Home Loan Consultant (Hybrid)

Georgia United Credit Union•Pooler, GA

1d•Hybrid

About The Position

This role is responsible for all steps related to the origination of mortgage loans. This includes reviewing new loan applications, conducting interviews, and processing preliminary documentation. The consultant will discuss loan alternatives, credit criteria, interest rates, and loan documentation. They will prepare and issue conditional loan approvals, notify members of loan approval or denial, and clearly explain loan denials. Additionally, the role involves counseling members on money management and financial matters, resolving loan application problems, and assisting applicants with credit report issues, low appraisals, low salary levels, and high debt ratios. The consultant will review information for completeness and accuracy, clarify missing or questionable information, and resolve or refer requests and problems promptly. Staying informed about lending standards, legal requirements, and market trends is crucial. The role also includes assisting Mortgage Loan Processors, keeping management informed, promoting other Georgia United lending products, and fostering positive working relationships within the organization.

Requirements

Ability to communicate professionally and effectively, both verbally and in writing.
Ability to work with confidential and time sensitive information in a fast-paced team-oriented environment with appropriate attention to details, accuracy and production.
Excellent records and file management skills with ability to function in a paperless work environment.
Demonstrated ability to provide excellent member service with the capability to operate with calmness and courtesy in stressful situations.

Responsibilities

Participates in all steps related to the origination of mortgage loans, including reviewing new loan applications, conducting interviews and processing preliminary documentation on loan requests.
Discusses loan alternatives, credit criteria, interest rates and loan documentation in a positive, professional manner.
Prepares and issues conditional loan approvals for Borrowers. Performs follow up work as necessary, and notifies members of loan approval or denial. Explains loan denials precisely and clearly to members.
Counsels members regarding money management and financial matters, especially those that were denied, offering alternatives, if applicable.
Resolves loan application problems. Assists applicants with addressing credit report problems, low appraisals, low salary levels and high debt ratios.
Reviews information for completeness and accuracy. Clarifies missing or questionable information.
Resolves or refers requests and problems promptly and courteously, maintaining the Credit Union’s professional reputation.
Stays informed of lending standards, related legal requirements and trends in local real estate and competitive market.
Assists and support Mortgage Loan Processors as needed to effectively process loans for closing.
Keeps management informed of area activities and of any significant problems.
Promotes other potential opportunities to serve members within Georgia United’s retail and consumer lending product suite.
Promotes and establishes strong, positive and productive working relationship within the organization through commitment to the company’s purpose, mission and core values.