Loan Advisor - External; Carlsbad

General Description

The Home Loan Advisor - External will proactively solicit new residential mortgage loans to meet established loan quality and production goals. They will develop and maintain a strong network of business relationships to ensure a recurring source for mortgage loan referrals, including mortgage professionals, builders, other professional and personal contacts, and other referral sources. The advisor will enhance this network by regularly participating in business development opportunities, community events, and professional organizations.

They will also be expected to handle branch or call‑center generated referrals only when the member requests an in‑person meeting. The advisor provides members with exceptional service and maintains professional and ethical conduct. The advisor must maintain a thorough understanding of the lending programs, policies, procedures, and regulatory requirements.

• Originate mortgage loans from self‑sourced business and personal relationships while maintaining exceptional service levels and administering a lead management system. Discuss mortgage product options via phone, email, or in‑person with prospective and current borrowers.
• Assist members with appropriate product selection, lock request, and provide applicable disclosures as required by law and credit union processes.
• Obtain and analyze financial and credit data; complete an initial assessment of the mortgage application including review of credit, financial data, and collateral information to identify underwriting concerns upfront.
• Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance, including RESPA, HPML, HOEPA, HCML, ATR/QM, bank secrecy, and anti‑money laundering laws.
• Manage the mortgage loan pipeline closely to ensure loans are attended to promptly, efficiently, and accurately, and provide a market‑leading turnaround time on applications.
• Oversee the loan process from origination to close and provide ongoing communication to applicants, including renegotiating the interest rate and loan terms when necessary.
• Work closely with the mortgage resource center and operations staff to ensure the mortgage loan is moved along in accordance with credit union standards.
• Consistently record conversations with members in the LOS to ensure proper communication.

• Effective oral and written communication skills required to interact with members, branches, call‑center staff, and other outside contacts on the telephone.
• Must possess sufficient manual dexterity to skillfully operate an online computer terminal and other standard office equipment, such as financial calculators, personal computers, facsimile machines, and telephone.

• Internal:
  Mortgage operations staff, applicable supporting department staff, branch staff, contact‑center staff, and management.
• External:
  Members, prospective borrowers, realtors, builders, applicable third‑party vendors, governmental agencies, and personal and professional contacts.

• Education: High school diploma or equivalent work experience; a four‑year college degree preferred.
• Experience: Minimum five years in a mortgage‑related function with at least two years of generating self‑sourced business.
• Knowledge/
  
  Skills:
  
  
  • Exceptional member service skills.
  • Strong credit and general financial analysis.
  • Current working knowledge of the mortgage industry.
  • Excellent ability to collect and report information on market conditions, including competitive product and service offerings.
  • Understanding of the secondary market, including governmental programs.
  • Strong oral and written communication skills.
  • Develop and maintain advisory and consultative home‑loan skills.
  • Intermediate computer skills including Excel.

• Prolonged sitting throughout the workday with occasional mobility required.
• Corrected vision within the normal range.
• Hearing within normal range (assistive devices provided if needed).
• Ability to travel for business as needed to visit applicants, partners, vendors, headquarters, and conferences/training as…