Home Loan Internal Production - Home Loan Advisor - In-Market

Golden 1 Talent Acquisition Team • Fresno, CA

109d • $29 - $29

About The Position

The In-Market Home Loan Advisor is responsible for home loan production from assigned branches and the local mortgage market. They will work closely with the Branch Managers, local realtors and other market sources to generate home loan referrals. The advisors will be responsible for creating production strategies that will enhance the credit union’s market share in their assigned market(s). The advisor is responsible for generating and responding to inquiries and referrals from their assigned branches. Interviews applicants to analyze financial and credit information, assist with financing objectives, advises on products, pricing, and gathers any other information required. The advisor will also be responsible for self-sourcing home loans from the local mortgage market by representing the credit union accordingly. The Advisor ensures exceptional service by maintaining a thorough understanding of lending programs, policies, procedures and regulatory requirements.

Requirements

• Successful completion of High School curriculum or equivalent work experience.
• 2 years or more of mortgage loan origination experience.
• Exceptional member service and member relation skills.
• Strong credit analysis and general financial analysis.
• Current working knowledge of the mortgage industry.
• Full knowledge of FNMA/FHLMC-Secondary Market and FHA.
• Strong oral and written communication skills.
• Advisory and consultative home loans skills.
• Working knowledge of financial calculators, personal computer, copier, facsimile, etc.

Responsibilities

• Originate home loans by maintaining exceptional service levels and product knowledge.
• Discuss home loan products and programs via phone, email or in person.
• Work with branch management and staff to educate and strategize to increase home loan production from members.
• Develop market strategies to drive new membership and home loans to the credit union.
• Work with realtors and other business partners in the market.
• Maintain membership in realtor groups and attend business development events.
• Obtain and analyze pertinent financial and credit data.
• Provide initial assessment of loan and product qualifications.
• Maintain understanding of state and federal laws and regulations related to credit union compliance.
• Monitor home loan pipeline to ensure loans are attended to promptly and accurately.
• Negotiate with members on counter offers or communicate declinations.
• Interact with other advisors and fulfillment staff to ensure procedural compliance.
• Consistently notate conversations with members in LOS.
• Perform additional duties as assigned by Management.

What This Job Offers

• Education Level: High school or GED