Mortgage Advisor

People's Credit Union • Middletown, RI

6d • Hybrid

About The Position

This outside sales position is responsible for sourcing and originating residential real estate mortgage loans from Credit Union members and non-members, with a particular focus on non-member volume, while providing extraordinary service to both clients and internal staff.

Requirements

• Self-motivated, self-starter
• Strong knowledge of residential real estate and construction loans
• Highly organized with strong ability to work independently
• Strong time and task management, and prioritization skills
• Strong relationship building skills with both clients and internal staff
• Must be capable of dealing calmly and professionally with diverse personalities and exercising the highest level of member service and discretion when dealing with clients, the public, and internal staff
• Strong attention to detail and ability to communicate clearly with clients and internal staff
• Working knowledge of Encompass mortgage LOS preferred
• Aptitude for process / workflow improvement for efficiency and member / peer experience
• 5+ years in an outside sales, mortgage origination role
• National Mortgage Licensing System (NMLS) registration required
• Perform primarily sedentary work with limited physical exertion and regularly lifting of up to 10 lbs.
• Must be able to operate routine office equipment.
• Must be able to routinely perform work on a computer for an average of 6-8 hours per day.
• Must be capable of reliably working a regular schedule and timely response to client and staff needs.

Nice To Haves

• Working knowledge of Encompass mortgage LOS preferred

Responsibilities

• Develops mortgage origination leads through personal networking with new prospects, current and former clients, membership in trade organizations (i.e. RI and local Boards of Realtors, RI Mortgage Bankers, etc.), and relationships with realtors, settlement agents, builders, developers, etc.
• Responds to inquiries from prospective clients regarding all types of residential mortgage and construction loans. Conducts the loan interview, presents financing options, and secures the information necessary to initiate a loan application.
• Prepares complete and accurate loan packages that conform to product eligibility requirements and provides all documentation required by Credit Union policy, procedures, underwriting guidelines, and applicable government regulations including FNMA, FHLMC, and any other applicable investor guidelines.
• Proactively maintains effective and timely communication with clients and internal staff regarding application requests, loan status, loan approvals/denials, and any other concerns.
• Ensures that Mortgage Advisor Client Service Standards are met in the performance of this role.
• Adheres to and demonstrates the behaviors of the Credit Union’s core values – Genuine, Resourceful, Earnest, Empathetic, Trustworthy, and actively works to enhance the member experience.
• Performs all duties in line with all Credit Union policies and all state and federal regulations.
• Apply for and successfully maintain NMLS registration.
• Completion of all assigned trainings per regulations set forth by SAFE Act
• Completion of annual registration renewal process

Benefits

• Health and dental benefits through Blue Cross Blue Shield, plus vision benefits through VSP
• 401(k) and Roth plan with a competitive employer match
• Robust Wellness Program
• Employee Recognition Program
• Fun, food, and events

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed