Sr. Mortgage Advisor

CommunityAmerica Federal Credit Union; Frisco (TX); On-site; USD 70,000 - 120,000; Full time

Job summary

CommunityAmerica Federal Credit Union is seeking a Sr. Mortgage Advisor to serve as the residential mortgage expert within our branch network.

You will guide members through the financing process and align lending products with their long-term goals. In this role, you will manage internal referrals, develop external relationships, and maintain clear communication with borrowers and partners to ensure a smooth pre-approval to closing experience.

Qualifications

• Exceptional communication, public speaking, negotiation, and interpersonal skills.
• Proficiency with Mortgage Loan Origination Systems, automated underwriting systems, and CRM tools.
• Knowledge of real estate regs including RESPA, TRID, Fair Housing and FCRA.

Responsibilities

• Serve as the primary mortgage point of contact for assigned branches and collaborate with branch staff.
• Follow up on internal leads and cross-sell opportunities from branch personnel.
• Educate branch staff on mortgage products, promotions, and qualification criteria.

Skills

Communication skills

Public speaking

Negotiation

Interpersonal skills

Education

High school degree

Bachelor's degree preferred

Tools

Mortgage LOS

Automated underwriting systems

CRM software

Job description

Sr. Mortgage Advisor

Full-Time

Summary

TThe Sr. Mortgage Advisor serves as the dedicated residential mortgage expert within our credit union branch network. This role primarily focuses on servicing warm internal referrals and walk-in traffic generated by branch partners (Personal Bankers, Branch Managers, etc.), while also developing external relationships to generate external leads within the local community. The MLO guides members through the entire mortgage financing process, aligning credit union lending products with each member's long-term financial goals.

Duties & Responsibilities

• Serve as the primary mortgage point of contact for assigned credit union branches, partnering daily with branch staff to identify members with home financing needs.
• Promptly follow up on, track, and convert warm internal leads and cross-sell opportunities generated by branch personnel.
• Educate branch staff regularly on credit union mortgage products, promotions, and qualification criteria to optimize internal referral pipelines.
• Attend local networking events, open houses, and community functions to build an independent referral network and drive external loan volume.
• Conduct thorough financial consultations with members to analyze credit profiles, income, debt-to-income (DTI) ratios, and asset documentation.
• Recommend appropriate credit union mortgage loan products to enable borrowers to make an informed decision tailored to meet their specific needs.
• Maintain clear, consistent communication with borrowers, branch partners, real estate agents, and internal processing/underwriting teams throughout the loan lifecycle.
• Ensure a seamless member experience by managing expectations and resolving issues proactively from pre-approval to closing.
• Identify opportunities to expand borrower relationships by proactively referring them to appropriate internal branch partners for financial services (e.g. retail banking, investments, or insurance).
• Monitor local real estate market conditions, competitor offerings, and economic trends to identify growth opportunities.
• Maintain thorough knowledge of federal, state, and institutional lending regulations, including RESPA, TRID, and fair lending laws.
• Achieve or exceed monthly and annual production goals established for origination volume, pull-through ratios, and member satisfaction scores.
• Perform all other duties as assigned.

Requirements

Education and Experience Requirements

• High school degree or equivalent. Bachelor's degree preferred.
• One (1) - Three (3) years of Retail Banking or Mortgage experience preferred.

Required Knowledge, Skills and Abilities

• Exceptional communication, public speaking, negotiation, and interpersonal skills.
• Proficiency in utilizing Mortgage Loan Origination Systems, automated underwriting systems, and Customer Relationship Management (CRM) tools.
• Knowledge of regulations governing real estate, including Regulations B, C, X, Z, and the Fair Housing Act and Fair Credit Reporting Act.
• Ability to maintain a high level of confidentiality.
• Must be able to be bonded.
• Must have or be able to obtain NMLS registration.