POSITION SUMMARY:

Creates, collects, analyzes, exercises judgment and advises members on mortgage loan options. Proactively seeks new business and builds pipeline. Maintains organization of pipeline and meets necessary and regulatory deadlines. This position is base salary plus incentive, significant time calling on prospective members and referral sources is essential. Serves our Membership in communities with under 30,000 residents.

SUPERVISORY RESPONSIBILITIES

This position is not responsible for the supervision of others.

Responsibilities

• Adheres to the Credit Union’s core values and Service Standards in conducting GreenState’s mission and vision.
• Demonstrates a positive member service (internal and external) focus at all times.
• Demonstrates teamwork in all interactions with coworkers and in the completion of all duties and responsibilities.
• Ensures confidentiality of member information.
• Supports a diverse and inclusive work environment.
• Responsible for serving our Members and Communities with under 30,000 residents.
• Plays a vital role in enriching the community by participating in community service organizations and/or Credit Union sponsored events on an annual basis.
• Explains the mortgage loan application process and products to the membership. Services by phone or in person the need for answers to inquiries pertaining to mortgage rates, mortgage programs, payments, daily rates, points, etc.
• Conducts mortgage loan application interviews assisting applicants in the completion of application.
• Gathers all required applicant information, including collecting, analyzing and advising members on best options to assure proper processing.
• Reviews applications, exercises judgment and renders loan decision for pre-approval/denial.
• Works with Underwriters in meeting their guidelines and obtaining loan approval.
• Is responsible for ensuring that all necessary documentation is in the loan files, including regulatory compliance items.
• With this position, it is customary to make regular outside sales calls to both prospective members and referral sources. Building relationships with realtors, builders are others that interact with the financial industry is crucial to ensure the ability to hit specific production targets. This may include such things as office calls, lunches or evening receptions as a way to generate future loan prospects. Most of such calls will take place outside of the employee’s place of business many of which may extend outside normal work hours.
• Works with mortgage processing department when necessary to ensure final documentation is received by the investors in a timely manner.
• Assists to ensure that the various federal reporting documents are delivered in a timely manner, to include the borrowers 1098, sellers 1099, interest reported to the IRS, and the HMDA report.
• Participates in any necessary training and development needed within the GreenState Mortgage Loan department.
• Adheres to all state, federal and credit union regulations, policies and guidelines