Outside Mortgage Consultant

SUMMARY

Under the direction of the Mortgage Sales Manager, the Outside Mortgage Consultant is responsible for meeting production targets via the origination of first mortgage real‑estate loans through full time outside sales initiatives. This will be accomplished by partnering with local realtors and real estate offices and other relationship‑based businesses such as financial planners, insurance agents and attorneys to drive home‑buyer referrals to APGFCU mortgage lending.

• Business Development:
  Call on realtors and relationship‑based businesses, at their sites of business, to promote APGFCU mortgage lending programs and to solicit home loan referrals. Attend local chamber events and BNI groups, as necessary, to promote awareness and drive business opportunities.
• Consultation:
  Guide members through qualification steps and assist with finding the best loan product and program to fit their needs, considering Conventional, Jumbo, VA, FHA, USDA and Home Equity financing options, etc.
• Applications:
  Input complete, accurate, quality applications via phone and face‑to‑face interviews, adhering to all applicable regulations.
• Pipeline Management / Application Follow‑Up:
  Monitor pipeline report on a daily basis to track delays and follow up with members who have not submitted their loan paperwork.
• Member/Buyer Contact:
  Act as primary contact for members throughout the loan process.
• Realtor/Partner Communication:
  With prior approval of the member/buyer, provide regular and timely loan status updates to referring partner.
• Service:
  Consistently demonstrate exceptional member service, as evidenced by member satisfaction surveys and referring partner testimonials.
• Cross‑Sell:
  Recognize and pursue cross‑sell opportunities, including auto, credit card and share accounts.
• Performance Standards:
  Accuracy in application documentation and adherence to established policies, practices, and procedures for mortgage lending.
• Schedule:
  
  Flexible schedule to accommodate partners and members, including evenings, weekends, and holidays.
• Workshops/Expos:
  Represent the credit union at First Time Homebuyer‑related Workshops, Realtor Expos, and local housing agency events.
• Additional:
  Responsible for completion of applicable training and compliance on federal regulations and APGFCU policies and procedures.

• Education: Associate’s Degree required, Bachelor Degree preferred. Experience may be substituted in lieu of degree.
• Experience: Two years or more of outside mortgage sales experience.
• Registration: Required to register or renew with the NMLS and maintain a status in good standing.
• Knowledge, Skills and Attributes:
  • Proficient knowledge of Conventional, VA, FHA, USDA and Jumbo loan financing.
  • Experience reading and interpreting tri‑merge credit reports and DU or LP findings.
  • Proficient knowledge of secondary mortgage market underwriting, pricing, operations and requirements.
  • Initiative to call on prospective business sources with confident and professional demeanor.
  • Must be self‑directed with a demonstrated ability to work independently.
  • Excellent communication skills, including interviewing prospective borrowers.
  • Demonstrated ability to effectively use a professional consultative sales approach.
  • Requires strong negotiating and decision making skills with the ability to resolve disputes.
  • Ability to add, subtract, multiply, divide, compute rate, ratio, percent, convert decimal to fraction, and back.
  • Technologically proficient with systems, standard office software and other tools.
  • Highly self‑motivated with ability to work well in a team environment.
  • Detail oriented and organized.
  • Fast and eager learner with a willingness to grow.

The physical demands described here are representatives of those that must be met by an employee to successfully perform the essential functions of this job. ...

$55,000.00 annually + Commission

APGFCU provides comprehensive benefits such as medical and dental (shared expense), vision, 401(k), life and disability insurance, flexible spending account, employee assistance program, referral program, educational assistance, holidays, annual leave and sick leave.

APGFCU is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, protected veteran status. ...

APGFCU is committed to working with and providing reasonable accommodations to persons of all abilities, including persons with disabilities. If you need a reasonable accommodation for any part of the employment process, please send to the Human Resources Department …