrow accounts to ensure payments are made timely.

Eligible to register with the SAFE Act.