Sr. Mortgage Consultant

CommunityAmerica Federal Credit Union; St. Louis (MO); On-site; USD 70,000 - 110,000; Full time

Job summary

CommunityAmerica Federal Credit Union seeks a Sr. Mortgage Consultant to drive residential loan volume by proactively sourcing external partners and guiding members through the home financing process from application to closing.

You will build and maintain relationships with real estate agents, builders, and financial professionals, coordinate with processing and underwriting, and ensure a smooth member experience while meeting production goals.

Qualifications

• High school degree or equivalent; Bachelor's preferred.
• 1–3 years outside mortgage sales or loan origination experience.
• Established local real estate professional network and referral sources.
• Proficiency with Mortgage Loan Origination Systems and CRM tools.
• Knowledge of mortgage regulations (RESP A/TRID/FHA).
• NMLS registration or ability to obtain.

Responsibilities

• Proactively source and develop mortgage loan business from external partners (agents, builders, financial planners).
• Execute outbound sales, conduct partner meetings, participate in local events to drive loan volume.
• Interview borrowers to assess financial status and goals.
• Recommend mortgage products tailored to borrowers' needs.
• Maintain clear communication with borrowers, partners, and processing teams.

Skills

Real estate network

Communication

Public speaking

Negotiation

CRM proficiency

NMLS registration

Bonded

Confidentiality

Education

High school degree or equivalent

Bachelor's degree preferred

Tools

Mortgage LOS

Automated underwriting systems

CRM tools

Job description

Sr. Mortgage Consultant

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.