Job Description

The Mortgage Advisor, Outbound Sales is responsible for various duties relating to the origination of all mortgage loan applications. Ensures compliance with all mortgage loan policies and procedures, state and federal laws and regulations.

Duties & Responsibilities

• Responsible for outbound mortgage sales campaigns including contacting leads via the trigger program and other outbound campaigns as assigned by mortgage lending management.
• Coordinates the origination of all mortgage loan applications and assists in the consummation of their ultimate closing.
• High focus on determining the member’s financial needs and the appropriate credit union mortgage loan product.
• Support the Credit Union vision to drive member growth & engagement by cross-selling the CU’s full suite of financial products to help our members.
• Meet production, volume and survey results requirements.
• Facilitates the member’s mortgage loan application and ensures that the compilation of the member’s information is accurate and complete.
• Works directly with appropriate title companies to obtain preliminary costs associated with the mortgage loan transaction.
• Ensures that all preliminary mortgage disclosures are complete and accurate and are distributed to the member as required by appropriate compliance regulations.
• Makes recommendations on all mortgage and consumer loan applications.
• Assists in developing new procedures to ensure the most efficient operations within the department.
• Assists the credit union with required technical expertise with regard to real estate activities.
• Communicates both verbally and in writing to member inquiries pertaining to all functions related to the mortgage loan process.
• Assists in determining individual and departmental goals.
• Promotes honest and open communication throughout the credit union.
• Demonstrate behaviors that are consistent with the credit union’s values, philosophies, and leadership characteristics.
• Work with other credit union departments to insure the workflow or process is providing the best service to the members.
• Perform other duties as assigned.

Requirements

Education and Experience Requirements:

• A four-year college degree is desirable but not required, plus mortgage origination experience. Appropriate experience may be substituted for the above requirements.

Required Knowledge, Skills and Abilities:

• Comprehensive knowledge of real estate law and title insurance.
• Extensive knowledge of regulations governing real estate, including Regulations B, C, X, Z and the Fair Housing Act and Fair Credit Reporting Act.
• Knowledge of Fannie Mae/Secondary Market underwriting guidelines and eligibility requirements.
• Experience utilizing a PC-based loan management system which utilizes pipeline tracking and management capabilities.
• Demonstrates a strong degree of sales aptitude.
• Ability to communicate effectively in writing and orally.
• Ability to resolve interpersonal conflict and miscommunications.
• Knowledge of spreadsheet software and ability to use word processing software.
• Ability to maintain a high level of confidentiality.
• Must have or be able to obtain NMLS registration.