Financial Product Product Sales Multiple Branch Locations, United States Of America Kenosha, Wisconsin Racine, Wisconsin Milwaukee, WI Janesville, WI Beloit, WI
Description
Home Mortgage Representative Position Summary:
Offer information about credit union profile home loan services and products to users relating to all credit union policies and procedures, and Federal and State regulations. Collate and evaluate specific monetary information in support of loan decisioning procedure. Evaluate and suggest loan approvals, denials, and counteroffers in relation to specific circumstances and information. Process needed forms and documentation that is related home mortgage services and products. Improve credit union products. Lovers to accept or reject loan requests centered on company and analysis home loan policies. Works together home loan help staff to make sure prompt reaction to user inquires, and make sure a standard of solution quality.
Home loan Representative Major Duties and Duties:
- Interview home mortgage applicants. Assist user in finishing loan requests on the phone and/or electronically.
- Collate, analyze, and assess information & documentation to get applications.
- Evaluate debtor Character, Collateral, ability to Repay, and Credit place as an element of loan decisioning procedure based upon specific circumstances.
- Determine debt-to-income ratios, collateral needs, and payment plans on loan candidates.
- Correspond with people, applicants, and creditors to resolve concerns application information that is regarding.
- See community and company connections to advertise and offer MCU’s solutions, and develop financing business successfully.
- Offer home elevators profile real estate loan items that best meet with the user’s needs that are individual circumstances.
- Suggest the dwelling of loan rates, terms, and quantities for individual borrowers.
- Suggest loan approval/denials, counter-offers, and deviations from typical loan pricing and structure.
- Prepare loan paperwork for processing and underwriting, ensuring its complete and accurate. Manage loan closing procedure with clients.
- Check with users and also the general public about asset purchase, credit administration, budgeting, financial obligation restructuring, and economic preparation dilemmas.
- Notify applicant of loan choice. Inform prospective borrowers of loan commitments.
- Review laws because they affect loan that is installment agreements.
- Assist users with making installment loans Wyoming re payment plans on loans.
- Communicate with people in addition to general public to get loan requests. Community with community associates so that you can market home loan company growth.
- Lovers along with other staff by moving possibilities to develop lending that is additional deposit company in their mind as possibilities arise, and following through to home loan leads passed away off their workers.
- Work effectively along with other divisions to make certain proper procedure, record retention, and information gathering recommendations and procedures are followed.
- Handle account that is delinquent when it comes to credit union, including collections work via phone and/or in-person. Suggest loan adjustments and/or financial obligation restructuring as appropriate based on borrower circumstances.
- Promote other aquatic Enterprise products.
Home Mortgage Representative Objectives:
- Offer member that is exceptional to the users.
- Adhere to all relevant policies, procedures, and laws.
- Work proactively to create relationships required to fulfill set objectives for the positioning.
- Efficiently help members as well as the public through the mortgage approval and application procedure, educating them about loan dilemmas as required.
- Efficiently prepare loan documents for processing, ensuring it really is accurate and complete.
- Help in handling danger through diligence when you look at the information gathering procedure.
- Offer timely, service-oriented feedback to candidates about the status of these loans.
- Assist manage delinquency of assigned loan files via collections task.
- Perform assigned loan delinquency and prospect phone calls to help in fulfilling goals for the positioning.
- Get access to transport on need in order to go customer and merchant appointments away from workplace as required.
Real estate loan Representative Knowledge, Techniques and Abilities:
- Familiarity with the home mortgage application procedure and customer credit.
- Capacity to collate and evaluate specific debtor information that is financial.
- Assessment of data, and power to make tips regarding loan prices, framework, quantities, and terms as appropriate.
- Power to suggest loan approvals, denial, and counteroffers in relation to analysis of specific facts and circumstances.
- Power to build rapport, describing item features & benefits, and persuasively communicate.
- Skills in developing company.
- Sound Computer computing abilities, including MS-Office and application for the loan software.
- Strong issue resolving abilities. Capacity to build credibility and trust.
- Past customer financing experience at aquatic Credit Union preferred.
Home Loan Representative Experience:
- Prior experience gathering data, analyzing consumer economic information, and making economic product guidelines.
- Past company development experience that is/networking.
- Previous Mortgage/Consumer Lending, Banking, or product product Sales experience desired.
- Experience building companies of community/industry associates to aid company goals a bonus.
- Experience employed in a real face to handle consumer service/sales environment.
- An archive of success in meeting set, external business objectives.
Real Estate Loan Representative Education: Twelfth Grade Diploma. College Degree in operation Administration, advertising, product Sales, or Finance desired.