LOCATION

Tooele Branch:

1475 North Main Street
Tooele, UT 84074

SCHEDULE

Full Time

To be effective, an individual must be able to perform each job duty successfully.

• Responds to member inquiries and referrals that are generated from both their own contacts and from other CU business channels.
• Conducts interviews with prospective borrowers in order to analyze financial and credit data, determine financing objectives, gives advice to borrowers about product/pricing policies and guidelines, and gather any additional required information.
• Meets with members and prospective borrowers as necessary during the various stages of the lending process.
• Utilizes CU training materials, reference tools and other resources to provide accurate and up-to-date loan program/policy information to both internal and external members and internal business partners.
• Provides a complete and accurate loan application as part of a complete loan package through Blend or Encompass. This includes addresses, phone numbers, account numbers and any other information to complete the loan.
• Ensures an exceptional member experience by overseeing loan process from origination to close and providing on-going communication to not only the borrower but each business partner in the transaction.
• Achieves or exceeds production goals as established by Credit Union’s Mortgage Department.
• Determines borrower financing objectives and goals using AAA: Assess the correct loan options for the borrower based upon the member’s present and future situation; Advises the member on the best mortgage programs and options; Assists the member along the path to homeownership.
• Apprises member of pricing and CU lock-in policy and procedure; price and lock rates as required.
• Identifies appropriate opportunities to sell additional products (see LO Handbook for referral requirements).
• Runs a credit report and AUS; collects fees associated with the loan at the appropriate time; orders appraisals and title reports.
• Partners with Mortgage Loan Coordinator with ongoing communication to borrower regarding loan status and to ensure underwriting conditions are met.
• Tracks REPC and lock deadlines to avoid costly extensions or loss of property and/or earnest money deposit and provides an extension prior to application if less than two weeks before settlement date.
• Utilizes Encompass to add detailed loan notes throughout the loan process; checks for comments and conditions as the loan progresses; responds to changes in the loan file with necessary urgency.
• Counsels members who are denied loans regarding their credit and achieving their credit goals
• Attends and completes all Credit Union required training to include University classes on or prior to the due date.
• Maintains current and thorough knowledge of all lending programs, policies, procedures and regulatory requirements.
• Performs all job functions in accordance with Credit Union policies and procedures
• Participates in monthly mortgage department meetings and weekly branch M&Ms.
• Performs other duties as assigned.

KNOWLEDGE, SKILLS, and ABILITIES

The requirements listed are representative of the knowledge, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.

Experience

Minimum of 2 years lending experience in a financial setting. Experience in mortgage industry preferred.

Education

GED, High School equivalent or Educational Equivalent

Licenses, Certifications, Registrations

Ability to obtain and keep active NMLS

Managerial Responsibility

None

Computer/Office Equipment Skills

• Intermediate skills with Microsoft Office Suite including Outlook, Word, PowerPoint, and Excel
• Experience with analytical and reporting software preferred
• Ability to type a minimum of 35 words per minute

Language Skills

• Demonstrated ability to clearly express ideas, methodology, results and recommendations verbally, in writing and through insightful reports and graphic illustrations
• Must have the ability to read and interpret documents such as tax returns, income statements, contracts and documents regarding real estate transactions, loan program guidelines, AUS findings and preliminary title reports
• Attention to detail and outstanding customer service is critical to success.

Other Skills and Abilities

• Ability to work both autonomously and collaboratively in a fast-paced environment.
• Self-starter with strong organizing and time management skills and the ability to work productively and efficiently in a fast-paced environment with multiple projects and timelines
• Adaptive to change, responds positively to altered circumstances or conditions
• Possess a desire and willingness to learn and continually update knowledge base on financial concepts, strategies, systems etc.
• Take initiative to be a problem solver and provide suggestions to improve processes and efficiencies.
• Excellent inter-personal skills
• Ensure exceptional member service by maintaining a thorough knowledge of lending programs, policies, procedures and regulatory requirements, demonstrating a commitment to professional ethics, complying with all Federal and State compliance policies and adhering to HMDA requirements.

PHYSICAL ABILITIES / WORKING CONDITIONS

Physical Demands

Ability to sit, talk and hear consistently

Ability to stand, walk, and use hands to handle or reach occasionally

Vision Requirements

Close vision (clear vision at 20 inches or less)

Distance vision (clear vision at 20 feet or more)

Weight Lifted or Force Exerted

Ability to lift up to 10 pounds occasionally

Environmental

There are no unusual environmental factors (such as a typical office)

Noise Environment

Moderate noise (business office with computers and printers, light traffic)

***This Job is not eligible to be performed in Colorado or Connecticut, either remotely or in-person.***

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