Home Loan Officer

PRIMARY OBJECTIVE OF POSITION Educate, advise and guide potential borrowers about the home loan journey including the analysis of credit, collection and review of income documentation and solution fit with their financial needs. Identify, develop and maintain a quality network of business relationships that serves as a recurring source of referrals for new home loan opportunities. ESSENTIAL JOB FUNCTIONS Provide a consultative sales approach to uncover our member’s financial needs and goals by proactively identifying financial needs and matching them with home loan solutions. Develop and maintain successful business referral sources including existing and prospective Rally CU members, Rally CU Branch Peers, Realtors, Builders, Business Partners that serve as a recurring source of referrals for new home loan opportunities. Maintain excellence in delivering customer service and exceeding the credit union and department service standards. Collect required supporting loan documentation. Analyze credit and financial data. Prepare and present proposed loan structure to mortgage loan underwriter. Assist processor, mortgage loan underwriter and loan administration to ensure all loan conditions are satisfied. Keep member informed throughout loan process and assist with closing procedures. Ensure the protection of the credit unions interest in matters of adequate documentation and adherence to policies and the various laws and regulations that apply. Promote a teamwork attitude to ensure all credit union goals and objectives are achieved. Ensure the protection of the credit unions interest in matters of adequate documentation and adherence to policies and the various laws and regulations that apply. Attend all required lending trainings and meetings. Assist staff with mortgage servicing and collection efforts as needed. Offer and cross sell all credit union services and products. All other duties assigned. RELATIONSHIPS AND CONTACTS Supervise Employees: No Reports to : Home Loan Sales Assistant Manager -Division Contacts : Frequent contact with members, staff and other departments by face to face, telephone and email.