Mortgage Lender

Capital Credit Union•Howard, 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. The Mortgage Lender builds financial relationships with members through member advocacy, sells and services mortgage and related products, and initiates applications for real estate loans, including conventional, VA, HELOC, and home equity loans. The role maintains product knowledge, helps members assess product suitability, supports accurate account processing and documentation, explains relevant documents and eligibility requirements, and responds to questions from members and employees. The position may involve opening or closing a branch, training new employees, preparing procedures and documentation, attending meetings and training, attending mortgage closings, and building relationships with realtors and title companies. Occasional travel is required for events, meetings, training, and closings.

Requirements

Ability to read, write, and comprehend detailed and technical instructions, correspondence, and memos, and perform basic arithmetic, as normally acquired through completion of high school.
Ability to 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.
Ability to 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; familiarity with the core computer system, Nautilus, Encompass, Microsoft 365, and email.
Working knowledge of products, services, and transaction-processing procedures, normally acquired through three to six months of on-the-job experience, including at least one month 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 actions.
Interpersonal skills to deal effectively with diverse members, including in stressful or sensitive situations.
Strong communication and listening skills, motivation, and sales skills.
Ability to exercise independent judgment when addressing member concerns and support overall business objectives.
Valid driver’s license for occasional travel.

Responsibilities

Build financial relationships with members using a member advocacy approach.
Sell and service the Credit Union’s product line, including mortgage loans, and discuss other relevant products such as consumer loans, debt protection, and insurance.
Refer members to Member Service Representatives, Commercial Lending, and Financial Advisors, including arranging appointments.
Maintain working knowledge of product features and technical details 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 based on 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 in preparing procedures and documentation and meet applicable deadlines.
Open and close the branch when required, following applicable procedures and policies.
Assist in training new employees when required.
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 meet member needs.
Build and maintain relationships with realtors and title companies.