Home Equity Specialist

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

Job DetailsJob Location: Augusta, ME 04332-5659Salary Range: $24.00 - $30.00 HourlyAre 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 a Home Equity Specialist who 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.

QualificationsWhat 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/hr-30/hr based on experience.

Benefits of Employment with Maine State Credit Union:

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%
• HSA – generous employer contribution
• Employer funded HRA
• Employer-subsidized Dental and Vision Insurance
• 100% employer paid - Life, Short-Term Disability and Long-Term Disability Insurance
• Accident 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 hrs 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
• Wellness Reimbursement of up to $150