Home Equity Lending Advisor

Maine State Credit Union; Augusta, Northern (ME, KY); Hybrid; USD 33,000 - 41,000; Full time

Benefits offered by this job

Medical insurance

HSA

Dental insurance

Vision insurance

Life insurance

Short-term disability

Long-term disability

401(k) match

Paid time off

Birthday PTO

Holiday pay

Education reimbursement

Volunteer opportunities

EAP

Wellness reimbursement

Job summary

Maine State Credit Union is seeking a Home Equity Specialist in Augusta, ME to guide members through home equity lending from application to approval. You will build strong member relationships, analyze credit, and educate clients on loan options while ensuring compliance with lending regulations.

The role emphasizes relationship-building, cross-selling opportunities, and collaboration with mortgage teams to deliver a seamless lending experience. 1–3 years of lending experience preferred.

Qualifications

• 1-3 years of mortgage, home equity, or consumer lending experience.
• Strong knowledge of lending regulations, including SAFE Act, ECOA, FCRA, TRID, ATR, QM, and Reg Z.
• Excellent communication, relationship-building, and sales skills.
• Experience with underwriting and credit analysis preferred.
• Ability to obtain and maintain Mortgage Loan Originator (NMLS) registration.

Responsibilities

• Originate and manage home equity loan applications from start to finish.
• Build relationships with members, prospects, and referral sources.
• Analyze and underwrite loans within approved lending authority.
• Educate members on lending options, credit, and financial solutions.
• Identify opportunities to cross-sell loans, deposit products, and digital banking services.
• Partner with mortgage, processing, and title teams to ensure a smooth lending experience.
• Maintain compliance with all applicable lending regulations and policies.

Skills

Mortgage lending

Home equity

Regulatory knowledge

Communication

Sales skills

Underwriting experience

Job description

Maine State Credit Union is seeking a Home Equity Specialist in Augusta, ME to guide members through home equity lending from application to approval. You will build strong member relationships, analyze credit, and educate clients on loan options while ensuring compliance with lending regulations.

The role emphasizes relationship-building, cross-selling opportunities, and collaboration with mortgage teams to deliver a seamless lending experience. 1–3 years of lending experience preferred.