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Mortgage Loan Consultant

Company: Suncoast Schools Federal Credit Union
Location: Fort Myers
Posted on: May 16, 2019

Job Description:

Duties and Responsibilities* Interviews members and inputs accurate information about applicant(s) in mortgage and consumer loan origination systems. Takes ownership of the loan request.* Takes ownership of applications from internet and branch channels. Contacts member on each mortgage file according to Suncoast service standards. Works closely with members to ensure accuracy and integrity of submitted data. Discusses details and gathers additional information necessary to ensure timely loan decisions.* Explains Loan Estimate and other preliminary disclosures and documents mailed to member, along with instructions for next steps for the member, Suncoast, and if applicable, other stakeholders. Ensures member's understanding and provides or obtains answers to all their questions.* Communicates with member and other stakeholders throughout decision making process.* Reviews and analyzes all documentation received to determine acceptability based on portfolio or investor underwriting guidelines.* Uploads all documents to origination or Suncoast imaging system.* Submits accurate application with required supporting documentation to underwriter along with recommendation for approval or denial. Serves as member advocate to ensure all information necessary to make quality decision is documented for the underwriter's review.* Notifies members of loan decisions by phone and by mail, including preparation and mailing of approval and denial letters. May also prepare and mail Regulation B letters to advise members of additional information required to make a decision.* Completes Home Mortgage Disclosure Act government monitoring information and records accurate data in origination systems for reporting purposes.* Produces updated Loan Estimate based on qualified change of circumstances and explains contents of same, which can include, but will not be limited to, term of loan, rate, APR, closing costs, payment options, variable rate plans, and documentation requirements. Obtains borrower's Intent to Proceed before moving the file to processing.* Uses daily reports produced by origination system to keep status of assigned files current.* Complies with internal departmental policy and procedure regarding productivity and response time.* Assists with review of tax returns and verifications of income.* Cross-sells other Credit Union products and services, when applicable.* Maintains knowledge and understanding of current mortgage product, regulatory compliance, and investor guidelines.* Attends job-specific training classes as requested by manager. This includes, but is not limited to, BSA/AML Compliance Training and understanding employee's role in maintaining an effective BSA/AML compliance program, along with completing the FACT Act Red Flag training.Minimum Education, Experience and Skill Requirements* High school diploma or equivalent. Bachelor's degree in a business-related field, or PCUE or CCUE designation, desired.* 4 or more years progressively responsible experience in lending with a financial institution.* Able to prioritize tasks, deal effectively with competing and changing priorities, and meet deadlines. Accurate, detail-oriented, and organized.* Good knowledge and understanding of Credit Union products, services, policies, and procedures, especially as they apply to mortgage lending.* Good knowledge and understanding of regulatory compliance necessary to successfully perform job responsibilities. This includes, but is not limited to, TRID HMDA, ECOA, FNMA and PMI.* Good knowledge and understanding of all Credit Union computer systems and software programs required to perform job duties.* Excellent verbal and written communication skills and interpersonal skills, including phone skills, in order to interact professionally and effectively with members and staff.* Must be able to work under minimal supervision.* Must be able to maintain a high level of confidentiality.Safe Act StatementThis position requires the employee to register as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry (NMLS) and obtain a unique identifier from the Registry before engaging in mortgage loan originator activities, to maintain and renew that registration on an annual basis, to update registration information with the Registry on a timely basis, and to provide that unique identifier to consumers as required by applicable SAFE Act regulations and Suncoast Credit Union policies and procedures.

Keywords: Suncoast Schools Federal Credit Union, Fort Myers , Mortgage Loan Consultant, Other , Fort Myers, Florida

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