Full-Time
Mortgage Loan Specialist
Posted on 5/9/2026
State Employees' Credit Union (SECU)
1,001-5,000 employees
Not-for-profit financial cooperative for state employees
No salary listed
Wilmington, NC, USA
In Person
 Real Estate (2) |
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- Must have high school diploma or GED equivalent.
- Successful completion of Real Estate Lending (RELP) courses and subsequent exam is required before moving to this role.
- Has demonstrated proficiency in all aspects of the Associate Mortgage Loan Specialist role.
- Minimum of 2 years’ mortgage lending experience strongly preferred.
- Minimum tier 2 lending limits assigned.
- Demonstrated proficiency at current lending approval authority.
- Must possess the highest level of integrity and objectivity.
- Must possess excellent communication skills, both verbal and written.
- Must be able to communicate with SECU personnel, VPs, SVPs, attorneys, members, appraisers, realtors, etc.
- Must have strong networking and relationship development skills.
- Meets compliance and regulatory standards.
- Makes lending decisions consistent with SECU loan policies.
- Has or is eligible to be registered as an active Mortgage Loan Originator with the Nationwide Multistate Licensing System (NMLS).
- Must be organized and meticulous.
- Must be willing to engage in ongoing training and professional development.
- Must have basic computer skills with an ability to learn more complex software for processing of applications and completing loan servicing.
- Has completed all required quarterly training courses & other training assigned by management.
- Consistently demonstrates SECU’s Core Values.
- Must be able to speak and write English fluently.
- Must understand and be dedicated to the Credit Union philosophy and work ethic.
- Must adhere to the work schedule and attendance policies established by the Credit Union.
- Must complete the Credit Union’s Core Module Program within 12 months of hire date as a condition of employment.
- Preferred – bachelor’s degree, or CCUE Certification, or Associate of Arts degree or Associate of Science degree via the North Carolina Community College Transfer Program (NC-CTP).
- State Employees' Credit Union reserves the right to fill this role at a higher/lower level based on business need.
- Receive and assist in the completion of real estate loan applications, while serving as the primary point of contact for applicants during the origination process.
- Independently assess and underwrite real estate loan applications including but not limited to applicant(s) credit worthiness, ability to repay, collateral valuation, and organizational risk with the ability/authority to extend credit or deny for real estate loan products within assigned tiered approval lending limits.
- Communicate approval or denial decisions to members in a clear and professional manner.
- Evaluate and verify income documentation, including personal and business tax returns, to make informed approval or denial decisions.
- Counsel potential home buyers and existing homeowners, while taking complete and accurate real estate loan related applications and obtaining required documentation to facilitate initial loan approval with assistance when needed.
- Seek guidance for complex lending situations and approval authority from a Sr MLS or above.
- Proactively stay updated on market trends, interest rates, and changes in lending policies and regulations to provide members with accurate and timely information.
- Assist membership with servicing of existing mortgage and home equity loans.
- Collaborate with RELO VP/SVP on training and loan approvals.
- Follow up with prequalified applicants and on other leads in a timely and effective manner.
- Price and disclose loan applications by determining the interest rates and fees associated with a loan, based on factors such as borrower's creditworthiness, loan amount, term, and market conditions.
- Coordinate member engagement with the Real Estate Lending Processing Center within Loan Administration and assist members with real estate loan closings.
- Maintain a comprehensive knowledge of all real estate lending products, policies, procedures, and regulatory compliance.
- Educate members on available services and make referrals for other Credit Union products and services based on their needs.
- Ensure well documented, easy to review loan application history notes within the Loan Origination System.
- Work with Lending Contact Center to provide assistance with mortgage lending calls when needed.
- Support branch employees with all real estate related needs and ensuring employees have the information needed to be comfortable referring all potential applicants to discuss mortgage lending opportunities.
- Work various contact and follow-up reports to cultivate member engagement throughout the home buying process and make SECU their lender of choice.
- Assist as needed with community engagement by meeting with realtors and other third parties as well as attending community events to build and maintain mortgage loan volume.
