Home Loan Internal Production - Home Loan Advisor - In-Market (Remote in Walnut Creek, CA only)

Golden 1 Credit Union is seeking a Home Loan Advisor to manage home loan production from assigned branches and the local mortgage market. The role involves generating home loan referrals, creating production strategies, and ensuring compliance with lending regulations.

Responsibilities:

• Originate home loans by maintaining exceptional service levels and product knowledge. Discuss our 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
• Work with branch management to develop market strategies to drive new membership and home loans to the credit union
• Work with realtors and other business partners in the market their assigned branches are located
• Maintain membership in realtor groups and attend business development events such as mixers, local fairs and any other event that can build the home loans brand and production
• Obtain and analyzes pertinent financial and credit data. Provide initial assessment of the loan and product qualifications
• Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including, RESPA, HPML, HOEPA, HCML, HMDA, Fair Lending and bank secrecy and anti- money laundering laws appropriate to the position
• Monitor home loan pipeline to ensure loans are attended to promptly, efficiently and accurately to the established home loan pipeline standards
• Negotiate with members on counter offers or communicate declinations when their initial request cannot be met due to program limitations such as maximum loan-to-value, debt-to-income, valuation, reserves, etc. Demonstrate the ability to delicately handle difficult situations while maintaining complete professionalism
• Interact with other advisors and fulfillment staff to ensure proper procedural compliance, team collaboration and atmosphere
• Consistently notate conversations with member in LOS to ensure proper communication
• Additional duties as assigned by Management

Requirements:

• Successful completion of High School curriculum, or equivalent work experience is required
• 2 years or more of mortgage loan origination experience
• 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, personal computer, copier, facsimile, etc
• MLO Registration required: An individual in this position has been determined to be a Mortgage Loan Originator as defined by the S.A.F.E Act and whose responsibilities include taking applications and discusses terms or negotiates rates on loans secured by real property