Job Description

OVERVIEW:

UNIFY Financial Credit Union is one of the nation’s largest 100 credit unions with a reputation for being financially sound and growth-oriented. We’re expanding rapidly to meet the needs of a growing member base. At UNIFY, our team members work together to strive toward a common goal, “providing superior service to our members.” In doing so, we promote a culture where your ideas matter, your growth matters, and you matter. We encourage all team members to challenge and encourage themselves and their teammates to work smarter and to be more successful

SUMMARY:

Provides telephone coverage for all INBOUND real estate loan inquiries from members. Responsible for the origination of Real Estate loans.

RESPONSIBILITIES:

• Provides personal service to members by assisting with Real Estate loan products and services in a caring, friendly, courteous and professional manner.
• Complies with all requirements of the Real Estate Department's policies and procedures.
• For purchase pre-approvals, follow-up with the member is required on a regular basis (at least once weekly, unless instructed otherwise) until the member has made the decision to either commit to financing or not to proceed with UNIFY FCU in obtaining a new home.
• Provides loan package to the set-up team for review and pre-submission audit. Works with loan specialists, processors and underwriters to obtain all requisite loan documentation, promoting communication and teamwork.
• Conforms to compliance regulations including 3-day disclosures (TILA) / RESPA, and completion of assigned ALLREG courses. Responsible for monitoring Reg-B compliance.
• Manages own mortgage loan pipeline, ensuring regular follow-up with members.
• Ensures that all necessary disclosures are sent to member according to regulations.
• Fully informs member of all attributes of loan process and timelines.
• Advises members of rate lock policy. Initiates member rate lock requests.
• Collects and analyzes personal information regarding the member's income, assets, investments and debts, using it to assess the member's credit and financial history, as well as to explain the loan process to the member. Utilizes software to determine how much a member can afford to borrow and be able to pay back. Submits applications using real estate's point of sale origination system.
• Provides consultative services to members regarding credit union products and services by assessing the member's needs, addressing their concerns and gaining agreement.
• Responsible for counseling and pre-qualifying members for mortgage and equity loan requests from assigned dispatch, voicemail, and home equity loan referral queue.
• Makes loan product recommendations to members, understanding various rate/point scenarios. Understands all aspects of mortgage loan origination, including product, underwriting, guidelines, compliance and documentation requirements.
• Ensures full compliance with UNIFY Financial Credit Union service standards, policies, and procedures; and with the Bank Secrecy Act and other relevant laws and regulations.
• Performs other duties as assigned.

QUALIFICATIONS:

• High school diploma plus 1 to 3 years of related experience required; or equivalent combination of education and experience.
• Mortgage and equity loan origination experience in a real estate call center environment.
• Knowledge of loan origination guidelines as published by FNMA and FHLMC.
• Must register with the Nationwide Mortgage Licensing System and Registry as a mortgage loan originator in accordance with the Secure and Fair Enforcement for Mortgage Licensing Act (the "SAFE Act"). Must maintain annual review and certification.
• Must have proficiency with MS Office, including Outlook, Word, and Excel.
• Excellent interpersonal and communication skills, including both verbally and in writing.
• Needs to be comfortable working in a fast-paced and dynamic workplace.

SEE THE UNIFY DIFFERENCE!

At UNIFY, we believe that each team member is a valued contributor. Through a teamwork approach, we strive to provide a positive and rewarding workplace that helps our team succeed. UNIFY provides a work environment which promotes learning, growth, and the opportunity for team members to challenge themselves.

Competitive Compensation and Excellent Benefits Package* Includes:

Medical (PPO/HMO), Prescription, Dental (PPO/DMO), Vision, Life, and Short- and Long-Term Disability Insurance Dependent and Medical Care - Flexible Spending Accounts Vacation, Sick, Personal and Holiday Pay 401(K) Plan with employer match Education reimbursement for approved programs UNIFY banking privileges for you and your family *All programs subject to review and change

UNIFY is proud to be a drug-free, equal-opportunity employer. For more information on UNIFY, visit us at www.unifyfcu.com

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