Home Loan External Production - Home Loan Advisor - External - Sacramento Region

Home Loan Advisor

You are known for approaching challenges with confidence, professionalism, and care. You excel at helping members resolve financial difficulties through communication, negotiation, and solutions that balance member needs with organizational objectives.

What You'll Do:

• Originate mortgage loans from self-sourced business and personal relationships by maintaining exceptional service levels and administering a lead management system. Discuss mortgage product options via phone, email or in person with prospective and current borrowers.
• Assist the member with an appropriate product selection, lock request and provide applicable disclosures as required by law, and dictated by credit union processes.
• Obtain and analyze pertinent financial and credit data. Complete an initial assessment of the mortgage application including a review of credit, financial data and collateral information to identify underwriting concerns upfront.
• Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including RESPA, HPML, HOEPA, HCML, ATR/QM, bank secrecy and anti-money laundering laws appropriate to the position.
• Manage mortgage loan pipeline closely to ensure loans are attended to promptly, efficiently and accurately to ensure exceptional service by providing a market leading turn time on applications.
• Oversee the loan process from origination to close and provide on-going communication to applicants. This includes renegotiating the interest rate and loan terms due to a change in the initial qualification caused by collateral, income or financial data verification. Demonstrate the ability to delicately handle difficult situations while maintaining complete professionalism.
• Work closely with the mortgage resource center and operations staff to ensure the mortgage loan is being moved along in accordance with the credit union standards.
• Consistently notate conversations with member in the LOS to ensure proper communication.

Qualifications and Preferences:

• H.S. Diploma or General Education Degree (GED) or equivalent work experience preferred
• Bachelor's Degree preferred
• 5+ years in a mortgage related function with at least two years of generating self-sourced business required