Sr. Mortgage Consultant

CommunityAmerica Federal Credit Union; Dallas (TX); Sur place; USD 65 000 - 100 000; Plein temps

Résumé du poste

CommunityAmerica Federal Credit Union in Dallas seeks a Sr. Mortgage Consultant to generate residential loan volume by proactively sourcing external relationships with real estate professionals, builders, and financial planners, guiding members from application to closing.

You will conduct outbound partner meetings, interview borrowers to assess finances and goals, recommend appropriate mortgage products, and maintain clear communication with borrowers, real estate partners, and underwriting

Qualifications

• Outside mortgage sales or loan origination experience preferred.
• Ability to source and develop referral networks with real estate professionals.
• Knowledge of mortgage products and regulatory requirements.

Responsabilités

• Source and develop mortgage loan business from external referral sources.
• Execute outbound sales strategies and participate in local events.
• Interview borrowers to assess financial status and goals.
• Recommend appropriate mortgage products to meet borrower needs.
• Maintain communication with borrowers, partners, and processing teams.
• Manage the loan lifecycle from pre-approval to closing.
• Refer borrowers to internal partners for additional services.
• Monitor market conditions and regulatory changes.

Connaissances

External real estate network

Communication skills

Self-motivation

CRM proficiency

Mortgage LOS / underwriting systems

Regulatory knowledge (RE regs)

Confidentiality

NMLS registration

Formation

High school diploma

Bachelor's degree preferred

Outils

Mortgage LOS

Automated underwriting systems

CRM systems

Description du poste

Sr. Mortgage Consultant

ID 3090

Type: Full-Time

Summary

The Sr. Mortgage Consultant is responsible for generating residential mortgage loan volume by proactively sourcing and developing external business relationships within the real estate and local communities. This role serves as a primary external representative of mortgage loans, and guiding members through the home financing process from application to closing.

Duties & Responsibilities

• Proactively source, cultivate, and develop residential mortgage loan business from a network of external referral sources, including but not limited to, real estate agents, builders, developers, financial planners, and personal spheres of influence.
• Execute outbound sales strategies, conduct face-to-face partner meetings, and participate in local industry and community events to drive loan volume.
• Interview prospective borrowers to analyze financial status, credit history, and long-term financial goals.
• 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, real estate partners, 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.

Education and Experience Requirements

• High school degree or equivalent. Bachelor's degree preferred.
• One (1) - Three (3) years of demonstrated success in outside mortgage sales or loan origination.

Required Knowledge, Skills and Abilities

• Established network of local real estate professionals and referral sources.
• Exceptional communication, public speaking, negotiation, and interpersonal skills.
• High level of self-motivation with the ability to manage an independent, mobile schedule effectively.
• Proficiency in utilizing Mortgage Loan Origination Systems, automated underwriting systems, and Customer Relationship Management (CRM) tools.
• Extensive 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.