Mortgage Originations - Mortgage Loan Consultant - Full Time - Onsite (AK)

Responsibilities

• Originates mortgage loans.
• Takes mortgage applications by phone or in person as acceptable by members.
• Mets monthly origination and closing goals.
• Actively solicits mortgage lending business.
• Knowledgeable of Fannie Mae/Freddie Mac Underwriting and private mortgage insurance guidelines.
• Makes loan product recommendations to members, understanding various rate/point scenarios.
• Understands all aspects of mortgage loan origination, including product, underwriting, and compliance and documentation requirements.
• Works in the field developing external relationships with members, realtors and other business partners.
• Responds to member inquiries.
• Provides consultative services to members; to explain various mortgage products, comparing the products to assist in meeting member needs.
• Initiates member rate lock requests to the secondary marketing representative.
• Determines timing of loan delivery to secondary market.
• Understands the correlation of loan sales to the organizations bottom line.
• Origins, conducts and participates in mortgage related promotional events/activities and educational seminars.
• Manages own mortgage loan pipeline; responsible for building the pipeline, working the loan until it closes ensuring that minimum production volume is consistently achieved.
• Provides desk time for Call Center incoming calls, responding to member inquiries, quoting rates, taking member applications.
• Continuously collaborates with loan processors and underwriters throughout the loan process to obtain all requisite loan documentation and ensure an exceptional member experience as well as promote 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.

Qualifications

• Minimum two years mortgage loan officer experience.
• Thorough knowledge of entire mortgage process from origination to end servicing.
• Solid understanding of applicable rules, laws and regulations pertaining to financial institutions, specifically credit unions, including mortgage lending.
• Strong knowledge and understanding of Nuvision products and services.
• Excellent sales and counseling skills required.
• Strong communication and interpersonal skills essential for interacting with member and referral sources.
• Active listener with demonstrated ability to generate needs-based solutions.
• Represents the Credit Union in a professional/member centric manner.
• NMLS Registration Required.