Loan Representative

PRIMARY OBJECTIVE OF POSITION Partner with Home Loan Officer with sales and service on home loan applications. Follow up with home loan applicants and collect loan documents to submit loan to underwriting and processing. Support Home Loan Officer with routine service calls and follow ups.

ESSENTIAL JOB FUNCTIONS Partner with Home Loan Officer in collecting required supporting loan documentation, analyzing credit and financial data, and pipeline maintenance.

Provide a consultative sales approach to meet our member’s financial needs by proactively identifying opportunities to cross-sell and up-sell beneficial products and services.

Maintain excellence in delivering member service and exceeding the credit union and department service standards.

Consistently meet or exceed sales goals as set by management by effectively and efficiently cross-selling credit union products and services to both current and potential members.

Assist with the preparation and loan structure presentation to mortgage loan underwriter.

Fill in for Home Loan Representative or Home Loan Officer at branch locations which may include travel to and from other branch locations within the region.

Assist processor, mortgage loan underwriter and loan administration to ensure all loan conditions are satisfied.

Promote a teamwork attitude to ensure all credit union goals and objectives are achieved.

Keep member informed throughout loan process and assist with closing procedures.

Ensure the protection of the credit unions interest in matters of adequate documentation and adherence to policies and the various laws and regulations that apply.

Attend all required lending trainings and meetings.

Assist staff with mortgage servicing and collection efforts as needed.

Offer and cross sell all credit union services and products.

All other duties assigned.

RELATIONSHIPS AND CONTACTS Supervise Approximately:
None

Reports To:

Home Loan Sales Assistant Manager – Division Contacts:
Frequent contact with members, staff and other departments by face to face, telephone and email.

EDUCATION High School Diploma or GED.EXPERIENCE Three (3) years experience in assessing member financial needs in a high-volume sales or service goal driven environment

One (1) year mortgage/real estate or commercial lending experience preferred

Bilingual ability preferred PHYSICAL REQUIREMENTS Ability to work in a fast paced, fluid environment and be held to minimum production standards. Candidate must be able to sit for long periods of time.

The position involves wrist/hand/fingers manipulation; movement is inherent in the job as well as restriction to workspace for prolonged periods.

Vision abilities required by this job include close vision for frequent viewing of computer monitor and review of documents.

Must have a valid driver’s license, and the ability to drive a vehicle for business related purposes.

Must have the ability to communicate verbally with staff and members.

MENTAL REQUIREMENTS Perform job functions independently or with limited supervision and work effectively either on own or as part of a team.

Must have a strong ability to read and carry out various written instructions and follow oral instructions.

Must have a strong ability to speak clearly and deliver information in a logical and understandable sequence.

Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of member service and discretion when dealing with the public.

Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace.

Must be able to effectively handle multiple, simultaneous,…