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SAFE Credit Union · 3 days ago

Home Loan Consultant

Folsom, California

Full-time

Onsite

Mid Level

$25.41/hr - $31.76/hr

3+ years exp

SAFE Credit Union is a financial institution dedicated to providing exceptional service and support to its members. The Home Loan Consultant serves as a trusted partner for members navigating the home loan process, providing expertise and guidance throughout the application to funding stages.

Financial Services

Responsibilities

Regularly train and educate branch staff and leaders on SAFE home loan products and services

Act as SAFE Home Lending expert and ambassador in branches and the communities they serve

After equipping them with knowledge and confidence, encourage branch employees to talk about home loan products with members to identify opportunities for SAFE to help members build financial freedom through home ownership and equity

Maintain general awareness of market conditions impacting home lending and be able to explain those dynamics to SAFE members and employees

Use home lending expertise to effectively consult with existing and prospective members on SAFE’s home loan products. Conduct meaningful conversations to understand each member’s needs and qualifications, recommend and discuss appropriate home loan products and services with applicants or potential applicants

Responsible for accurate, regulatory compliant, timely, and complete mortgage and home equity applications, including required supporting documentation for disclosures, processing, underwriting, doc drawing, and funding

Effectively manage pipeline of mortgage and home equity leads and applications to ensure that members are being served to their expectations and each application is being handled timely and effectively. This includes assisting with member required documentation (initial and subsequent) when needed and regular communication with members about their application progress and status

Meet minimum production and service goals, as assigned

Represent SAFE at member functions as a home loan expert and resource (in branches or in partnership with SAFE’s Community Relations team throughout the branch footprint)

Show proficiency in presenting home loan information to SAFE employees and members, using a variety of mediums

Fill in as needed to cover gaps in service of home loan expertise throughout the SAFE branch network. Work cooperatively and in support of the Home Loan Consultant team to ensure excellent service to branches and members

Complete other duties, as assigned

Qualification

NMLS licenseMortgage sales experienceFNMAHUDUSDAVAFHLMCEncompass proficiencyMicrosoft Office proficiencyPlanningOrganizing skillsPublic relations abilityCommunication skillsTeamwork ability

Required

Associate degree or equivalent from a two-year college or technical school; and three to four years related experience and/or training; or an equivalent combination of education and experience

NMLS license

Three or more years of experience in mortgage sales

Knowledge of FNMA, HUD, USDA, VA, and FHLMC guidelines

Excellent oral and written communication skills

Demonstrated skill in planning, organizing, and controlling work

Good public relations ability, with the ability to speak clearly

Ability to work in a team environment

Ability to use a personal computer, with emphasis on Microsoft Office (Word, Excel, PowerPoint, Teams) and Encompass

Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals

Ability to write routine reports and correspondence

Ability to speak effectively before groups of customers or employees of organization

Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals