[Hiring] Home Loan Advisor - External @Golden 1 Talent Acquisition Team

Role Description

The Home Loan Advisor - External will proactively solicit new residential mortgage loans to meet established loan quality and production goals. They will develop and maintain a strong network of business relationships to ensure a recurring source for mortgage loan referrals. This network includes:

• Mortgage professionals
• Builders
• Other professional and personal contacts
• Any other referral source the Advisor develops

The external Advisor will enhance this network by regularly participating in business-related development opportunities, community events, and professional organizations. They will also be expected to handle branch or call center generated referrals only when the member requests an in-person meeting. The Advisor shall maintain a thorough understanding of the lending programs, policies, procedures, and regulatory requirements.

• Originate mortgage loans from self-sourced business and personal relationships by maintaining exceptional service levels and administering a lead management system.
• Discuss mortgage product options via phone, email, or in person with prospective and current borrowers.
• Assist the member with an appropriate product selection, lock request, and provide applicable disclosures as required by law and dictated by credit union processes.
• Obtain and analyze pertinent financial and credit data.
• Complete an initial assessment of the mortgage application including a review of credit, financial data, and collateral information to identify underwriting concerns upfront.
• Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including RESPA, HPML, HOEPA, HCML, ATR/QM, bank secrecy, and anti-money laundering laws appropriate to the position.
• Manage mortgage loan pipeline closely to ensure loans are attended to promptly, efficiently, and accurately.
• Oversee the loan process from origination to close and provide ongoing communication to applicants.
• Demonstrate the ability to delicately handle difficult situations while maintaining complete professionalism.
• Work closely with the mortgage resource center and operations staff to ensure the mortgage loan is being moved along in accordance with the credit union standards.
• Consistently notate conversations with members in the LOS to ensure proper communication.

Qualifications

• High school diploma or equivalent work experience or four-year college degree preferred.
• Minimum five years in a mortgage-related function with at least two years of generating self-sourced business.
• Exceptional member service skills.
• Strong credit and general financial analysis.
• Current working knowledge of the mortgage industry.
• Excellent ability to collect and report information on market conditions including competitive product and service offerings.
• Understanding of the secondary market including governmental programs.
• Strong oral and written communication skills.
• Develop and maintain advisory and consultative home loan skills.
• Working knowledge of office equipment and intermediate computer skills including Excel.

Requirements

• Effective oral and written communication skills required to interact with members, branches, call center staff, and other outside contacts on the telephone.
• Must possess sufficient manual dexterity to skillfully operate an online computer terminal and other standard office equipment, such as financial calculators, personal computer, facsimile machine, and telephone.
• Prolonged sitting throughout the workday with occasional mobility required.
• Corrected vision within the normal range.
• Hearing within normal range. A device to enhance hearing will be provided if needed.
• Ability to travel for business, as needed to visit with applicants, partners, and vendors, to attend meetings at headquarters or to attend conferences/training as deemed necessary by management.

Licenses/Certifications

• MLO Registration required: An individual in this position has been determined to be a Mortgage Loan Originator as defined by the S.A.F.E Act and whose responsibilities include taking applications and discussing terms or negotiating rates on loans secured by real property.