Mortgage Advisor

Position Summary

This outside sales position is responsible for sourcing and originating residential real estate mortgage loans from Credit Union members and non-members, with a particular focus on non-member volume, while providing extraordinary service to both clients and internal staff.

• Develops mortgage origination leads through personal networking with new prospects, current and former clients, membership in trade organizations (i.e. RI and local Boards of Realtors, RI Mortgage Bankers, etc.), and relationships with realtors, settlement agents, builders, developers, etc.
• Responds to inquiries from prospective clients regarding all types of residential mortgage and construction loans. Conducts the loan interview, presents financing options, and secures the information necessary to initiate a loan application.
• Prepares complete and accurate loan packages that conform to product eligibility requirements and provides all documentation required by Credit Union policy, procedures, underwriting guidelines, and applicable government regulations including FNMA, FHLMC, and any other applicable investor guidelines.
• Proactively maintains effective and timely communication with clients and internal staff regarding application requests, loan status, loan approvals/denials, and any other concerns.
• Ensures that Mortgage Advisor Client Service Standards are met in the performance of this role.
• Adheres to and demonstrates the behaviors of the Credit Union’s core values – Genuine, Resourceful, Earnest, Empathetic, Trustworthy, and actively works to enhance the member experience.
• Performs all duties in line with all Credit Union policies and all state and federal regulations.

• Apply for and successfully maintain NMLS registration.
• Completion of all assigned trainings per regulations set forth by SAFE Act
• Completion of annual registration renewal process

Individuals effective at this competency manage their time wisely and can effectively prioritize work and competing goals and tasks. They have a strong understanding of the needs and can look ahead to determine timing and best approach. They are effective at running meetings efficiently, as well as projects.

Individuals who are effective with this competency will be fully present and give undivided attention when someone is speaking. They will give cues both verbally and non-verbally indicating they are engaged in what someone is saying. When the speaker is finished speaking, they paraphrase to confirm understanding of what was being communicated.

Individuals effective at this competency understand the importance of continued, relevant, and consistent information exchange. They understand that communication is best through different channels and actively seek to provide information using the best medium. They take responsibility for information and ensure that individuals have accurate and current information. They take responsibility for ensuring that any communication is effectively received and that they close the loop on any communications that are unclear.

Individuals effective at this competency are able to read people and situations to skillfully direct, persuade, and motivate others. They customize their communication to the audience and create trust by transparency, honesty, and dealing with all situations with competence and a sense of fairness.

Individuals effective at this competency are goal focused, and achievements motivate them. They pursue goals and outcomes and have a sense of urgency to achieve results and can balance short- and long-term objectives.

• Self‑motivated, self‑starter
• Strong knowledge of residential real estate and construction loans
• Highly organized with strong ability to work independently
• Strong time and task management, and prioritization skills
• Strong relationship building skills with both clients and internal staff
• Must be capable of dealing calmly and professionally with diverse personalities and exercising the highest level of member service and discretion when dealing with…