What You'll Do :
This position is responsible for educating borrowers and providing product recommendations. The Mortgage Loan Consultant works closely with clients to understand their financial goals, assess their eligibility for loans, and guide them through the pre-application inquiry and approval process.
Essential Functions :
- Serve as the primary initial contact to members with mortgage applications and / or underwriting questions
- Drive new business by generating leads through various channels while nurturing member relationships
- Assist borrowers with the completion of mortgage applications through all available channels
- Prequalify borrowers looking to buy homes and potentially finance with LGE; provide Prequalification and Preapproval Letters to Realtor(s) and Borrower(s)
- Actively participate in community and business development events, selling mortgage products and services to members
- Proactively follow-up with borrowers to encourage submission of incomplete applications
- Collect and post mortgage application fees to GL / borrower accounts
- Develop basic understanding of all LGE Mortgage Center systems
- Manage application data exports from and imports into LGE Mortgage Center systems
- Build area knowledge and experience with all roles and activities within LGE Mortgage Center
- Develop, update, and deliver relevant introductory mortgage area training to retail and contact center staff
- Ultimately become a subject matter expert in instruction and mortgage guidance to assist retail and contact center staff with mortgage-related questions
- Research, discover and help to implement new ways to reach our members, staying aware of industry trends and topics
- Champion LGE products and services that deliver definitive value and meet our members' financial needs
- Connect with industry peers with the intent of discovering measurement of key performance metrics, benchmarking analytics, business insights, best practices, and other relevant topics
- Serve as primary point of contact for realtor partner program(s)
- Setup and assign submitted loan files as outlined in department procedures
- Assist team members in gathering necessary loan documents from borrowers
- Assist team members by coordinating third party order outs : i.e. appraisal, title, flood cert, insurance, anti-fraud reports, etc.
- Assist with special projects within LGE Mortgage Center
- Gather and relay member feedback regarding the loan origination experience, systems and processes
- Maintain knowledge of credit union's mortgage products and services
- Refer relevant deposit, insurance, and / or investment products as appropriate to support the full financial health of LGE members
- Become familiar with and follow all policies, procedures and processes which have been established in order to meet compliance requirements of all applicable federal regulations.
The regulations include but are not limited to TILA / RESPA (TRID), the Privacy Act, Office of Foreign Assets Control (OFAC), Fair Housing Act, Equal Credit Opportunity Act (ECOA), Bank Secrecy Act (BSA), Reg.
B, Reg. C, Reg. CC, Reg. Z and the Patriot Act
Who you are :
- Required : High school diploma
- Required : 2+ yrs experience in mortgage loan origination or processing, including the responsibility for borrower contact and coordination
- Preferred : 3+ yrs credit union, financial institution or mortgage broker experience
- Excellent written and verbal communication skills
- Innovative self-starter with the ability to work independently and as a contributor in a team environment
- Detail-oriented with strong organizational and problem solving skills; ability to multi-task and reprioritize objectives as needed
- Possess ability to work under pressure and meet deadlines
- Must demonstrate a professional and courteous manner while maintaining integrity and quality of service
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