Senior Home Loan Advisor

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Position Summary

As a Senior Home Loan Advisor, you will originate high-quality first and second lien mortgage loans through branch referral sources, the online application channel, and internal loan refinance inquiries. You will work directly with internal staff to ensure members have an exceptional experience from initial contact through loan funding. Your responsibilities include interviewing prospective borrowers to analyze financial and credit information, assisting with financing objectives, advising on products and pricing, and matching members with solutions that meet their financial needs while ensuring compliance with regulations, Credit Union policies, and investor guidelines.

Duties and Responsibilities

• Originates mortgage applications received through internal referral, online application channels, or from inquiries by consultative selling to assess needs, provide financial options, and recommend solutions in the member's best interest.
• Educate and guide members through the loan process. Answer questions and resolve problems that may develop with loan files, providing updates as necessary.
• Accurately interpret and apply FUS Policy, Standards, GSE guidelines, and AUS findings to facilitate loan decisioning.
• Take complete and accurate applications using the Credit Union's loan origination system; ensure all required documentation is collected for timely and compliant processing.
• Partner closely with processing and underwriting to ensure efficient file flow, pipeline management, and rate lock adherence.
• Deliver exceptional service through all communication channels, ensuring member needs are met with professionalism, timeliness, and care.
• Identify opportunities to cross-sell other Credit Union products and services that align with member needs.
• Counsel members whose applications are declined, offering guidance to improve their ability to qualify for future financing.
• Continually meet with, educate and partner with branch managers and member-facing staff to enhance their understanding of FUS products and establish referral relationships.
• Ensure all loan application, disclosures, and documentation meet applicable investor, regulatory, and Credit Union requirements.
• Maintain current knowledge of mortgage industry trends, regulatory changes, and Credit Union product offerings.
• Recommend process improvements, product enhancements, and service initiatives that benefit the membership and improve departmental efficiency.

Qualifications

Education / Experience Requirements

Working Conditions / Physical Demands

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