Mortgage Lender

Capital Credit Union•Green Bay, WI

About The Position

The Mortgage Lender supports Capital Credit Union’s mission by assisting members in person, by email, virtually, and by telephone with mortgage lending needs and requests. The role promotes the Credit Union’s products and services and provides exceptional service to members and coworkers using a member-advocacy approach. It builds financial relationships, helps members determine suitable products, and initiates applications for real estate loans, including conventional, VA, HELOC, and home equity loans. The Mortgage Lender maintains product and procedural knowledge, ensures account accuracy and follow-up, interprets documents in accordance with Credit Union policies and government regulations, and responds to member and employee questions. The position may involve opening or closing a branch, training new employees, preparing procedures and documentation, attending meetings and training, traveling to mortgage closings and other events, and building relationships with realtors and title companies. The role must observe applicable legal and regulatory requirements, including BSA and OFAC policies and regulations.

Requirements

High school education or equivalent ability to read, write, and comprehend detailed and technical instructions, correspondence, and memos, and to perform basic arithmetic.
Pass a federal criminal background check and be listed on the Federal Mortgage Loan Officer registry as required by the S.A.F.E. Act.
Pass and maintain State of Wisconsin Notary requirements, including electronic notary.
Ability to operate an online computer terminal and office equipment, including a keyboard, scanner, fax machine, and adding machine; relevant systems include the core computer system, Nautilus, Encompass, Microsoft 365, and email.
Working knowledge of products, services, and procedures needed to process transactions, normally acquired through three to six months of on-the-job experience, including at least one such period with the Credit Union.
Ability to concentrate and pay close attention to detail for more than 50% of work time, closely examine documentation, and maintain a high degree of accuracy.
Analytical ability to research and resolve member problems and determine appropriate action.
Interpersonal skills to deal effectively with diverse members, including in stressful situations.
Strong communication and listening skills to handle sensitive situations diplomatically and effectively.
Strong motivation and sales skills.
Ability to exercise independent judgment when addressing member concerns.
Support for overall business objectives.
Valid driver's license for occasional travel.

Responsibilities

Build financial relationships with members using a member advocacy approach.
Sell and service mortgage and other Credit Union products, including consumer loans, debt protection, and insurance, based on member needs.
Refer members to Member Service Representatives, Commercial Lending, and Financial Advisors, including arranging appointments.
Maintain working and technical knowledge of relevant products and help members determine product suitability.
Initiate applications for real estate loans, including conventional, VA, HELOC, and home equity loans.
Ensure accuracy, follow-up, and maintenance of accounts in the computer system.
Interpret key documents for members in accordance with Credit Union policies and government regulations.
Correspond with members about account and loan eligibility requirements and credit denials.
Answer member and employee questions about Credit Union products and information.
Assist with preparing procedures and position documentation, meeting applicable deadlines.
Open or close the branch when required, following applicable procedures and policies.
Assist in training new employees when needed.
Complete projects and other duties assigned by the Supervisor, VP of Mortgage Lending, or other management team members.
Attend meetings and training to stay current on policies, regulations, procedures, products, and legal requirements, including BSA and OFAC.
Attend closings at title companies and other locations to serve members.
Build and maintain relationships with realtors and title companies.