Job Description:
*Remote work from home may be consider after six months on the job
Dominate in service by maintaining working knowledge of mortgage loan
products and programs, services, organizational policies and
procedures. Interviews applicants and requests specified information
for mortgage loan application to match mortgage products to applicant.
Analyzes applicant financial status, including credit, income and
assets, as well as preliminary property evaluation to determine
feasibility of granting loan. Recommends approval/denial of customer
applications for conventional residential mortgage, Portfolio First
mortgage, FHA/VA and Home Equity loans.
Individual must be highly motivated and self-driven. This position
may be used a platform to train an individual that exhibits skills and
attributes to be a mortgage loan officer. This position is a
non-exempt 40 hour week position. Overtime including evenings and
weekends may be required. Remote/Work from home may be consider after
six months.
- Take incoming leads from inbound calls and online applications,
including Achieva to Achieva re-finances, lot loans, home equity
loans, First Mortgage Conventional and Non- Conventional, Agency and
Portfolio loans; Purchase and re-finances request.
- Interview applicants. Provide counseling for best loan product for
re-finance or purchase.
- Pre-approve potential homebuyers.
- Evaluate re-finance applications.
- Take complete and accurate applications collect supporting
documentation to validate data. Enters all information into LOS
system and appropriate AUS system.
- Monitor member interaction from application to closing.
- Assist processor, closer and underwriter in obtaining information
and documentation.
- Review Membership requirements with applicants. Coordinate
membership as applicable. Cross sale Achieva products and services.
- Maintain required time lines for compliance regulations and
departmental timeframes.
- Provide professional and efficient operation of the credit union’s
mortgage services to members.
- Establish and maintain client relationships front line staff and
other business units, including wealth advisors.
- Conduct residential updates with assigned branches on a monthly
basis regarding changes in product, rates, and procedures.
- Maintain an average of $500,001.00 in residential loans or minimum
of 10 units per month. Quarterly closed loan production will be
reviewed to assure the minimum production is being maintained.
- Maintain pipeline; follow up on leads.
- Keep informed of trends and developments in the local real estate
market and competitive environment, as well as changes in guidelines
and regulations.
- Responsible for upholding all credit union ethical standards.
- Represents the credit union in a courteous and professional manner.
- Perform other essential job functions as required or assigned.