SUMMARY:

The purpose of the position is to evaluate and analyze the financial situation of current and prospective customers. Provide counseling and recommendations on appropriate mortgage product(s) that best suits the current needs of the customers.

RESPONSIBILITIES:

· Independently generates and pursues leads for the Mortgage Company’s products and services.

· Assume responsibility for the effective and professional completion of loan origination functions by interviewing mortgage loan applicants, completing mortgage loan applications, and processing preliminary documentation on loan requests.

· Develops external referral sources with area realtors, brokers, builders, and other potential referral sources.

· Discuss loan alternatives, credit criteria, interest rates, and loan documentation in such a manner as to elicit positive responses from Members.

· Notify Member if loan is referred back to Officer because of problem ratios or credit ratings.

· Counsel Members whose loan requests were denied, explaining reasons and alternatives.

· Council Members regarding money management and financial matters.

· Complete lending operations in accordance with established Credit Union policies and legal requirements.

· Assume responsibility for establishing and maintaining effective and professional business relations with members, Realtors and building professionals.

· Make sales calls to potential and existing Members to retain current business and to develop new loans.

· Represent the Mortgage Company and Credit Union in the community and spend at least 80% of time outside the office generating new leads, establishing new relationships, and networking.

· Cross-sell products and services by providing general information and directing prospective Members to a Member Account Representative.

· Attend and speak at Home Buyer Seminars, participate in Realtors Focus Groups and meetings.

· Stay informed regarding changes in lending standards, related legal requirements, and trends in local real estate and competitive market.

· Adopt and meet all assigned performance management goals and objectives.