Description

Primary Summary:

Originates first and second mortgages. Solicits   new mortgage business, maintains good outside working relationships, and   promotes the organizations products and services. Spends a significant amount   of time doing inside sales activities.

Essential   Functions/Position Responsibilities:

· Determine   financing objectives and goals. Conducts the loan interview and secures the member   information necessary to initiate a loan transaction. Provides loan   information and service to customers, realtors, and others as needed.

· Receives   and screens loan applications. Pulls, review and analyzes credit. Gathers   financial data. Notifies client to resolve discrepancies such as late payment   history, judgments, etc. Discusses options. Informs client of closing costs   such as appraisals, and attorney fees.

· Prepares   records and reports as requested regarding loan origination and closing   activities as needed.

· Collects   supporting loan documentation. Requests a personal employment and credit   check of the applicant, requests an appraisal on the property and/or   construction plans under consideration.

· Maintain   constant communication with clients via email, phone and mail form   application to closing and post-closing. Communicate with attorneys,   realtors, appraisers and vendors pertaining to specific client needs.

· Maintains   contacts and good working relationships with real estate brokers, attorneys,   and builders to assure a favorable image of the organization and to provide   information regarding current loan policies and procedures.

· Receives   inquiries from prospective members regarding all types of mortgage, provides   requested information regarding the organizations lending policies and   procedures.

· Must   comply with all company policies and procedures, applicable laws and   regulations, including but not limited to, the Bank Secrecy Act, the Patriot   Act, and the Office of Foreign Assets Control.

Requirements

 Experience:

One to two years of   similar or related experience, including time spent in preparatory positions.Knowledge of   Fannie Mae and Freddie Mac guidelines is required. Bi-lingual skills are a   plus.

Education/Certifications/Licenses

A college degree   preferred but experience may substitute with appropriate experience.Incumbents are   required to maintain their registration active, and current, with the   National Mortgage Licensing System throughout their employment.

Interpersonal Skills

A significant level of   trust and diplomacy is required to be an effective subject matter expert in   the position. In-depth dialogues, conversations and explanations with   members, direct and indirect reports and outside vendors of a sensitive   and/or highly confidential nature is a normal part of the day-to-day   experience. Communications can involve motivating, influencing, educating   and/or advising others on matters of significance.

Other Skills

Will be required to   work outside of scheduled hours to respond to positions issues.

Competencies:Member/ Stakeholder Focus: 

Builds and maintains effective relationships   with credit union staff, partners, and members. Identifies member, partner   and stakeholder needs and expectations. Listens carefully to understand   issues from their point of view. Provides practical solutions and   recommendations that support achieving the member’s, partner’s, or   stakeholder’s desired outcomes. 

Adaptability: 

Learns and adapts quickly in   new situations. Possesses a flexible   style, the ability to change and adapt to fit circumstances. Adjusts with ease, resulting in successful   performance.

Personal Accountability: 

Accepts responsibility for own actions, including failure. Embraces   experiences as learning opportunities and does not blame others.

Collaboration:  Values   others and different perspectives. Actively seeks and enlists participation of other departments,   functional areas and individuals in order to achieve goals. Promotes the common good, extends self   beyond personal self-interest; engages in appreciative inquiry and a spirit   of caring, not finger-pointing or blaming.

Effective Communication: 

Puts others at ease by listening. Allows adequate time for interactions, gives undivided attention to   speaker, demonstrates non-verbal cues that show interest, keeps an open mind   and concentrates on the speaker’s message. Responds with information or questions, as appropriate. Remains calm, focused and polite, even   during stressful conversations. 

Professionalism: 

Consistently   conducts self in a manner that is business appropriate. Manner of speech, attire and interaction   with others conveys competency, confidence, credibility, respect and   efficiency to others. Is polite,   courteous, tactful, responsible, and well-groomed. Establishes and maintains professional   boundaries in all work-related relationships.

Problem Solving

Gathers   and analyzes information, identifies goals, explores and selects solutions,  implements and action plan and evaluates results to ensure identified goals   have been achieved.

Consultative Selling - Demonstrates the ability to influence others by listening,   gathering and analyzing information in order to accurately understand their   needs. Provides expert advice and   functions as a knowledgeable resource, works collaboratively in order to   develop possible solutions, and/or to solve problems. Presents information, products and services   in a manner that secures commitment.

Physical Demands:

• Ability to sit and/or stand for long periods of time; reach with hands and arms.
• Sustains repetitive motions while using computer keyboard. Close vision for the computer screen is also required.
• Bends, stoops, kneels, pushes and pulls while filing or moving supplies.
• Occasionally lift and/or move up to 30 lbs.

NOTE: This job description has been designed to indicate the general nature   and level of work performed by staff members within this classification. It is not designed to contain or be   interpreted as a comprehensive inventory of all duties, responsibilities, and   qualifications required of staff assigned to this position. 

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions