Jr. Mortgage Loan Consultant - External (CA) at Careerbuilder in Huntington Beach, California

Posted in Other 13 days ago.





Job Description:

Job Description



This position is responsible for providing a high level of member service in the origination of residential first and second mortgages via telephone inquiries, walk-ins, and referrals from branches, employees, realtors and builders. Adds value to the organization by adding assets to the Credit Union's portfolio and loans for sale in the secondary market.



Responsibilities:



  • Originates mortgage loans. Takes mortgage applications by phone or in person as acceptable by members. Meets monthly origination and closing goals. Actively solicits mortgage lending business. Knowledgeable of Fannie Mae/ Freddie Mac Underwriting and private mortgage insurance guidelines. Makes loan product recommendations to members, understanding various rate/point scenarios. Understands all aspects of mortgage loan origination, including product, underwriting, and compliance and documentation requirements. More than 50% of time spent in the field developing external relationships with members, realtors and other business partners. Production goals set at 50% of Mortgage Loan consultant.

  • Responds to member inquiries. Providing consultative services to members; to explain various mortgage products, comparing the products to assist in meeting member needs.

  • Initiates member rate lock requests to the secondary marketing representative. Determines timing of loan delivery to secondary market. Understands the correlation of loan sales to the organizations bottom line.

  • Originates, conducts and participates in mortgage related promotional events/activities and educational seminars.

  • Manages own mortgage loan pipeline; responsible for building the pipeline, working the loan until it closes ensuring that minimum production volume is consistently achieved.

  • Provides desk time for Call Center incoming calls; responding to member inquiries, quoting rates, taking member applications.

  • Continuously collaborates with loan processors and underwriters throughout the loan process to obtain all requisite loan documentation and ensure an exceptional member experience as well as promote communication and teamwork.

  • Cross sells other Credit Union products.

  • Supports and participates in continuous improvement activities.

  • Represents the Credit Union in a positive and professional manner.

  • Other related duties as assigned.

  • Maintains member and other sensitive information with confidentiality.

  • Treats all co-workers and members with respect.




Qualifications:



  • Minimum 1 year experience in lending within a financial institution.

  • Working knowledge of mortgage process from origination to end servicing.

  • Understanding of applicable rules, laws and regulations pertaining to financial institutions, specifically credit unions

  • Competent knowledge and understanding of Nuvision products and services

  • Good sales and counseling skills required.

  • Solid communication and interpersonal skills essential for interacting with member and referral sources.

  • Active listener with demonstrated ability to generate needs based solutions

  • NMLS Registration Required




Education: High school diploma or GED plus college level coursework in related business classes



Website: nuvisionfederal.com/careers



Benefits:



  • Medical

  • Dental

  • Vision

  • Life Insurance

  • Flexible Spending Account

  • 401(k) Matching

  • Paid Time Off

  • Training Provided

  • Tuition Reimbursement






Covid-19 Precaution(s):



  • Remote Interview Process (some positions vary)

  • Social Distancing and Mask Guidelines in place