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USF Credit Union · 1 day ago

Mortgage Loan Consultant

Tampa, FL

Full-time

Hybrid

Entry, Mid Level

2+ years exp

USF Credit Union is dedicated to delivering financial solutions to improve members’ lives. The Mortgage Loan Consultant (MLC) is responsible for originating new residential mortgage business and promoting mortgage products to members, while providing outstanding customer service and maintaining strong member relationships.

BankingFinancial Services

Responsibilities

Receives inbound calls, through assigned ACD call channels & educates members on mortgage products and rates. Adheres to established call center Service Level Agreements (SLAs) to maintain excellent member experience. May take complete mortgage applications over the phone or refer members to USFFCU website to enter an application

Meet with retail employees, professional referrals and branch walk-in members. Reviews and analyzes credit and financial data to provide accurate product information. Determine borrower financing objectives and goals to present appropriate USF Credit Union products and programs and explain guidelines. Collect supporting loan documentation as required and provide complete package to Mortgage Loan Processor. Identify appropriate opportunities to sell additional credit union products & services. Upload complete application via appropriate Loan Origination Software (LOS)

Work with Mortgage Loan Processor, Mortgage Loan Underwriter and Dept Managers to ensure loan documents and conditions are submitted in a timely manner as prescribed by department guidelines. Communicate with retail, consumer lending and call center teams to build knowledge and awareness. Work with individual employees to train, develop and encourage product awareness

Attend and complete all USF Federal Credit Union required training. Maintain current and thorough knowledge of all lending programs, policies, procedures and regulatory requirements. Perform all job functions in accordance with USF Federal Credit Union policies and procedures

Perform other duties as assigned

Qualification

Residential mortgage lendingMortgage guidelinesFederal RegulationsMicrosoft Office SuitePOSLOS systemsCustomer service orientationCommunication skillsTeam collaboration

Required

A high school diploma or G.E.D

Minimum 2 years' experience in residential mortgage lending

Demonstrates an understanding of mortgage lending or processing

Knowledge of conventional and/or government guidelines as well as an understanding of the Federal Regulations governing Real Estate Lending

Experience with Microsoft Word, Power Point, Excel, Outlook, and experience with POS and LOS systems

Strong verbal and written communication skills

Must demonstrate a functional knowledge of secondary guidelines, CFPB lending requirements (TRID, ATR and QM), the Bank Secrecy Act in addition to other Federal laws, including but not limited to: U.S. Patriot Act, Office of Foreign Assets & Control, Anti-Money Laundering, Right to Financial Privacy Act, and the Bank Bribery Act

Benefits

Competitive pay, robust incentive programs, 401k matching, Mortgage and Auto Loan discounts

4 weeks minimum paid time off work, work anniversary paid time off, 11 paid holidays and 8 hours paid volunteer time off.

Medical, Dental and vision plans with FSA option. (Employee Only Premiums for Dental and Vision are 100% Credit Union covered).

100% Credit Union Paid Short-Term and Long-Term Disability and Life Insurance

Employee Assistance Program

Undergraduate and Graduate Tuition Reimbursement

In-depth New Employee Orientation showcasing Credit Union Values and Vision

Company

USF Credit Union

At USF CU, our hiring process focuses on finding All-Stars who align with our core values of excellence, passion, innovation, community and collaboration.

Founded in 1959

Tampa, Florida, USA

201-500 employees