Mortgage Loan Consultant
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About The Position
This is an in-office position based out of Ent Credit Union Headquarters in Colorado Springs. This is not a remote eligible position. Mortgage Loan Consultants are tasked with the following critical objectives: The primary purpose of this position is to work with Ent's members and potential members to assist them in identifying and securing a mortgage loan that is appropriate for achieving their financial goals including home ownership. The mortgage loan consultant will collect and analyze the member's financial information and assess the member's financing circumstances to determine which mortgage product might best fit their needs. This includes reviewing competing offers from other mortgage lenders and understanding the positive and negative features of many products. Analyzing mortgage applications and determining all documentation requirements based upon the uniqueness of the property, borrower's credit profile, employment type and history and/or income source(s), asset portfolio, source of down payment, and the loan type being requested and the corresponding investor standards. Disclose updated fees and re-audit disclosure forms as necessary. Organizing the borrower(s) and vendors (title companies, appraisal management co. HOA's, etc.) and communicating the requirements of approval. Retrieval and analysis of documentation, and compilation of a file to be submitted to mortgage underwriting for Conditional Approval. Providing service to borrowers. This includes problem resolution services which entails negotiating terms and pricing and other activities meeting the definition of a Mortgage Originator. Achieving (in partnership with Mortgage Underwriters, Mortgage Closers and other mortgage business units) industry leading NPS scores and industry leading turn times. Achieving compliant and salable mortgage loan production. Serve as a leader in the department. Prepare, generate and deliver accurate mortgage loan disclosures and necessary re-disclosures within regulatory State and Federal laws and regulations.
