Mortgage Lending Specialist

2 weeks ago

Seattle, Washington, United States Seattle Credit Union Full time

At Seattle Credit Union, we are committed to empowering our members to achieve their financial aspirations through comprehensive education and tailored banking solutions. Our core values of Inclusivity, Innovation, and Investment guide our mission to foster strong, trustworthy relationships within our community.

Position: Mortgage Lending Specialist (Bilingual Spanish Preferred)

Employee Type: Regular, Full-Time

FLSA Status: Non-Exempt

Compensation: $23.00/hour, plus performance-based incentives.

We are proud to cultivate a diverse workplace and encourage applicants from all backgrounds, including those with disabilities, varying ages, ethnicities, races, religions, gender identities, sexual orientations, national origins, and veteran statuses.

ROLE OVERVIEW:

Seattle Credit Union is on the lookout for dedicated professionals who are passionate about delivering exceptional lending solutions tailored to our members' distinct needs. As a Mortgage Lending Specialist, you will play a pivotal role in originating quality residential mortgage loans while building a robust referral network.

KEY RESPONSIBILITIES:

  • Generate high-quality loans that adhere to investor standards and Seattle CU's lending policies, ensuring outstanding member service.
  • Achieve minimum sales production targets established by senior management.
  • Develop and maintain a network of internal and external referral sources, including real estate brokers, attorneys, accountants, builders, and financial planners.
  • Promote Seattle CU's mortgage products through consistent communication with referral sources to drive new business.
  • Originate mortgage loans, pre-qualify borrowers, and provide guidance to prospective buyers to align their needs with suitable Seattle CU programs.
  • Coordinate and engage in initiatives that promote homeownership, such as seminars, home shows, and workshops.
  • Maintain active community involvement by serving on boards of relevant organizations to positively represent Seattle CU.
  • Ensure the accuracy and timeliness of mortgage application documentation, following up with applicants as necessary.
  • Possess extensive knowledge of Seattle CU's mortgage offerings and remain informed about the mortgage industry, including state and federal regulations.
  • Comply with SAFE Act legislation, including annual registration renewal as a Mortgage Loan Originator (MLO).
  • Complete Product/Service Knowledge Assessment within the first 90 days of employment, achieving a minimum score of 80%.
  • Generate accurate loan disclosures in a timely manner, adhering to RESPA, Reg Z, HMDA, and Reg B requirements.
  • Effectively manage the loan pipeline, collaborating with processors to ensure timely communication with borrowers and real estate brokers.
  • Perform additional duties as assigned.
QUALIFICATIONS:

Basic Requirements:
  • High School Diploma or equivalent.
  • A minimum of three years of experience in residential lending sales, consistently meeting established production goals.
  • Experience in producing compliant work that meets sales targets (RESPA, Reg Z, HMDA, Reg B).
  • Preferred knowledge and experience in originating mortgage loans for FHLMC/FNMA, FHA, and VA.
  • Understanding of the Secondary Market.
Preferred Qualifications:
  • Background in financial institutions.
  • Some college education is preferred.
Skills and Competencies:
  • Exceptional sales abilities.
  • Strong interpersonal and communication skills, both verbal and written, with the capacity to engage in a diverse community.
  • Proficiency in standard software applications, including Microsoft Word, Excel, PowerPoint, and Outlook.
  • Basic analytical skills for evaluating personal and business financial documents.
  • Knowledge of regulatory, policy, and compliance issues within the mortgage sector.
  • Thorough understanding of various mortgage products and programs.
  • Good analytical skills to assess credit requests and identify market trends.
  • Excellent organizational and time management capabilities.
  • Consistent attendance record.
Abilities:
  • Ability to work independently and prioritize tasks effectively.
  • Capacity to manage stress in a fast-paced environment.
  • Ability to communicate with professionalism and courtesy.
  • Professional appearance and demeanor.
  • Basic mathematical skills for calculations related to loans.
  • Demonstrated proof of past performance.
WORKING CONDITIONS:
  • This position may require travel for events, application interviews, and training.
  • Some work may occur outside of standard business hours for loan applications and community visits.
  • Generally, work will be conducted in an office setting.
  • Potential indirect exposure to robbery.
BENEFITS:

Seattle Credit Union is committed to investing in our employees. We offer comprehensive benefits, including zero-cost medical, dental, and vision plans for employees, a generous paid time off program, and a 401k plan with a dollar-for-dollar employer match up to 5%.

To excel in this role, candidates must meet the essential duties satisfactorily. The requirements outlined above represent the necessary knowledge, skills, and abilities required for success.

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