[Hiring] Mortgage Loan Consultant @Peak Credit Union

Role Description

Establishes professional and quality service-based member relationships focused on working with members seeking to obtain mortgage loans with the Credit Union through phone and web channels.

Where You Will Work:

• Remote role open to candidates residing in Washington (WA) or Oregon (OR).
• Travel is not required.

Pay Range:

• The annual base pay for this position is $47,080 to $53,500.
• Earnings potential (including base compensation) can range from $83,400 to $143,400+ annually, depending on production volume.

Duties and Responsibilities:

• Works to discover and actively assist with phone inquiries related to mortgage and to convert phone leads into production through the use of Mortgage LOS, CRM System, and other pipeline management tools.
• Originates all internet and phone applications that are not designated by member for Branch Mortgage Loan Officer.
• Introduces and evaluates member loan needs based on meeting their financial needs.
• Originates quality conventional, custom construction, government and from time to time home equity mortgage loans to their conclusion.
• Actively monitors loans in process and works with members to obtain and complete required documents.
• Continues to monitor applications in the processing stage and maintains accountability for seeing the loan to completion.
• Provides necessary disclosures to the member and develops a completed application ensuring all compliance related matters have been addressed prior to submitting to processing.
• Follows all lending and compliance training and guidelines in an effort to reduce risk and exposure to the credit union.
• Reports and monitors the status of applications at predetermined one on one with the Director of Mortgage Sales on funding expectations as needed.
• Demonstrates highest levels of member service, confidentiality and discretion when dealing with the internal and external members.
• Develops and maintains an acute working knowledge of the assigned duties and job functions; keeping up to date and requesting additional training and/or development as needed.
• Ensures duties performed are in compliance with all security, audit, regulatory compliance, information security, customer privacy, and Bank Secrecy Act/Customer Identification Program policies and procedures.
• Establishes professional and quality service-based member relationships focused on meeting the financial needs of each member.
• Promotes and maintains a positive attitude, team spirit and focus on member.
• Understands and explains legal issues involving credit.
• All other duties as assigned.

Qualifications

• High School.
• Minimum of one (1) year experience in mortgage related originations, including hands-on experience in structuring complex mortgage situations.

Requirements

• Bachelor's in Business Administration or related field of study (Preferred).
• Knowledge of complete line of products and services offered.
• Knowledge of credit union policies, procedures, programs & processes and the Symitar system are preferred.
• Knowledge of Bank Secrecy Act, Patriot Act, Federal Right to Privacy Act, Fair Credit Reporting Act, Truth In Lending and SAFE Act regulations; in addition to other state, and federal security laws and applicable regulations for banks and financial institutions.
• Knowledge of lending process including interviewing and securing proper documentation.
• Knowledge of TRID, agency guidelines and HUD guidelines.
• Knowledge of working with support systems such as FHA Connection and ordering mortgage insurance certificates for conventional, FHA and VA mortgages.
• Establish and maintain effective working relationships with Branch Managers, Operations Supervisor, employees and members.
• Performing duties in compliance with origination guidelines and credit union procedures.
• Using discretion in decision making and sound judgment in problem solving.
• Apply basic investigative techniques: interviewing, validating factual information, and preparing clear and concise reports.
• Work in a team environment focused on the retail sales culture and service excellence.
• Effectively communicate written and oral communication skills. Displays professionalism in presentations to members and potential members.

Benefits

• This position is eligible for Full-Time Regular benefits.
• Employees and their eligible family members have access to a wide array of employee benefits, such as medical, dental, vision and life insurance coverage.
• Includes an option for Medical, Dental, and Vision insurance to be paid at a 100% by company for the employee only coverage.
• Health Care FSA (HCFSA), Health Savings Account (HSA) with employer contributions, and Dependent Care FSA (DCFSA).
• Access to Life and AD&D insurance.
• Enrollment in our 401k plan.
• Full-Time Regular employees accrue 8 hours of vacation and 8 hours of sick leave, on a monthly basis.
• Full-Time Regular hired employees also receive 11 paid holidays throughout the calendar year, 1 floating holiday, 16 hours of self-care time, and 16 hours of volunteer time.
• All benefits except 401k start the first of the month following date of hire.
• Employees become eligible to contribute to 401k on the first of the month following 60 days of employment.