Mortgage Loan Advisor

3 weeks ago

Walnut Creek, California, United States Golden 1 Full time
Job Summary:

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, and 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. They will provide our members with the same exceptional service they give to their self-generated referrals and always conduct themselves in a professional and ethical manner. The Advisor shall maintain a thorough understanding of the lending programs, policies, procedures and regulatory requirements.

Key Responsibilities:

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.
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 to ensure exceptional service by providing a market leading turn time on applications.
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 member in the LOS to ensure proper communication.

Requirements:

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.

Working Conditions:

Prolonged sitting throughout the workday with occasional mobility required.
Corrected vision within the normal range.
A device to enhance hearing will be provided if needed.
Travel by car is required to visit with applicants, partners and vendors.
Travel by plane or other public conveyance is required to attend meetings at headquarters or to attend conferences/training as deemed necessary by management.

Licenses/Certifications:

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 discusses terms or negotiates rates on loans secured by real property. A valid California driver's license and a clear driving record are required.

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