Take a leap and join our team!

At Gesa, we believe in the power of our people. Coming from all walks of life, our team members’ individual stories and unique experiences are our most valuable asset. But it’s how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together.

Here you can join a team who is passionate about serving others, has a desire to do good, and shares a deep love of people. You can engage in meaningful work that impacts your community. You can challenge yourself and grow in your career. And, you can rest assured that your wellbeing and prosperity are our priority.

Get to know us: About - Gesa Credit Union

Role Summary:

Under the direction of the AVP of Home Loan Operations, the Secondary Market/Lock Desk Specialist will ensure that all profitability expectations established by Finance are met and fully executed. This team member will proactively identify trends in pricing and profitability and communicate to appropriate business partner to address and resolve. This role will also be responsible for monitoring and processing all lock-related requests including all steps from the initial rate lock through selling of the loan file to the secondary market.

What You Will Be Doing:

1. Identify and monitor all loans held for sale; provide senior management with detailed reports on an on-going basis.
2. Execute loan commitments in alignment with the established strategies and objectives, optimizing profitability while managing risks associated with the secondary market activities.
3. Assist in the packaging and timely delivery of loans consistent with requirements of investors. (FNMA, FMCC, FHA, and VA).
4. Learn and develop an expertise in all aspects of the product and pricing system. Provide back-up support to the VP of Home Loans as needed.
5. Work closely with internal teams such as underwriting, processing and closing to coordinate secondary market transactions and ensure alignment with overall business objectives.
6. Stay informed about industry trends, new mortgage products, and emerging technologies to adapt and improve secondary market strategies.
7. Produce/maintain daily rate sheets accurately meeting management expectations. Upload rates to Loan Origination System and long-term storage by 9:00 am daily. Work with third party vendor when issues arise with rate sheet through to solution.
8. Monitor Lock Desk queue for lock requests, lock extensions, re-locks, and re-pricing of loans in Loan Origination System as requested. Work with appropriate team member to ensure pricing calculations are accurate.
9. Work with loan officers and operations team to extend locks as needed.
10. Lock and extend loans on investor websites by required deadlines to prevent loss of margin due to intraday market movements.
11. Manage the locked loan pipeline and provide daily updates to management including lock expirations, and loan status.
12. Provide pricing scenarios to mortgage loan officers and operations team members.
13. Stay abreast of regulatory changes ensuring compliance with regulatory requirements and internal policies.
14. Maintain awareness of policies and regulations related to duties and responsibilities.
15. Attend credit union trainings, conferences, or seminars as approved by management.
16. Display mutual respect, trust, and dignity, while acting in the best interest of the credit union following all policies and procedures as expected by management. Lead by example by always displaying solid ethics and integrity.
17. Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism.
18. Willingly perform other job-related projects and duties as assigned, self-initiating assistance to team members when appropriate.

About You:

1. Strong analytical and problem-solving skills
2. Highly organized and detail oriented
3. Ability to work in a fast-paced, deadline-driven environment
4. Ability to exercise independent judgment
5. Strong ability to work independently
6. Ability to meet deadlines while managing multiple tasks simultaneously
7. Consistently display interpersonal skills to relate effectively and professionally to peers and all levels of management
8. Ability to promote and participate in a cohesive team environment
9. Ability to effectively communicate ideas and information, both orally and in writing

What You Will Need:

1. Bachelor’s Degree is preferred but may be substituted with 3 years of relevant work experience in a similar or related role.
2. Mortgage industry experience required: Secondary Marketing/Lock Desk experience preferred, but related roles such origination or processing are also acceptable.
3. Knowledge of executing commitments, packaging and delivering to secondary markets preferred.
4. Some travel is required to complete credit union training and/or fulfill duties.
5. Display courtesy, tact, and diplomacy with current and potential members, peers, and staff.
6. Proficient with standard office equipment Excel, Word, and Outlook.

Our Team Member Value Proposition:

In exchange for bringing your talent to Gesa, here are a just a few of the benefits and perks we offer:

• Competitive Pay
• Medical, Dental, Vision, and Life Insurance
• 20 days/year of Paid Time Off – Plus 10 Paid Holidays!
• 401(k) Match
• Incentive Program
• Tuition Assistance and Student Loan Repayment
• Commuter Benefits
• Paid Time Off to Volunteer in the Community
• Product discounts
• Engaging Work Environment
• Rewards and Recognition Programs

Salary Range:

$32.76 - $49.14

Get wise to what’s possible with a career at Gesa. Join us!

We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact the HR Department at (509) 378-3100 or hrmail@gesa.com to request an accommodation.

Gesa Credit Union reserves the right to revise or change the job description as the need arises. This job description is not all inclusive of total job responsibilities nor does it constitute a written or implied contract of employment.

Selected candidate(s) must be able to pass a pre-employment credit/background check.

Gesa Credit Union is an Equal Opportunity Employer and strong advocate of workforce diversity. Race/Color/Gender/Sexual Orientation/Gender Identity/Religion/National Origin/Disability/Veteran.

Equal Employment Opportunity (gesa.com)