Home Loan Carlsbad - Home Loan Advisor - External (Carlsbad)

Golden 1 Credit Union; Carlsbad (CA); Remote; USD 19,000 - 27,000; Full time

Job summary

Golden 1 Credit Union in Carlsbad, CA is seeking a Home Loan Advisor - External who will originate mortgage loans from self-sourced relationships, discuss products by phone, email or in person, and guide members through the selection and disclosures required by law.

You will analyze financial data, manage the loan pipeline, comply with RESPA and related regulations, and provide ongoing updates to applicants from origination to close.

Qualifications

• HS Diploma or GED required; bachelor’s degree preferred.
• 5+ years in a mortgage-related function with at least 2 years of self-sourced business.

Responsibilities

• Originate mortgage loans from self-sourced relationships, discussing options by phone, email or in person.
• Assist members with product selection, lock requests and required disclosures.
• Analyze financial and credit data to identify underwriting concerns upfront.
• Maintain knowledge of state/federal laws (RESPA, HPML, HOEPA, ATR/QM, AML) related to the role.
• Manage mortgage loan pipeline to ensure timely processing and high service levels.
• Oversee loan process from origination to close and communicate with applicants.
• Collaborate with mortgage resource center and operations to move loans forward.
• Notate conversations with members in the LOS for clear communication.

Skills

Communication

Negotiation

Customer service

Time management

Education

HS Diploma/GED

Bachelor’s Degree preferred

Tools

LOS

Lead management system

Job description

Job Title: Home Loan Advisor - External

Status: Non-exempt

Reports to: Manager - External Home Loan Production

Department: Home Loans Carlsbad

Job Code: 3101

Pay Range: $16.90 Hourly

Location: Remote-in-Field in Carlsbad, CA

Who We Are

Golden 1 Credit Union is among the top credit unions in the country. As a member-owned, not-for-profit cooperative, Golden 1 is guided by the credit union philosophy of “people helping people.” We are committed to empowering our members and uplifting our communities as we create a more equitable and financially inclusive California. We welcome all who embrace our Core Values.

Who You Are

You are known for approaching challenges with confidence, professionalism, and care. You excel at helping members resolve financial difficulties through communication, negotiation, and solutions that balance member needs with organizational objectives.

What You'll Do

• Originate mortgage loans from self-sourced business and personal relationships by maintaining exceptional service levels and administering a lead management system. Discuss mortgage product options via phone, email or in person with prospective and current borrowers.
• Assist the member with an appropriate product selection, lock request and provide applicable disclosures as required by law, and dictated by credit union processes.
• Obtain and analyze pertinent financial and credit data. Complete an initial assessment of the mortgage application including a review of credit, financial data and collateral information to identify underwriting concerns upfront.
• Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including RESPA, HPML, HOEPA, HCML, ATR/QM, bank secrecy and anti-money laundering laws appropriate to the position.
• Manage mortgage loan pipeline closely to ensure loans are attended to promptly, efficiently and accurately to ensure exceptional service by providing a market leading turn time on applications.
• Oversee the loan process from origination to close and provide on-going communication to applicants. This includes renegotiating the interest rate and loan terms due to a change in the initial qualification caused by collateral, income or financial data verification. Demonstrate the ability to delicately handle difficult situations while maintaining complete professionalism.
• Work closely with the mortgage resource center and operations staff to ensure the mortgage loan is being moved along in accordance with the credit union standards.
• Consistently notate conversations with member in the LOS to ensure proper communication.

Qualificiations And Preferences

• H.S. Diploma or General Education Degree (GED) or equivalent work experience preferred
• Bachelor’s Degree preferred
• 5+ years in a mortgage related function with at least two years of generating self-sourced business required

Why Join Us

Golden 1 Credit Union provides its employees a market-competitive and internally equitable total rewards compensation package through a variety of programs. These programs are designed to attract, motivate, and retain employees that drive and support the achievement of Our Mission, Vision, and Strategic Goals. The Credit Union is committed a total rewards philosophy built on; a comprehensive compensation package, well-being and work-life balance, career development and growth, rewards and recognition, and a commitment to Diversity, Equity and Inclusion. We believe in fostering a workplace where every employee is recognized, valued, and motivated to contribute their best.

Disclaimer/Intent And Function Of Job Descriptions

The above information on this description has been designed to indicate the general nature and level of work performed by team members within this classification. Because the nature of positions and job functions can change over time, this job description is not designed to contain or be interpreted as a comprehensive inventory of all essential functions, duties, responsibilities and qualifications requirements of team members assigned to this job. Job duties may be changed or modified in the Credit Union’s discretion. The Credit Union will keep team members updated on key functions, duties, and requirements of their position by communications from the Credit Union and by updating the job description from time to time. Any team member with questions about the nature of their job duties is encouraged to consult with their supervisor.