- Work with lending contact center to provide assistance with mortgage lending calls when needed.
- Consumer unsecured lending as assigned.
- Answer phone and perform other clerical duties as needed.
- Complete additional tasks assigned by management.
- Recommendation of VP/SVP and RELO VP/SVP required for advancement to this level.
- Potentially other items not explicitly listed in the posting can be considered desirable but none were provided.
SECU is a not-for-profit, member-owned financial cooperative serving state employees of North Carolina and their families. It offers consumer banking (accounts and loans) and a broad range of financial advisory services, including retirement planning, education planning, tax preparation, insurance, trust and estate planning, and investments through its partners, with 273 branches, 1,100+ ATMs, 24/7 member services, online banking, and a Mobile App. It differs from competitors by being owned by its members and reinvesting earnings to benefit them, while combining a wide branch network with extensive advisory offerings through partner entities. The goal is to help members reach their financial goals and security through affordable, accessible banking, lending, and planning services supported by a large network and partner-backed investments.
Company Size
1,001-5,000
Company Stage
N/A
Total Funding
N/A
Headquarters
Raleigh, North Carolina
Founded
1937
Simplify's Take
What believers are saying
- SECU Foundation's $40,000 grant boosts MHCDC's housing counseling and leadership development.
- SECU collaborates with SEANC for Hurricane Helene recovery donations to state employees.
- SECU sustains four credit unions through collaborative support amid industry mergers.
What critics are saying
- LGFCU separates from SECU, stripping 400,000 members of SECU servicing next year.
- Federal Reserve rule slashes SECU's interchange income by tens of millions annually.
- Navy Federal overtakes SECU's #2 asset ranking via military expansion and digital tools.
What makes State Employees' Credit Union (SECU) unique
- SECU Foundation grants $500,000 to expand Community Crossroads Center shelter in Pitt County.
- SECU partners with South Piedmont College for scholarships and financial literacy workshops.
- SECU Foundation awards $325,000 to Hendersonville Rescue Mission for women's facility.
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SECU partnership helps South Piedmont students stay on track and build financial confidence. Balancing classes, work, and finances is one of the biggest challenges college students face. Thanks to a partnership between South Piedmont Community College and State Employees' Credit Union (SECU), South Piedmont Community College is helping students ease that burden through scholarships, financial education, and resources designed to support success both in college and beyond. Through SECU's support, South Piedmont students have access to scholarships that help cover educational costs and reduce financial stress. The People Helping People Scholarship supports students pursuing associate degrees, while the Bridge to Career Scholarship assists students working toward certificates and workforce credentials. These scholarships help students stay enrolled, focus on their coursework, and move closer to their career goals. "SECU's support truly makes a difference for our students," said Coordinator of Financial Aid Programs Tammi Smith. "Through scholarships like People Helping People and Bridge to Career, students are able to focus on their education instead of worrying about financial obstacles. These opportunities not only help students complete their programs but also set them up for long-term success in their careers and financial futures." In addition to scholarships, SECU partners with South Piedmont to offer financial literacy workshops that give students practical, real-life skills. Topics include budgeting, saving, understanding credit, and planning for the future - tools students can use right now and long after graduation. The partnership also benefits South Piedmont employees, who have access to SECU membership and financial services as part of the College's benefits offerings. By working together, South Piedmont and SECU are helping students build financial confidence, stay on track academically, and prepare for life after college - creating stronger futures for students and their communities.
