Mortgage Lending Consultant

Job Overview

Dupaco Community Credit Union is a leading provider of mortgage solutions dedicated to helping individuals achieve their dream of homeownership. With a commitment to service and a wide range of mortgage products, we strive to make the home buying experience smooth and accessible.

We are seeking a motivated Mortgage Lending Consultant to join our dynamic team. The ideal candidate will have a proven track record in mortgage sales and a deep understanding of the mortgage industry. As a Mortgage Lending Consultant, you will be responsible for guiding members through the mortgage application process, from pre-qualification to closing. You will work closely with borrowers to assess their financial situation, present mortgage options, and help them choose the right loan product to secure their new home.

#DupacoDifference.  https://www.youtube.com/watch?v=Oy_rZxNXcC8

You Will:

• Recognize member and potential member financial and credit needs and educate them on appropriate credit union products and services.
• Maintain regular contact with members in order to proactively answer and resolve mortgage questions as well as area attorneys, realtors, insurance agents and others obtaining information.
• Interview members and non-members applying for residential mortgage loans, ensuring all necessary documents are collected and reviewed. Educate members on mortgage options and help them choose the most appropriate loan product.
• Analyze members' financial position to determine if it meets minimum loan criteria established by the secondary market guidelines or by the credit union.
• Provide home-buying education, credit counseling, and mortgage makeovers to put members in a better financial position.
• Communicate figures and loan terms effectively at closings with buyers, sellers, real estate agents, and third-party service providers such as attorneys and title companies.
• Utilize technology both to improve member experience and maximize efficiencies.
• Answer general mortgage loan questions (costs, payments, rates, programs, etc.) as applicable.
• Maintain thorough knowledge of the requirements and features of the credit union loan programs to provide related information to applicants.
• Maintain general knowledge on state and local government funded programs which utilize grants and interest free loans to assist borrowers.
• Serve as primary contact for mortgage loan questions through the mortgage loan process.
• Create connections and maintain positive professional relationships with real estate agents, attorneys, and builders through networking and community involvement.
• Ensure compliance with all federal and state regulations governing residential mortgage lending.
• Perform other duties as assigned.

You’ll Need:

• Associate’s degree in related field or equivalent experience
• Proven experience as a Mortgage Lender or similar role in the mortgage industry.
• Bilingual abilities in Spanish and English are a plus.
• Excellent interpersonal and communication skills.
• Strong sales ability with a commitment to member service.
• Ability to work independently and as part of a team.
• Current NMLS (National Mortgage Licensing System) registration or ability to obtain it.