Home Loan Specialist (Virginia Avenue)

About the role

A Home Loan Specialist at Delta Community Credit Union is responsible for originating first and second mortgage loans, interviewing prospective applicants, and selling mortgage products. The position requires a thorough understanding of federal regulations and extensive knowledge of mortgage lending products.

Responsibilities

• Originating first and second mortgages from application through closing using various automated systems
• Interviewing prospective applicants by telephone or in person
• Collecting and assembling pertinent documentation for the loan file
• Maintaining loan progress and analyzing market trends, credit quality, interest rates, and economic conditions
• Selling mortgage products and developing relationships with members, real estate agents, and attorneys

Requirements

• High School diploma or equivalent
• 3+ years’ experience in the mortgage lending industry
• Thorough knowledge of federal regulations including TRID, RESPA, HMDA, ECOA, FCRA, FDPA, and Reg Z
• Extensive knowledge of mortgage lending products and underwriting guidelines such as FNMA, jumbo, and home equity
• Experience or aptitude to sell directly to members or solicit members indirectly through third parties such as realtors and builders/developers
• Ability to work independently in a high-pressure, fast-paced environment
• Excellent communication skills, both oral and written
• Proficiency in MS Word, MS Excel, and Outlook, mortgage origination systems, and automated underwriting systems

Qualifications

• Must be legally authorized to work in the United States without employer sponsorship
• Bachelor’s degree in business or related field preferred

Skills

• Strong analytical and sales skills
• Effective communication and problem-solving abilities
• Proficiency in mortgage origination systems and automated underwriting tools

Benefits

• Medical, Dental, and Vision Coverage
• Life and Accidental Death & Dismemberment Insurance
• Long Term Disability
• Employee Assistance Program and MyAdvocate
• 401(k) Plan with Company Match
• Vacation, Holidays, and Personal Time Off
• Paid Maternity and Paternity Leave
• Pre-tax Health and Dependent Care Spending Accounts
• Benefit Choice Program
• Health Reward Dollars
• Discount on Gym Reimbursement and Identity Theft Programs
• Legal Services