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Mortgage Consultant

2 months ago

Rochester Hills, United States Michigan Schools and Government Credit Union Full time

Founded by a small group of educators, Michigan Schools & Government Credit Union (MSGCU) has been providing quality financial services to the community for 70 years and welcomes everyone in Michigan to bank with us. We are financial champions committed to helping our members achieve financial success by rallying behind them and their goals. As the sixth largest Credit Union in Michigan, MSGCU has 22 branch offices in southeast Michigan...soon to be 23 We have over 450 team members, more than 145,000 members, $3.5 billion in assets, and a 95% member satisfaction rating for two decades.

We are a caring organization that strives to ensure an equitable and inclusive culture where everyone is valued and respected. With regular coaching and continuing education, we grow champions - team members dedicated to championing the success of our members. Our commitment to team member engagement has contributed to the honor of being named a Top Workplace by The Detroit Free Press eleven years in a row.

If you have a passion for helping people and providing exceptional and dependable service, we want you on our team

Information about our comprehensive total rewards package can be found here.

Overview of Responsibilities: Responsible for origination of first mortgages including conducting initial pre-qualification interviews, preparing loan application packages and necessary documentation, communicating policies for extension of credit in accordance with MSGCU and secondary investor guidelines, meeting production expectations, and serving members, prospective members, builders, developers, and real estate agents promptly and professionally.

Essential Duties and Responsibilities:

  • Implements effective strategies and techniques to ensure members have a positive experience with MSGCU and our products and services at every touch point.
  • Processes new loan applications and performs loan origination activities including accurately reading, interpreting, and applying financial and numerical information to the loan file. Adheres to federal and state regulations; secondary market; and MSGCU policies, procedures, and guidelines.
  • A strong emphasis will be place on consultative phone selling, prospecting and member service. This position will focus on phone mortgage origination via inbound and outbound calling utilizing various lead sources (referrals, call lists, phone queue, self-generated, etc.).
  • Highly skilled in persuasive sales and effective follow-up to maximize lead pull-through to closing.
  • Uses a consultative approach and asks high impact questions to identify and meet member needs, both perceived and unperceived. Listens for member cues and uses in depth knowledge of our products and services in order to offer effective solutions for member needs and cross sell MSGCU products and services by focusing on the benefits and value to the member.
  • Cultivates and maintains external referral sources by attending loan closings, networking events, cold calling, follow up, and referrals to generate business and first mortgage purchases.
  • Travels throughout branch network to strengthen relationships and collaborate with assigned branch teams in order to increase branch referrals and drive mortgage loan growth. Communicates mortgage updates and provides recommendations for identifying new opportunities. Responds to branch team members in a timely and efficient manner.
  • Performs follow-up work to achieve conditional approval within established time frames.
  • Provides consistent and effective feedback and communication informing applicants of loan pre-approval, issues preventing approval, denial, etc. Follows up on cancelled and pre-approved applications.

Essential Knowledge, Skills, and Abilities:

  • Member Focus: Uses active listening skills to gain insight and understanding into members‘ homeownership objectives in order to offer appropriate options and build strong member relationships. Actively looks for ways to help people solve problems and/or meet financial objectives.
  • Action Oriented: Takes on new opportunities and tough challenges with a sense of urgency and enthusiasm. Strong organizational skills and ability to manage multiple responsibilities simultaneously in a fast-paced environment.
  • Builds Networks: Builds rapport and develops constructive relationship networks inside and outside MSGCU.
  • Communicates Effectively: Skillfully communicates to members with varying levels of mortgage knowledge the lending options, process, and timelines, and uses s. diplomacy and tact during high-tension situations. Poised phone presence and strong follow-up skills.
  • Persuades: Shares mortgage options in a compelling manner to help members see the value of our offerings as compared to others in the market. Encourages member referrals.
  • Instills Trust: Builds relationships and gains the confidence of others by modeling honesty, integrity, authenticity and behaviors that align with organizational values. Exemplifies courage by stepping up to address difficult issues.
  • Self-Development: Actively seeks new ways to grow and be challenged using formal and informal development channels.
  • Situational Adaptability: Adapts approach and demeanor in real time to match the shifting demands of different situations.Rebounds from setbacks and adversity.
  • Proficient with a variety of computer software applications including Microsoft Office products (Word, Excel, PowerPoint, and Outlook), and ability to operate standard office equipment.
  • Familiarity with secondary mortgage market underwriting, pricing, operations, and requirements as well as all consumer lending regulations.

Essential Preparation and Experience:

  • High school diploma or GED; and
  • Either
    • 1 year of mortgage origination experience; or
    • 2 years of mortgage banking experience or relevant lending experience in other roles; or
    • Bachelor‘s degree in Business Administration, Marketing, Accounting, or Finance; or
    • 3 years of analytical finance experience.
  • Nationwide Multistate Licensing System & Registry (NMLS) licensure is highly preferred.

Compensation and Benefits:

Competitive salaries are just the starting point for MSGCU team members. We also champion our team members with generous health benefits, vacation time, retirement plan contributions and discounts on loans and phone service also come with the job.

  • Base pay is $19.25 / hour
  • Team members in this role are eligible to earn incentives as part of our variable compensation plan
  • Medical, dental and vision on your first day You can choose the most generous Health Savings Account (HSA)-eligible medical plan with no monthly premium for you (and your family)
  • If you are at least 21 years old, you will receive a 3% contribution from MSGCU, and a 100% match for the next 7% you contribute to your 401(k)
  • You will enjoy 12 paid holidays and up to 120 hours of PTO your first year of service (pro-rated based on start date)

Working Conditions:

  • Office and branch location environment with little discomfort from noise, extreme temperature, dust, or other factors.
  • Required to travel throughout MSGCU‘s service area as business needs require.
  • Exposed to potentially hazardous conditions, such as robbery. Receives detailed instructions and security procedures on an annual basis to minimize risk.
  • This work involves sitting most of the time with brief periods of walking or standing and may occasionally require lifting and/or moving up to 10 pounds.
  • Normal working hours will be MSGCU‘s standard branch and administrative office hours of operation, however, periodic weekends and/or before/after normal office hours will be required.