Empowering growth through partnership: thank you to SECU Foundation. Investing in growth today to create sustainable change tomorrow. Metropolitan Housing & Community Development Corporation (MHCDC) is honored to announce that Metroprop has been awarded a $40,000 Mission Development Grant from the State Employees' Credit Union (SECU) Foundation. This generous award represents more than just funding, it is an investment in its mission, its people, and the communities Metroprop serve. Through the SECU Foundation's Mission Development Grant Program, MHCDC will have the opportunity to strengthen internal capacity, expand its reach, and continue building sustainable pathways toward housing stability and economic empowerment. The SECU Foundation's Mission Development Grant Program is designed to provide capacity building assistance to organizations committed to serving North Carolina communities. The grant supports institutional assessments, leadership coaching, and strategic development in key areas essential for growth and long-term impact. Launched as a pilot initiative in April 2017, the program originally provided up to five grants of $40,000 each over a three-year period. Due to its success and the measurable difference it made for participating nonprofits, the program was expanded in 2019 to include up to ten additional grants, and in 2022, it officially became a fundamental element of the Foundation's ongoing grantmaking. For MHCDC, this award comes at a pivotal moment in its organizational journey. As Metroprop continue expanding its housing counseling, community development, and financial literacy programs, this grant will allow Metroprop to enhance its internal infrastructure, invest in leadership development, and position its organization for long-term sustainability. Metroprop is deeply grateful to the SECU Foundation for its belief in its mission and its commitment to strengthening the nonprofit organizations that serve North Carolina's communities every day. This partnership reflects not only financial support but also a shared vision for lasting impact. A vision that uplifts people, builds stronger systems, and creates opportunities where they are needed most. From all of Metroprop at Metropolitan Housing & Community Development Corporation, thank you to the SECU Foundation for your trust, generosity, and partnership. Your support empowers Metroprop to continue its work with renewed purpose and the resources to make a greater difference for the families and communities Metroprop serve. Together, Metroprop is building stronger systems, stronger leaders, and stronger communities. On Thursday, September 18th and Tuesday, September 23rd, Metropolitan Housing & Community Development Corporation had the privilege of partnering with Beaufort County Community College (BCCC) to bring Financial Literacy and Wellness education directly to GED students. Over two days, Karrissa Sutton, Housing Counseling Program Manager & HUD-Certified Housing Counselor, and Julius Oden, Housing Counselor, led a four-hour class designed to equip students with the knowledge and tools needed to build financial stability and prepare for long-term success. On September 9, 2025, I attended the Re-entry Simulation hosted by Trillium in Martin County. What I thought would be a structured exercise quickly became one of the most eye-opening and impactful experiences I have had in understanding the struggles faced by individuals re-entering society after incarceration. The event began with powerful insights from Judge Regina Parker, Chief District Court Judge for District 2, and Jeron Randall, Reentry Coordinator, who spoke about the systemic challenges justice-involved individuals encounter immediately after release. Their remarks set the tone for the simulation, preparing Metroprop for the weight of the choices Metroprop would soon face. I was handed a packet that represented the life of someone just released. In it, I learned whether I had identification, housing, or education, along with a list of my release obligations such as rent, child support, probation check-ins, and mandatory drug screenings. To make things more difficult, I drew a "wild card" that simulated a learning impairment, making it harder to understand key instructions. Others received cards tied to mental health conditions or addiction recovery, each adding another layer of challenge. From Development to Management - Metropolitan Serves with Purpose.
Four men indicted for alleged fraud scheme against State Employees' Credit Union in North Carolina.
NC Community College System, State Board, and Foundation host prestigious event honoring outstanding students, faculty, staff, and business partnersRALEIGH, N.C., April 7, 2025 /PRNewswire/ -- The North Carolina Community College System, State Board, and Foundation co-hosted the NC Community Colleges Awards Dinner and Celebration on Thursday evening to recognize the very best in academic excellence, teaching innovation, workforce partnership, and student perseverance across the state's 58 colleges
GREENVILLE, N.C., Jan. 09, 2025 (GLOBE NEWSWIRE) -- Community Crossroads Center (CCC) has been awarded a $500,000 challenge grant by SECU Foundation to help expand its campus in Pitt County. The construction of a new Homeless Resource Center and renovation of CCC's current facility will enable the non-profit to increase shelter space and comprehensive services for individuals experiencing homelessness. Established in 1987, CCC provides safe housing, meals, and supportive services to individuals in need. CCC's current space constraints have resulted in long waitlists, hindering the non-profit's ability to provide critical resources amid increased demand for services. SECU Foundation assisted CCC in 2014 with an interest-free construction loan through the North Carolina Housing Finance Agency to build its current shelter