Mortgage Loan Consultant - External(AZ,CA,WY)

Position Overview

This position is responsible for providing a high level of member service in the origination of residential first and second mortgages via telephone inquiries, walk-ins, and referrals from branches, employees, realtors and builders. It adds value to the organization by increasing the Credit Union’s portfolio assets and loans for sale in the secondary market.

Key Responsibilities

• Originates mortgage loans – takes mortgage applications by phone or in person, meets monthly origination and closing goals, actively solicits mortgage lending business, demonstrates knowledge of Fannie Mae/Freddie Mac underwriting and private mortgage insurance guidelines, recommends loan products based on various rate/point scenarios, and understands all aspects of mortgage loan origination including product, underwriting, compliance, and documentation requirements while developing external relationships with members, realtors, and other business partners.
• Responds to member inquiries by providing consultative services and explaining various mortgage products to meet member needs.
• Initiates member rate lock requests to the secondary marketing representative, determines timing of loan delivery to the secondary market, and understands the correlation between loan sales and the organization’s bottom line.
• Originates, conducts, and participates in mortgage-related promotional events, activities, and educational seminars.
• Manages an individual mortgage loan pipeline, ensuring the pipeline is built and maintained until loan closure to consistently achieve minimum production volume.
• Provides desk support for Call Center incoming calls by responding to member inquiries, quoting rates, and taking member applications.
• Collaborates continuously with loan processors and underwriters to obtain required documentation, ensuring an exceptional member experience and promoting communication and teamwork.
• Cross-sells other Credit Union products.
• Supports and participates in continuous improvement activities.
• Represents the Credit Union in a positive and professional manner.
• Performs other related duties as assigned.
• Maintains member and other sensitive information with confidentiality.
• Treats all co-workers and members with respect.

Required Qualifications

• Minimum two years of mortgage loan officer experience.
• Thorough knowledge of the entire mortgage process from origination to end servicing.
• Solid understanding of rules, laws, and regulations pertaining to financial institutions, specifically credit unions, including mortgage lending requirements.
• Strong knowledge and understanding of Nuvision products and services.
• Excellent sales and counseling skills with strong communication and interpersonal abilities for engaging with members and referral sources.
• Active listener with a demonstrated ability to generate needs-based solutions.
• Professional and member-centric representation of the Credit Union.
• NMLS Registration Required.
• Education: High school diploma or GED plus college-level coursework in related business classes.

Benefits & Perks

• Medical
• Dental
• Vision
• Life Insurance
• Flexible Spending Account
• 401(k) Matching
• Paid Time Off
• Training Provided
• Tuition Reimbursement

Covid-19 Precaution(s)

• Remote Interview Process (some positions vary).
• Social Distancing and Mask Guidelines in place.