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Digital Home Loan Consultant

Company: Sikorsky Financial Credit Union
Location: Stratford
Posted on: August 6, 2022

Job Description:

Job Description Why Join the Sikorsky Credit Union Team?Sikorsky Credit Union has been named the #1 Credit Union in Connecticut in 2021 and 2020. We are one of the largest credit unions in the state, with over $1 billion in assets, and we continue to grow! If you are passionate about helping people achieve their financial goals and want to make a difference in the local community, we want to hear from you! We are looking for talented people to help us improve the banking experience for our valued members. Working at Sikorsky Credit Union has its benefits. You'll enjoy an awesome work-life balance, competitive pay, and an excellent benefits package that includes paid-time off, medical/dental, 401K plan with company match, tuition reimbursement and more! Please check out the details below to learn more about this position. Position Title:Digital Home Loan Consultant FLSA:Non-ExemptReport to: Home Loan Sales Manager

Dept Unit:Mortgage Lending

General Summary:The Digital Home Loan Consultant (DHLC) originates mortgage and home equity loans in accordance with all credit union program guidelines, policies, and procedures. The DHLC provides expert advice to prospects and members choosing to conduct business through the credit union's digital platform or over the phone. The primary role of the DHLC is to convert leads into applications and to assist members by helping them select a home loan consistent with their long-and-short term financial goals. Key Essential Responsibilities:

  • Achieves home loan volume goals while working in a centralized contact center environment. Generates real estate secured loans primarily through inbound leads (online inquiries or leads received from marketing campaigns) or referrals from credit union members or employees.
  • Interviews home loan applicants to explain mortgage products and obtain all key financial and loan-related information. Completes loan application and submits loan file to mortgage fulfillment team.
  • Performs loan pre-approvals to analyze members' credit profiles and determine eligible loan programs. Counsels members to help determine the loan program that best suits their financial needs. Cross-sells other credit union products and services when appropriate.
  • Communicates credit terms (interest rate, loan terms/repayment method, disclosures, costs, etc.) and all loan status to members from application through closing. Ensures that all terms are within credit union policy and in compliance with RESPA, ECOA, and TILA.
  • Participates in SFCU networking functions, Homebuyer Seminars, and other functions to increase awareness of mortgage and home equity lending programs.
  • Promotes and maintains a positive work atmosphere by communicating in a manner consistent with professional standards to work effectively with members, co-workers, management, and vendors.
  • Keeps abreast of industry developments including, but not limited to changes in regulations and technology.
  • Ensures adherence to company policies and procedures and Banking/Credit Union Regulations.
  • Performs additional duties as required.Scope:The Digital Home Loan Consultant works under the direction of the Home Loan Sales Manager exercising limited independent judgment and decision making and requires moderate supervision.Essential Skills, Knowledge and Requirements:
  • High school diploma or equivalent. Bachelor's degree preferred.
  • A minimum of 1-year experience in mortgage/home equity/banking sales or operations.
  • Familiarity with Fannie Mae's secondary market product and pricing guidelines. Ability to quickly learn the Credit Union's suite of portfolio loan products.
  • Must be able to successfully complete the registration process with the Nationwide Mortgage Licensing System and Registry and to renew and maintain registration throughout employment also annually.
  • Strong verbal and written communication skills with the ability to prioritize tasks to meet deadlines. Must be self-motivated and goal-driven.
  • Proficiency in Microsoft Office and knowledge of mortgage LOS systems. Sikorsky Credit Union is an equal opportunity employer that is proud of its commitment to diversity and inclusion. Therefore, we welcome applicants from all communities, including age, color, ethnicity, familial or marital status, gender identity or expression, language, national origin, physical or mental disability, military or veteran status, race, religion, sexual orientation, and socioeconomic background.

Keywords: Sikorsky Financial Credit Union, Stratford , Digital Home Loan Consultant, Professions , Stratford, Connecticut

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