Mortgage Consultant 2

Canyon View Credit Union•Riverton, UT

2d•$22 - $29•Hybrid

About The Position

The Mortgage Consultant 2 is responsible for developing and maintaining relationships with realtors and builder partners, dedicating 50% of their time to this. This role involves guiding potential borrowers through the mortgage process from start to finish, maintaining a loan pipeline, meeting production and referral goals, and ensuring a positive member experience. The individual will originate high-quality mortgage loans and follow through the entire loan process. A key responsibility is fulfilling the Mission Statement: “We elevate our members' financial experience through best-in-class service and solutions.”

Requirements

Preferred 1-3 years loan origination experience.
Current NMLS Licensing.
Valid driver’s license and reliable vehicle.
Ability to work effectively with the public in person, via the phone, and email.
Must be professional and able to handle a high pressure fast paced changing environment.
Strong listening, marketing, relationship-building, communication, interpersonal and organizational skills.
Thorough understanding and knowledge of mortgage products and rates both within the Credit Union and industry overall.
Excellent attention to detail.
Effective communication, interpersonal and organizational skills.
High integrity and confidentiality.
Must have High School diploma or equivalent G.E.D.
Proficient with standard office business machinery and software.
Working knowledge of Microsoft Word/Excel/Outlook.

Responsibilities

Call on Real Estate agents and builders and other sources to develop a network of referral partners.
Originate mortgage loans to meet individual & department production goals.
Originate a minimum of $1,000,000 or 5 loans per month.
Consult with members on the advantages and disadvantages of various mortgage products to help determine the best option for each member’s financial situation.
Set proper expectations of loan process including time frame.
Communicate with all parties on a regular basis.
Monitor overall customer interaction and interfaces with all parties involved on each individual loan from application until closing.
Focus on marketing and promotional strategies to attract new purchase business, promoting a broad spectrum of mortgage products.
Develop expertise on mortgage products offered by the credit union as well as secondary market and in-house products including loan pricing, compliance disclosures, qualifications, and documentation requirements.
Evaluate documentation provided by the borrowers to ensure qualification of secondary market purchase or in-house guidelines.
Work closely with member and processing department to complete files for approval.
Ensure accurate loan pricing and fee disclosures.
Service existing credit union members needs.
Continually study and stay current on new mortgage lending guidelines, regulations, market updates and loan programs.
Continue to expand knowledge of issues influencing the industry.
Complete required training and licensing to assure compliance with all mortgage regulations.
Work incoming assigned mortgage applications from the internet, phone call inquiries, walk ins and branch referrals from relationships cultivated by the MC2.
Proactively create opportunities to talk to potential mortgage borrowers in the branches, at events and using outbound calling lists.
Identify opportunities for referrals back to the branches including HELOC, auto, credit Cards, savings, etc.
Understand the Bank Secrecy Act and how it is applied.