Home Loan Consultant
Participates in all steps related to the origination of mortgage loans, including but not limited to, reviewing new loan applications, conducting interviews and processing preliminary documentation on loan requests. Discusses loan alternatives, credit criteria, interest rates and loan documentation in a positive, professional manner. Prepares and issues conditional loan approvals for Borrowers. Performs follow up work as necessary, and notifies members of loan approval or denial. Explains loan denials precisely and clearly to members. Counsels members regarding money management and financial matters, especially those that were denied, offering alternatives, if applicable. Resolves loan application problems. Assists applicants with addressing credit report problems, low appraisals, low salary levels and high debt ratios. Reviews information for completeness and accuracy. Clarifies missing or questionable information. Resolves or refers requests and problems promptly and courteously, maintaining the Credit Union's professional reputation. Stays informed of lending standards, related legal requirements and trends in local real estate and competitive market. Assists and support Mortgage Loan Processors as needed to effectively process loans for closing. Keeps management informed of area activities and of any significant problems. Promotes other potential opportunities to serve members within Georgia United's retail and consumer lending product suite. Promotes and establishes strong, positive and productive working relationship within the organization through commitment to the company's purpose, mission and core values. Ability to communicate professionally and effectively, both verbally and in writing. Ability to work with confidential and time sensitive information in a fast-paced team-oriented environment with appropriate attention to details, accuracy and production. Excellent records and file management skills with ability to function in a paperless work environment. Demonstrated ability to provide excellent member service with the capability to operate with calmness and courtesy in stressful situations. High School or better. 2 years: Mortgage loan origination and processing experience. Knowledge of mortgage loan processing functions. Knowledge of mortgage related requirements, procedures and underwriting criteria. Solid math and calculation skills. Knowledge of regulatory requirements RESPA, HMDA, ECOA, FCRA, Flood Determination, Reg Z, Ability to Repay, Interagency Appraisal and Evaluation Guidelines. Must meet the qualifications necessary to maintain a NMLS license and meet the requirements of the SAFE Act. Computer proficiency with MS Office, including Word, Excel and PowerPoint, Internet, and Email. Ability to communicate professionally and effectively, both verbally and in writing. Ability to work with confidential and time sensitive information in a fast-paced team oriented environment with appropriate attention to details, accuracy and production. Excellent records and file management skills with ability to function in a paperless work environment. Demonstrated ability to provide excellent member service with the capability to operate with calmness and courtesy in stressful situations.
Participates in all steps related to the origination of mortgage loans, including but not limited to, reviewing new loan applications, conducting interviews and processing preliminary documentation on loan requests. Discusses loan alternatives, credit criteria, interest rates and loan documentation in a positive, professional manner. Prepares and issues conditional loan approvals for Borrowers. Performs follow up work as necessary, and notifies members of loan approval or denial. Explains loan denials precisely and clearly to members. Counsels members regarding money management and financial matters, especially those that were denied, offering alternatives, if applicable. Resolves loan application problems. Assists applicants with addressing credit report problems, low appraisals, low salary levels and high debt ratios. Reviews information for completeness and accuracy. Clarifies missing or questionable information. Resolves or refers requests and problems promptly and courteously, maintaining the Credit Union's professional reputation. Stays informed of lending standards, related legal requirements and trends in local real estate and competitive market. Assists and support Mortgage Loan Processors as needed to effectively process loans for closing. Keeps management informed of area activities and of any significant problems. Promotes other potential opportunities to serve members within Georgia United's retail and consumer lending product suite. Promotes and establishes strong, positive and productive working relationship within the organization through commitment to the company's purpose, mission and core values. Ability to communicate professionally and effectively, both verbally and in writing. Ability to work with confidential and time sensitive information in a fast-paced team-oriented environment with appropriate attention to details, accuracy and production. Excellent records and file management skills with ability to function in a paperless work environment. Demonstrated ability to provide excellent member service with the capability to operate with calmness and courtesy in stressful situations. High School or better. 2 years: Mortgage loan origination and processing experience. Knowledge of mortgage loan processing functions. Knowledge of mortgage related requirements, procedures and underwriting criteria. Solid math and calculation skills. Knowledge of regulatory requirements RESPA, HMDA, ECOA, FCRA, Flood Determination, Reg Z, Ability to Repay, Interagency Appraisal and Evaluation Guidelines. Must meet the qualifications necessary to maintain a NMLS license and meet the requirements of the SAFE Act. Computer proficiency with MS Office, including Word, Excel and PowerPoint, Internet, and Email. Ability to communicate professionally and effectively, both verbally and in writing. Ability to work with confidential and time sensitive information in a fast-paced team oriented environment with appropriate attention to details, accuracy and production. Excellent records and file management skills with ability to function in a paperless work environment. Demonstrated ability to provide excellent member service with the capability to operate with calmness and courtesy in stressful situations.