Call Center Consumer & Mortgage Lending Specialist

Overview

Position Type:
Full Time

Training

Schedule:

MON - FRI 8:00 AM - 5:00 PM

• Monday, Tuesday, Wednesday, Friday: 9:00 AM – 7:00 PM Thursday:
  Off Saturday: 9:00 AM – 1:00 PM
• Monday, Tuesday, Wednesday, Friday: 9:30 AM – 7:30 PM Thursday:
  Off Saturday: 8:00 AM – 12:00 PM
• Monday, Tuesday, Thursday, Friday:9:30 AM – 7:30 PM, Saturday:9:00 AM – 1:00 PM, Wednesday:
  
  Off
• Monday, Wednesday, Thursday, Friday:9:00 AM – 7:00 PM, Saturday:8:00 AM – 12:00 PM, Tuesday:
  
  Off

The MCC Consumer & Mortgage Lending Specialist plays a vital part in providing outstanding member service in accordance with Suncoast Credit Union standards. Provides financial solutions and counseling for Credit Union members and prospective members via the telephone in a timely, accurate, professional, and courteous manner, and respects the confidentiality of members. Presents and explains to members and prospective members the lending products and services provided by the Credit Union and its affiliates.

Assists members in meeting their financial needs by initiating consumer and mortgage loan applications in compliance with the Credit Union’s lending policies and procedures. Also answers member loan inquiries regarding new and existing consumer and mortgage loans. Actively cross-sells Credit Union products and services

• Greets members in a courteous, professional, and timely manner, providing prompt, accurate, and excellent member experience over the phone.
• Performs member verification to protect the members’ confidential information
• Demonstrates good time management skills with regard to calls waiting and loan volume.
• Minimizes hold times and consistently meets adherence standards both daily and monthly.
• Interviews members over the phone to gather information necessary to accurately complete consumer and mortgage loan applications.
• Inputs and processes all consumer and mortgage loan requests efficiently and free from errors.
• Able to provide clear and detailed answers regarding consumer and mortgage lending questions and the loan process.
• Able to determine and explain appropriate products to best meet the member’s needs.
• Understand and articulate loan terms, fees and disclosures to members on consumer and mortgage products.
• Meets monthly personal and organizational goals.
• Ability to calculate and explain complex lending ratios related to consumer and mortgage loans.
• Ability to assess loan applications for possible cross-sells opportunities.
• Grants loan decisions as lending authority allows.
• Prepare and mail Regulation B letters advising members of additional information needed on home equity loans.
• Supporting and demonstrating Suncoast’s Cultural Beliefs.
• Strong knowledge of consumer/mortgage loan policies, procedures & regulatory requirements.
• Takes on the role of mentor to other advocates within department, assisting with skill development and increasing knowledge in products and services.
• Follows proper procedures and policies.
• Process member requests on their mortgage loan accounts, including but not limited to, payments, pay off quotes, re-amortizations, rate reductions, waiving escrows, preparation of amortization schedules, records research and payment corrections.
• Assist member's problem solve and finds ways to save on their current mortgage payments.
• Must be able to educate member's on complex subjects such as simple daily interest and how interest is applied to their mortgage, how payments are calculated.
• Escrow Analysis: explain Tax and Insurance Account Disclosure Statement to members, which can include surplus, shortages and deficiencies and review annual changes to the member’s escrow account.
• Responsible for submitting request for subordinations, partial releases, co-borrower release and mortgage…