Job Description

Job Summary:

Originates, reviews, and evaluates Sunward mortgage loan applications and makes recommendations; counsel’s members regarding appropriate financial planning and practices; provides members with superior quality of service that are in line with Sunwards core values.

Essential Job Duties:

Main responsibilities:

• Interview and process mortgage loan requests by appointment, web application, phone, and walk-in.


• Evaluate credit worthiness.


• Analyze supporting documentation (e.g. paystubs, W-2‘s, tax returns, asset documents, etc).


• Use credit reports and supporting documentation to verify accuracy of application.


• Review purchase agreements, warranty deeds, real estate contracts and other property related documentation provided by the borrower or real estate professional.


• Disclose loan applications accurately, and in a timely manner, remaining in compliance with all State and Federal Regulations.


• Provide sound reasoning for approval or denial of the loan application that is documented in Loan notes and with supporting documentation.


• Provide a superior member experience by:


• Actively listening to and assessing needs of the member


• Explaining the features and benefits of targeted products and services


• Offering targeted solutions to meet the members needs


• Demonstrate proficiency in all mortgage products, with working knowledge of construction loans.


• Educate and advise members of financial planning, credit worthiness, underwriting guidelines, interest rates and products. Provide sufficient information that the member can make an educated decision on the product and rate chosen.


• Strive to exceed the Credit Union’s service and sales goals through the development and maintenance of member relationships.


• Develop internal relationships with branches, educating frontline staff on mortgage products and obtaining qualified referrals.


• Cross-sell consumer and commercial products to members, when appropriate.


• Develop external relationships with realtors and builders.


• Retrieve and follow-up on referrals received through the branches, contact center, and other credit union resources.


• Participate in Sunward Homebuyer Education Seminars and other events as requested.


• Follow up with attendees to develop additional relationships and loans.


• Meet or exceed annual department origination goals as set by Management.


• Complete all steps required to register and renew, yearly, with Nationwide Mortgage Licensing System and Registry (NMLS). Ensure that all personal data is kept up to date with NMLS. Complete SAFE Act training as required by the Credit Union.


• Attend schools, seminars and other types of training to further expand and enhance product knowledge.


• Perform other duties as requested by management.

Requirements

Required Skills/Abilities:

• Excellent interpersonal skills.


• Strong verbal and written communication skills.


• Ability to communicate lending related topics clearly and succinctly to others.


• Excellent organizational skills and attention to detail.


• Strong proficiency with Microsoft Office applications. Familiar and comfortable with information technology, particularly digital means of communication.


• Strong organizational skills in managing multiple initiatives.


• Strong analytical and problem-solving skills.


• Ability to work individually and as a team.


• Ability to keep and maintain pass requirements for SAFE ACT

Knowledge:

• Thorough understanding of mortgage lending fundamentals and regulations.


• Strong knowledge of mortgage products.

Education and Experience:

• Minimum one years’ experience in loan origination, mortgage brokerage or a related field.


• Minimum of HS Diploma or GED equivalent or more than one year of experience in lieu of education

Physical Requirements:

Prolonged periods of sitting at a desk and working on a computer.

Frequent travel

Must be able to lift 5 pounds at times.

Salary/Compensation: $26.22 - $32.78 per hour

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