Golden 1 Talent Acquisition Team
Home Loan Internal Production - Home Loan Advisor (Chico/Redding/Susanville)
Golden 1 Talent Acquisition Team, Chico, California, us, 95976
Home Loan Internal Production - Home Loan Advisor (Chico/Redding/Susanville)
Monday, February 26, 2024JOB TITLE:
Home Loan Advisor - In MarketDEPARTMENT:
Home Loans ProductionSTATUS:
Non-ExemptJOB CODE:
3106PAY SCALE:
$29.81 - $29.81 HourlyGENERAL DESCRIPTION:The In-Market Home Loan Advisor is responsible for home loan production from assigned branches and the local mortgage market. They will work closely with the Branch Managers, local realtors, and other market sources to generate home loan referrals. The advisor will create production strategies that enhance the credit union’s market share in their assigned market(s) and will be responsible for generating and responding to inquiries and referrals from their assigned branches. The advisor interviews applicants to analyze financial and credit information, assists with financing objectives, advises on products, pricing, and gathers any other information required. The advisor will also be responsible for self-sourcing home loans from the local mortgage market by representing the credit union accordingly. The Advisor ensures exceptional service by maintaining a thorough understanding of lending programs, policies, procedures, and regulatory requirements.TASKS, DUTIES, FUNCTIONS:Originate home loans by maintaining exceptional service levels and product knowledge. Discuss 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.Develop market strategies with branch management to drive new membership and home loans to the credit union.Collaborate with realtors and other business partners in the market where their assigned branches are located.Maintain membership in realtor groups and attend business development events to build the home loans brand and production.Obtain and analyze pertinent financial and credit data, providing an initial assessment of loan and product qualifications.Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance.Monitor the home loan pipeline to ensure loans are attended to promptly, efficiently, and accurately.Negotiate with members on counter offers or communicate declinations when their initial request cannot be met.Interact with other advisors and fulfillment staff to ensure proper procedural compliance, team collaboration, and atmosphere.Consistently notate conversations with members in LOS to ensure proper communication.Additional duties as assigned by Management.PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS:Effective oral and written communication skills required to interact with members and staff.Manual dexterity to skillfully operate standard office equipment.Effective technology and reporting skills are required to direct and manage origination activities.ORGANIZATIONAL CONTACTS & RELATIONSHIPS:INTERNAL:
All levels of Staff/Management/Members/Third Parties.EXTERNAL:
Realtors/Vendors/Organizations/Select Employer Groups/Other Business Partners.QUALIFICATIONS:EDUCATION:
Successful completion of High School curriculum or equivalent work experience is required.EXPERIENCE:
2 years or more of mortgage loan origination experience.KNOWLEDGE/SKILLS: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 and personal computers.PHYSICAL REQUIREMENTS:Prolonged sitting throughout the workday with occasional mobility required.Corrected vision within the normal range.Hearing within normal range; a device to enhance hearing will be provided if needed.Occasional movements throughout the department to interact with staff.Occasional bending and stooping, as may be required to accomplish work.LICENSES/CERTIFICATIONS:MLO Registration required as defined by the S.A.F.E Act.A valid California driver's license and a clear driving record are required.
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Monday, February 26, 2024JOB TITLE:
Home Loan Advisor - In MarketDEPARTMENT:
Home Loans ProductionSTATUS:
Non-ExemptJOB CODE:
3106PAY SCALE:
$29.81 - $29.81 HourlyGENERAL DESCRIPTION:The In-Market Home Loan Advisor is responsible for home loan production from assigned branches and the local mortgage market. They will work closely with the Branch Managers, local realtors, and other market sources to generate home loan referrals. The advisor will create production strategies that enhance the credit union’s market share in their assigned market(s) and will be responsible for generating and responding to inquiries and referrals from their assigned branches. The advisor interviews applicants to analyze financial and credit information, assists with financing objectives, advises on products, pricing, and gathers any other information required. The advisor will also be responsible for self-sourcing home loans from the local mortgage market by representing the credit union accordingly. The Advisor ensures exceptional service by maintaining a thorough understanding of lending programs, policies, procedures, and regulatory requirements.TASKS, DUTIES, FUNCTIONS:Originate home loans by maintaining exceptional service levels and product knowledge. Discuss 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.Develop market strategies with branch management to drive new membership and home loans to the credit union.Collaborate with realtors and other business partners in the market where their assigned branches are located.Maintain membership in realtor groups and attend business development events to build the home loans brand and production.Obtain and analyze pertinent financial and credit data, providing an initial assessment of loan and product qualifications.Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance.Monitor the home loan pipeline to ensure loans are attended to promptly, efficiently, and accurately.Negotiate with members on counter offers or communicate declinations when their initial request cannot be met.Interact with other advisors and fulfillment staff to ensure proper procedural compliance, team collaboration, and atmosphere.Consistently notate conversations with members in LOS to ensure proper communication.Additional duties as assigned by Management.PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS:Effective oral and written communication skills required to interact with members and staff.Manual dexterity to skillfully operate standard office equipment.Effective technology and reporting skills are required to direct and manage origination activities.ORGANIZATIONAL CONTACTS & RELATIONSHIPS:INTERNAL:
All levels of Staff/Management/Members/Third Parties.EXTERNAL:
Realtors/Vendors/Organizations/Select Employer Groups/Other Business Partners.QUALIFICATIONS:EDUCATION:
Successful completion of High School curriculum or equivalent work experience is required.EXPERIENCE:
2 years or more of mortgage loan origination experience.KNOWLEDGE/SKILLS: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 and personal computers.PHYSICAL REQUIREMENTS:Prolonged sitting throughout the workday with occasional mobility required.Corrected vision within the normal range.Hearing within normal range; a device to enhance hearing will be provided if needed.Occasional movements throughout the department to interact with staff.Occasional bending and stooping, as may be required to accomplish work.LICENSES/CERTIFICATIONS:MLO Registration required as defined by the S.A.F.E Act.A valid California driver's license and a clear driving record are required.
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