Mortgage Relationship Specialist

Company: JSC Federal Credit Union
Location: Houston
Posted on: April 10, 2021

Job Description:

ROLE: The Mortgage Relationship Specialist role will be using their competitive edge to present, evaluate and sell valuable financial solutions to potential new members. They are tasked with creating new business opportunities and acts as an advisor to potential new mortgage members. They will be making a difference in our members' lives through the examination, evaluation and authorization or recommendation of approval of member applications for residential real estate loans. This is accomplished by providing the highest quality experience for both internal and external members. The Mortgage Relationship Specialist will be responsible for providing significant direct service to members and maintaining a thorough understanding of relevant legal parameters, accounting issues and the administrative processes involved in choosing a proper course of action for mortgage lending. Business Development

• Generates new loan applications using customer service skills.
• Highly focused on new membership growth, maximizes production with referrals and attracts new mortgage loan applications by developing relationships within the community, specifically with the real estate community; making sales calls to prospective customers.
• Promote sales and continually identify, develop and maintain a quality network of realtor and member business relationships.
• Represent JSC FCU in the market place, research competitor and other external marketplace best practices.
• Achieve and exceed sales goals and objectives.
  Loan Application Process
  • Proactively solicit new residential mortgage business and sell JSC FCU mortgage products to meet loan quality and production goals
  • Request, review and analyze Member applicant's credit and financial data.
  • Determine Member's financing objectives and goals.
  • Provide sound mortgage advice to members regarding the advantages and disadvantages of different loan products and pricing policies and guidelines.
  • Discuss pricing and lock rates as required.
  • Collect all necessary supporting loan documentation as required and provide a complete package to the mortgage loan processor.
    Loan Application Management
    • Work with compliance and underwriting to ensure that any outstanding loan conditions are met.
    • Provide ongoing communication with the Member throughout the process, up to and including loan closing details and instructions.
    • Ensure exceptional service experience for the Member throughout the mortgage application process.
      Professional Development
      • Comply with applicable consumer laws, regulations, company guidelines, etc.
      • Complete all necessary training and licensing.
      • Maintain a thorough knowledge of offered lending programs, policies, procedures and regulatory requirements.
      • Maintain the confidentiality of all information processed.
      • Achieve slated personal production goals as determined by the credit union lending supervisor.
      • Perform all job functions in accordance to the credit union's mortgage lending policies and procedures.
      • Prepare required reports as necessary.
      • Perform all other duties as assigned.
      • Maintains comprehensive knowledge and training of the Bank Secrecy Act, Customer Identification Program, USA Patriot Act, OFAC, Fair Lending, Reg Z, HMDA.
        EXPERIENCE:
        • 3-5 Years' experience in mortgage loan sales.
        • Excellent communication skills and proven effectiveness in presentation skills.
        • Current knowledge of and ability to apply financial service industry standards, laws and regulations.
        • Ability to input data accurately and efficiently into mortgage lending software systems.
        • Working knowledge of accounting and loan processing software.
        • Ability to work under the stress of dealing with a wide range of personalities and monitoring and reviewing the many details of loans and loan packages to ensure completeness, accuracy and funding.
        • Ability to communicate clearly and concisely, to present ideas and to report facts and technical information.
        • Ability to resolve questions and problems on responsibilities as well as manage personal work flow and meet deadlines and production goals.
        • Ability to add, subtract, multiply, and divide accurately all units of measure, to perform these four operations with like or common decimal fractions, to compute rates and percentages and to perform arithmetic operations involving all American monetary units.
        • Ability to maintain stable and courteous business relations with brokers, appraisers, employees, etc.
          EDUCATION:
          • High School diploma or equivalent required
          • Associate's/Bachelor degree in business related field preferred INTERPERSONAL SKILLS: Courtesy, tact, and diplomacy are essential elements of the job. Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation. PHYSICAL REQUIREMENTS:
            The physical demands described here are representative of those that must be met by an individual to successfully perform the essential functions of this job. These include the ability to:
            • sit and / or stand for entire work day
            • Vision abilities include close vision, color vision and ability to adjust focus.
              
              JSC Federal Credit Union (JSC FCU) is an equal opportunity and affirmative action employer and gives consideration for employment to qualified applicants without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, veteran status or any other legally protected characteristic. If you'd like more information about your EEO rights as an applicant under the law, click here for English / Spanish.
              JSC FCU provides equal opportunity to qualified individuals with disabilities and disabled veterans. If you need a reasonable accommodation, please email or call for assistance.

Keywords: JSC Federal Credit Union, Houston , Mortgage Relationship Specialist, Other , Houston, Texas