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Golden 1 Credit Union · 2 days ago

Home Loan Internal Production - Home Loan Advisor - In-Market

Fresno, CA

Full-time

Onsite

Entry, Mid Level

$29.81/hr - $29.81/hr

2+ years exp

Golden 1 Credit Union is seeking an In-Market Home Loan Advisor to enhance home loan production from assigned branches and the local mortgage market. The advisor will collaborate with branch managers, local realtors, and other sources to generate referrals and develop strategies to increase market share while ensuring compliance with lending regulations.

BankingFinanceFinancial Services

Hiring Manager

Desiree Thompson

Responsibilities

Originate home loans by maintaining exceptional service levels and product knowledge. Discuss our home loan products and programs via phone, email or in person

Work with branch management and staff to educate and strategize to increase home loan production from our members

Work with branch management to develop market strategies to drive new membership and home loans to the credit union

Work with realtors and other business partners in the market their assigned branches are located

Maintain membership in realtor groups and attend business development events such as mixers, local fairs and any other event that can build the home loans brand and production

Obtain and analyzes pertinent financial and credit data. Provide initial assessment of the loan and product qualifications

Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including, RESPA, HPML, HOEPA, HCML, HMDA, Fair Lending and bank secrecy and anti- money laundering laws appropriate to the position

Monitor home loan pipeline to ensure loans are attended to promptly, efficiently and accurately to the established home loan pipeline standards

Negotiate with members on counter offers or communicate declinations when their initial request cannot be met due to program limitations such as maximum loan-to-value, debt-to-income, valuation, reserves, etc. Demonstrate the ability to delicately handle difficult situations while maintaining complete professionalism

Interact with other advisors and fulfillment staff to ensure proper procedural compliance, team collaboration and atmosphere

Consistently notate conversations with member in LOS to ensure proper communication

Additional duties as assigned by Management

Qualification

Mortgage loan originationCredit analysisRegulatory complianceMember serviceFinancial analysisFNMA/FHLMC knowledgeAdvisory skillsTechnology skillsFinancial calculatorsOral communicationWritten communication

Required

Successful completion of High School curriculum, or equivalent work experience is required

2 years or more of mortgage loan origination experience

Exceptional member service and member relation skills

Strong credit analysis and general financial analysis

Current working knowledge of the mortgage industry

Full knowledge of FNMA/FHLMC-Secondary Market and FHA

Strong oral and written communication skills

Advisory and consultative home loans skills

Working knowledge of financial calculators, personal computer, copier, facsimile, etc

MLO Registration required: An individual in this position has been determined to be a Mortgage Loan Originator as defined by the S.A.F.E Act and whose responsibilities include taking applications and discusses terms or negotiates rates on loans secured by real property