RE Branch Loan Consultant

.RE Branch Loan Consultant page is loaded## RE Branch Loan Consultant remote type:
Onsite locations:
Valencia, CA:
Palmdale, CA:
Lancaster, CAtime type:
Full time posted on:
Posted 24 Days Agojob requisition :
JR105004

We’re always looking for diverse, talented, service-oriented people to join our exceptional team.

RE Branch Loan Consultant
** Scheduled Weekly

Hours:

** 40

What You’ll Be Doing This position is a base plus commission role. The base pay is $23.08 per hour.

The Real Estate Branch Loan Consultant (BLC) will provide high-level support within Real Estate channels, including branches, and facilitate home-buying workshops. BLCs will assist and oversee critical origination frontline procedures, ensuring the delivery of world-class personal service to our Members. The BLC's role is pivotal in guiding Members through the home-buying journey and maintaining exceptional service standards.
* Member Service Excellence:
Deliver world-class personal service by assisting Members with Real Estate loan products and services in a caring, friendly, courteous, and professional manner.
* Acting as Trusted Advisor:
Demonstrate willingness to serve and advocate for the Member. Provide tailored financial solutions to Members, addressing their needs and concerns regarding credit union products and services and gaining agreement. Counsel and pre-qualify Members for mortgage loans and home equity loan requests.
* Financial Assessment:
Analyze Members’ financial information, including income, assets, investments, and debts, to evaluate their credit profile while acting as a trusted advisor. Utilize software to determine the Member’s borrowing capacity and repayment ability and submit loan applications through the real estate origination system.
* Product Recommendation:
Makes informed loan product recommendations to Members by understanding various rate/point scenarios and all aspects of mortgage loan origination, including underwriting guidelines, compliance, and documentation requirements.
* Pre-Approvals and Lead Follow-up:
Conduct regular follow-ups (as determined) with Members on leads/purchase pre-approvals, until the Member has decided to either commit to financing or not to proceed with Schools First FCU for their loan.
* Production:
Consistently meet or exceed production targets set by management, ensuring efficiency and quality at all tasks.
* Pipeline Management:
Manage a mortgage loan and equity pipeline, maintaining consistent documentation and communication with Members until they decide to proceed or not with obtaining a home loan. Manages a Home Equity pipeline when assisting with tandem loans or overflow volume.
* Documentation Management:
Collect necessary documentation from Members and provide the loan disclosure package. Collaborate with loan processors and underwriters to ensure all required supporting documentation is obtained while fostering effective communication and teamwork.
* Disclosure Management:
Ensures all necessary disclosures are sent to Members in compliance with regulations, fully informing them of the loan process and timelines.
* Rate Lock Initiation:
Guide Members through pricing options and rate lock policy and initiate rate lock requests as needed.
* Honesty and Integrity:
Uphold the highest professional standards by acting with integrity and making the right decisions, even when not under direct supervision. Foster a culture of trust by earning the confidence of both members and fellow team members through reliable and ethical behavior.
* Compliance Adherence:
Ensure compliance with all requirements of the Real Estate Department’s Standard Operating Procedures (SOP). Annual review and certification. Responsible for monitoring and staying compliant, including (TIL) RESPA and Reg-B regulations.
* Assist Management:
Help management achieve department goals, including supporting the call center. Provide technical guidance and serve as a resource for new branch loan consultants. Engage in job shadowing to offer practical insights.
* Regular Meetings:
Meet with management regularly to stay aligned and informed on Credit union vision and initiatives.  Additional Job Functions
* Performs other duties…