Address
Form of workPRIMARY OBJECTIVE OF POSITION
Educate, advise and guide potential borrowers about the home loan journey including the analysis of credit, collection and review of income documentation and solution fit with their financial needs. Identify, develop and maintain a quality network of business relationships that serves as a recurring source of referrals for new home loan opportunities.
- Provide a consultative sales approach to uncover our members financial needs and goals by proactively identifying financial needs and matching them with home loan solutions.
- Develop and maintain successful business referral sources including existing and prospective Navy Army CCU members, Realtors, Builders, Business Partners that serve as a recurring source of referrals for new home loan opportunities.
- Maintain excellence in delivering customer service and exceeding the credit union and department service standards.
- Collect required supporting loan documentation.
- Analyze credit and financial data.
- Prepare and present proposed loan structure to Mortgage Loan underwriter.
- Assist processor, Mortgage Loan underwriter and loan administration to ensure all loan conditions are satisfied.
- Keep member informed throughout loan process and assist with closing procedures.
- Ensure the protection of the credit unions interest in matters of adequate documentation and adherence to policies and the various laws and regulations that apply.
- Promote a teamwork attitude to ensure all credit union goals and objectives are achieved.
- Ensure the protection of the credit unions interest in matters of adequate documentation and adherence to policies and the various laws and regulations that apply.
- Attend all required lending training.
- Assist staff with mortgage servicing and collection efforts.
- Offer and cross sell all credit union services and products.
- All other duties assigned.
RELATIONSHIPS AND CONTACTS
Supervise Employees: No
Reports to: Assistant Manager of Mortgage Sales
EDUCATION
- High School Diploma
EXPERIENCE
- 5 years experience in assessing customer financial needs in a high-volume sales or service goal driven environment
- One (1) year mortgage/real estate processing, servicing or origination required
- Bilingual ability preferred.
PHYSICAL REQUIREMENTS
- Ability to work in a fast paced, fluid environment and be held to minimum production standards. Candidate must be able to sit for long periods of time.
- The position involves wrist/hand/fingers manipulation; movement is inherent in the job as well as restriction to workspace for prolonged periods.
- Vision abilities required by this job include close vision for frequent viewing of computer monitor and review of documents.
- Must have a valid drivers license, and the ability to drive a vehicle for business related purposes.
- Must have the ability to communicate verbally with staff and members.
MENTAL REQUIREMENTS
- Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team.
- Must be able to read and carry out various written instructions and follow oral instructions.
- Must be able to speak clearly and deliver information in a logical and understandable sequence.
- Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public.
Candidate is subject to initial and subsequent reviews and assessments of registry requirements through NMLS (Nationwide Mortgage Licensing System) as well as a review of their criminal background, credit report and NMLSR (Registry).
confidential matters.
EQUIPMENT SKILLS
Strong computer skills; proficient in Microsoft Word, Excel and Outlook.
The above statements reflect the general details considered necessary to decide the principal functions of the job identified and shall not be construed as detailed description of all work requirements that may be inherent in the job.
