Home Equity Specialist

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

Benefits offered by this job

Medical insurance

HRA

Dental and vision insurance

Life insurance

401(k) match

Paid time off

Job summary

Maine State CU is seeking a Home Equity Specialist in Augusta to originate and manage home equity loan applications from start to finish. You will build strong relationships with members and referral sources while advising on lending options and cross-selling opportunities.

The role requires 1-3 years in mortgage or consumer lending, solid understanding of lending regulations, and the ability to obtain/maintain MLO (NMLS) registration. Competitive hourly pay and benefits accompany this position.

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

Relationship building

Sales skills

Communication

Job description

Maine State CU is hiring a Home Equity Specialist in Augusta.

Overview

• Salary Range: $24.00 – $30.00 hourly

Description

Are you passionate about helping people achieve their financial goals? Do you thrive in a relationship-driven environment where you can make a meaningful impact every day? We are looking for aHome Equity Specialistwho combines lending expertise with exceptional member service to guide members through the home equity lending process from application to approval.

In this role, you will serve as a trusted advisor, helping members access the value of their homes while identifying solutions that support their broader financial needs. If you’re a motivated lending professional with strong relationship-building skills and a passion for delivering outstanding service, we’d love to hear from you.

What You’ll Do:

• 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.

Qualifications

What You’ll Bring:

• 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.

The pay range for this position is $24/hour to $30/hour based on experience.

Benefits of Employment with Maine State CU

In addition to our world-class culture, a fun and supportive work environment and opportunities to learn and grow, our employees appreciate the work-life harmony they are able to achieve as part of our team.

We are also proud of the benefits we offer:

• Employer-subsidized medical insurance plans, includes one plan with employer paid premiums of 97%
• Employer-funded HRA
• Employer-subsidized dental and vision insurance
• 100% employer-paid life, short-term disability, and long-term disability insurance
• Competitive wages, and annual evaluations with compensation adjustments
• Generous 401(k) employer match, plus annual discretionary contribution
• Generous PTO with immediate PTO accruals + 8 hours of birthday PTO & 12 paid holiday
• Education reimbursement – up to $5,000 annually for undergraduate
• Opportunities to volunteer in our local communities
• 100% Employer-paid EAP, which includes 6 free mental health sessions