Mortgage Advisor

Mortgage Originations

Develops mortgage origination leads through personal networking with new prospects, current and former clients, membership in trade organizations (i.e. RI and local Boards of Realtors, RI Mortgage Bankers, etc.), and relationships with realtors, settlement agents, builders, developers, etc.

Responds to inquiries from prospective clients regarding all types of residential mortgage and construction loans.

Counsels clients on financing options and gathers necessary information to initiate a loan application.

Prepares complete and accurate loan packages that conform to product eligibility requirements and provides all documentation required by Credit Union policy, procedures, underwriting guidelines, and applicable government regulations including FNMA, FHLMC, and any other applicable investor guidelines.

Maintains effective and timely communication with clients and internal staff regarding application requests, loan status, loan approvals/denials, and any other concerns.

Key Behavioral Competencies

• Organization and Planning
• Active Listening
• Communicativeness
• Influence
• Results Focused

Knowledge and Skills

• Self-motivated, self-starter
• Strong knowledge of residential real estate and construction loans
• Strong time and task management, and prioritization skills
• Strong relationship building skills with both clients and internal staff
• Attention to detail and clear communication with clients and internal staff
• Working knowledge of Encompass mortgage LOS preferred
• Aptitude for process / workflow improvement for efficiency and member / peer experience

ADA Requirements

• Physical Requirements: Perform primarily sedentary work with limited physical exertion and regularly lifting of up to 10 lbs. Must be able to operate routine office equipment. Must be able to routinely perform work on a computer for an average of 6-8 hours per day. Must be able to work additional hours whenever required or requested by management. Must be capable of reliably working a regular schedule and timely response to client and staff needs.
• Working Conditions: Must be able to routinely perform work indoors at Credit Union locations in a climate-controlled, shared work area with moderate noise. Must be able to work / meet with clients away from Credit Union locations – i.e. public or client designated locations (within reason), and maintain adequate transportation.