Job Description

Job Location: Mortgage - Chadds Ford, PA 19317
Position Type: Full TimeEducation
Level: 4 Year Degree

Summary
- Offers members and potential members the best mortgage options available based upon credit profile, equity, stability of income and employment. Makes loans in accordance to the guidelines of conventional portfolio and government loan types and looks for FMFCU cross-sell opportunities. Strengthens realtor alliances and internal/external title insurance relationships.
Key Responsibilities
- Responds to all member mortgage inquiries from phone calls, internet applications and employee referrals within 24-48 hours of receipt.
- Enters applications or imports online applications into the loan origination system, pulls credit and submits the request to an automated underwriting system (AUS) to determine loan quality within 2-3 business days of receipt.
- Establishes a collaborative relationship with the branch managers in the assigned territory to achieve branch mortgage referral goals.
- Issues pre-approval letters for prospective buyers and follows up to ask for their business.
- Works diligently with members and SFN personnel to obtain all necessary conditions and stipulations for loan approval and closing.
- Attends purchase closings as an additional benefit to the member and to position the credit union as a viable source of mortgage money in the communities we serve.
- Conducts mortgage webinars to create awareness and member education of the mortgage product.
- Develops a realtor and/or builder network to establish a referral base that leads to a sustainable source of purchase money mortgages.
- Gives the member at least 2-3 mortgage options so they may decide the loan type that best fits their needs.
- Responsible for adhering to operational controls, including compliance with all required regulations and policies such as the Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) to ensure the safety and soundness of the Franklin Mint Federal Credit Union and its members.

QualificationsEducation/Experience
- Associates Degree required; Bachelors degree preferred
- 2 years of experience in financial services industry or experience in customer service, or equivalent experience.
- NMLS license required.
Other

Qualifications
Strong demonstrated abilities required:
- Customer/Member Service
- Interpersonal/Team Player
- Presentation Skills
- Motivated/Works Independently
- Sales/Negotiation Skills
- Analytical/Problem Solving
- Organizational Skills
- Project Management Skills
- Detail Oriented
- Verbal/Written Skills
- Microsoft Office
- Prioritize/Multi-task
Also required:
- Ability to work a flexible schedule.
- Ability to travel occasionally.
- Must maintain confidentiality.
Physical Requirements:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
- Ability to sit for extended periods; occasional standing
- Frequent use of hands/fingers for typing and operating standard office equipment
- Ability to hear and speak clearly
- Visual acuity to read computer screens and written documents
- Minimal physical exertion; occasional walking
What we offer to our team members:
- A competitive salary
- Team Based Incentives and Performance Bonus Opportunities
- Referral Incentive Opportunities
- Generous Paid Time Off
- Medical, Dental and Vision plans
- Health Savings Account with employer contribution
- Flexible Spending Accounts
- 401K with employer contribution and match
- Employer paid life insurance/AD&D
- Supplemental insurance plan options
- Employer paid Short and Long term disability programs
- Paid Family Leave
- Tuition Reimbursement
- Training and Development Programs
- Paid Holidays
- Paid Volunteer Time Off
- Employee Assistance Programs
- Pet Insurance
Equal Employment Opportunity
- FMFCU/SFN is an equal opportunity employer and prohibits discrimination against any applicant or employee based on any legally-recognized basis, including, but not limited to: race, color, religion, sex (including gender identity, sexual orientation, and pregnancy), age (40 and over), national origin or ancestry, physical or mental disability, genetic information, veteran status, uniformed service member status or any other status protected by federal, state or local law.
Offered pay rate for this position typically aligns with the minimum to midpoint of the salary range and varies based on factors such as qualifications and experience, budget, and internal alignment.