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

Golden-1-Credit-Union; Carlsbad (CA); Remote; USD 21,000 - 28,000; Full time

Job summary

Golden 1 Credit Union is seeking a Home Loan Advisor - External to originate mortgage loans through self-sourced business and relationships. You will discuss product options by phone, email, or in person, assist with selections, disclosures, and lock requests, and analyze financial data to identify underwriting concerns.

You will manage the loan pipeline, ensure timely processing, and maintain clear communication with applicants.

Qualifications

• HS Diploma or GED required or equivalent work experience.
• Bachelor’s Degree preferred.

Responsibilities

• Originate mortgage loans from self-sourced business and personal relationships by maintaining exceptional service levels.
• Discuss mortgage product options via phone, email or in person with borrowers.
• Assist member with product selection, lock requests and disclosures as required by law.
• Obtain and analyze financial and credit data; assess mortgage applications for underwriting concerns.
• Maintain understanding of state and federal laws related to credit union compliance (RESPA, HPML, HOEPA, ATR/QM).
• Manage mortgage loan pipeline to ensure timely, accurate processing.
• Oversee loan process from origination to close with ongoing applicant communication.
• Coordinate with mortgage resource center and operations to move loans forward.
• Notate conversations in LOS to ensure proper communication.

Skills

Mortgage knowledge

Customer service

Education

High School diploma or GED

Bachelor’s degree preferred

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.

QUALIFICATIONS 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.

Please view the full job description detailing the complete list of duties and expectations for this role by clicking or copying this URL into your browser: https://golden1.jdxpert.com/ShowJob.aspx?EntityID=2&id=2012

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.