Mortgage Relationship Manager

Profile

u003cpu003eChevron Federal Credit Union is one of the top-run credit unions in the country u0026ndash; and one of the largest, with over $3 billion in assets. Yet our corporate culture is not stuffy: the Team Spirit Committee runs fun activities and charitable events throughout the year, and work-life balance, mutual respect, diversity, and providing a voice for every employee are all important to us. As you might imagine, we provide competitive pay and great benefits, including:u003c/pu003enu003culu003enu003cliu003eBonus/incentives for all regular employeesu003c/liu003enu003cliu003e401(k) with 8% company contributionu003c/liu003enu003cliu003eMedical, dental, and vision insurance for employees and dependents paid at 80%u003c/liu003enu003cliu003ePTO and paid sabbaticalsu003c/liu003enu003cliu003eTuition reimbursementu003c/liu003enu003c/ulu003enu003cpu003eu003cstrongu003eGENERAL SUMMARY: u003c/strongu003eManages real estate loan origination process through submission of complete, accurate files.u0026nbsp; Consults with members to structure the most appropriate mortgage solutions to meet their borrowing needs and for which they qualify.u003cstrongu003eu0026nbsp; u003c/strongu003eWithin authorized authority, and in accordance with sound underwriting practices as set out in policy and procedure, examines, evaluates, and recommends for approval/decline borrowersu0026rsquo; applications for credit or extension of lines of credit secured by real property.u0026nbsp; Maintains loan sales pipeline averaging 40-50, including purchase pre-approvals. Maintains member follow-up and submits complete loan files with the departmentu0026rsquo;s Service Level Agreements.u0026nbsp; Represents the Credit Union and solicits mortgage business via phone calls, member branch visits and marketing events as needed to maintain pipeline goals.u0026nbsp; Builds positive relationships with realtors and other financial professionals as directed by Mortgage Lending Management.u003c/pu003enu003cpu003eu003cstrongu003eDUTIES AND RESPONSIBILITIES:u003c/strongu003eu003c/pu003enu003culu003enu003cliu003ePrimary responsibility for managing the relationship with the member as the single point of contact from the initial conversations throughfunding of complete loan files. Responsible to ensure that timely and clear communication is provided to members including provision of standard Credit Union materials as directed by the Mortgage Sales Manager or Mortgage Sales Supervisor from origination and initial underwriting approval through the verification of the final loan terms.u003c/liu003enu003cliu003eInterviews member/borrower to determine needs and loan options. Explains loan program options available under the Credit Unionu0026rsquo;s real estate lending programs. Analyzes potential lending opportunities including consumer loans as appropriate in each lending situation to further assist the borrower as well as increase the Credit Unionu0027s lending portfolio.u003c/liu003enu003cliu003eWorks with member to document income, debt, and credit history; requests documents required to complete application such as income tax return, purchase agreement, and property information, for verification. Verifies accuracy and consistency of specifications on documents, such as title abstract and insurance forms; completes all documentation in accordance with CFCU or secondary market guidelines; provides member with copies of all signed loan documents.u003c/liu003enu003cliu003eUtilizes loan origination system to originate loans. Ensures that loan submissions are complete, accurate, and timely, and compliant with policy and requirements set out in regulation and in secondary market guidelines, if applicable. Presents a complete loan file, along with recommendation for final approval/denial, to Underwriting or to other approving authority for exception loans.u003c/liu003enu003cliu003eAnswers memberu0026rsquo;s questions and obtains information and signatures on authorization forms. Performs follow‑up on pending loan applications such as calling member or other persons to obtain needed information, resolve discrepancies, update member on application process and timing, etc.u003c/liu003enu003cliu003eOther duties as assigned.u003c/liu003enu003c/ulu003enu003cpu003eu003cstrongu003eQUALIFICATION REQUIREMENTS: u003c/strongu003eu003cemu003eReasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.u003c/emu003eu003c/pu003enu003cpu003eu003cstrongu003eEDUCATION AND EXPERIENCE:u003c/strongu003eu003c/pu003enu003culu003enu003cliu003eAssociateu0027s degree (A. A.) or equivalent from accredited two-year college or technical school.u003c/liu003enu003cliu003eTwo to five years related experience and/or training in real estate lending.u003c/liu003enu003cliu003eEquivalent combination of education and experience may be substituted.u003c/liu003enu003c/ulu003enu003cpu003eu003cstrongu003eKNOWLEDGE and SKILLS:u003c/strongu003eu003c/pu003enu003culu003enu003cliu003eAbility to effectively use all applicable banking and loan systems.u003c/liu003enu003cliu003eAbility to quickly learn specialized software applications.u003c/liu003enu003cliu003eAbility to maintain complete confidentiality of member, employee, and Credit Union information.u003c/liu003enu003cliu003eAbility to interpret a variety of instructions furnished in written form, including but not limited to Loan Policy and Procedural Manuals, Regulation Z, The Fair Credit Reporting Act, Real Estate Settlement Procedures Act and other mortgage lending regulations.u003c/liu003enu003cliu003eExcellent organizational skills.u003c/liu003enu003cliu003eExcellent customer service skills.u003c/liu003enu003c/ulu003enu003cpu003eu003cstrongu003ePHYSICAL DEMANDS: u003c/strongu003eu003cemu003eReasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.u003c/emu003eu003c/pu003enu003culu003enu003cliu003eWork involves standing and walking for brief periods of time, but most duties are performed from a seated position.u003c/liu003enu003cliu003eWork involves extensive use of computers, up to eight hours per day.u003c/liu003enu003cliu003eMay include occasional pushing, pulling, or carrying objects weighing up to 20 pounds such as files and documents.u003c/liu003enu003cliu003eMust be able to speak on the telephone for several hours per day.u003c/liu003enu003c/ulu003enu003cpu003eu003cemu003eWe welcome all qualified applicants and pride ourselves on our diversity. Reasonable accommodations will be made to enable individuals with disabilities to perform the essential functions of the positionu003c/emu003eu003c/pu003e,EqualOpportunityEmployerDescription:null,PayTransparencyPolicyStatement:null,MatchScore:1.0,HasApplied:false,ApplicationJobBoardName:null,ApplicationJobBoardId:null,DateApplied:null,Salaried:true,CompensationAmount:{Code:USD,Value:75615.00},PublishingStatus:1,Links:[],BehaviorCriteria:[],MotivationCriteria:[],EducationCriteria:[{Required:false,Related:true,DegreeId:a87b2395-545d-4a35-9b81-78dec6487a1a,DegreeName:Associates,MajorId:00000000-0000-0000-0000-000000000000,MajorName:null}],LicenseAndCertificationCriteria:[],SkillCriteria:[],WorkExperienceCriteria:[],JobBoardMemberships:[{JobBoardId:604b85b9-c229-47a8-8319-5b9130e7bd81,PublishedInternal:false,PublishedExternal:true,ExternalPostedDate:2020-12-16T23:39:51.297Z,InternalPostedDate:null},{JobBoardId:65f2b935-3cc9-4580-9897-1e036cf31cd3,PublishedInternal:true,PublishedExternal:false,ExternalPostedDate:null,InternalPostedDate:2020-12-16T23:39:51.297Z}],AssessmentUri:null,AssessmentStatus:null,OpportunityIsClosed:false,TravelRequired:null,TravelDescription:null,SupervisorName:null,Assessments:[],ApplicationId:null});

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