Home Loan External Production - Home Loan Advisor - External - Sacramento Region
About The Position
The Home Loan Advisor originates mortgage loans through self-sourced business and personal relationships, maintains exceptional service levels, and administers a lead management system. The advisor discusses mortgage product options with prospective and current borrowers by phone, email, or in person; helps members select appropriate products; handles lock requests; and provides required disclosures. The role includes obtaining and analyzing financial and credit information, conducting an initial mortgage application assessment, and identifying potential underwriting concerns. The advisor manages the loan pipeline and oversees the process from origination through closing, communicating with applicants throughout and addressing changes to qualifications, interest rates, or loan terms professionally. The advisor works with mortgage resource center and operations staff, maintains accurate notes in the loan origination system (LOS), and keeps current on applicable state and federal regulations and credit union compliance requirements.
Requirements
- At least five years of experience in a mortgage-related function.
- At least two years of experience generating self-sourced business.
- High school diploma, GED, or equivalent work experience is preferred.
- Bachelor’s degree is preferred.
Nice To Haves
- High school diploma, GED, or equivalent work experience.
- Bachelor’s degree.
Responsibilities
- Originate mortgage loans from self-sourced business and personal relationships while maintaining exceptional service and administering a lead management system.
- Discuss mortgage product options with prospective and current borrowers by phone, email, or in person.
- Assist members in selecting appropriate products, submitting lock requests, and receiving applicable disclosures.
- Obtain and analyze financial and credit data; initially assess mortgage applications, including credit, financial, and collateral information, to identify underwriting concerns.
- Maintain knowledge of applicable state and federal laws and regulations, including RESPA, HPML, HOEPA, HCML, ATR/QM, bank secrecy, and anti-money-laundering laws.
- Manage the mortgage loan pipeline to ensure applications are handled promptly, efficiently, and accurately.
- Oversee loans from origination to closing and provide ongoing communication to applicants.
- Renegotiate interest rates and loan terms when changes to collateral, income, or verified financial information affect initial qualification.
- Work with mortgage resource center and operations staff to move loans forward according to credit union standards.
- Document member conversations in the LOS to support proper communication.
Benefits
- Market-competitive and internally equitable total rewards compensation package.
- Well-being and work-life balance programs.
- Career development and growth opportunities.
- Rewards and recognition programs.
- Commitment to Diversity, Equity and Inclusion.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
