Home Loan Specialist (McDonough)

Position

Home Loan Specialist (McDonough)

Job Code-4691

req5320

McDonough

Full Time

Job Description

Create your success story at Delta Community Credit Union - where opportunity meets purpose. Through our commitment to excellence, Delta Community has received numerous industry awards and earned the trust and loyalty of our employees, members and the metro Atlanta community. We value talent, encourage growth and keep community at the heart of everything we do. That's why we're one of Atlanta's Best Places to Work! Whether you're starting your professional journey or navigating the next step in your career, we invite you to join the Delta Community Credit Union team.

A Home Loan Specialist is responsible for originating first and second mortgage loans to be sold to investors through the secondary market as well as loans that are held in portfolio.

Practices safety-conscious behaviors in all operational processes and procedures.

Essential Functions :

• Responsibilities include but are not limited to originating first and second mortgages from application through closing using various automated systems while meeting all regulatory and compliance timeframes.
• Interviewing prospective applicants by telephone or in person, requesting and collecting pertinent documentation and physically assemble and process the file in computer software producing a completely documented mortgage loan file to meet underwriting submission guidelines.
• Use analytical skills to conduct initial loan analyses and monitor loan progress in consideration to market trends, credit quality, interest rates, economic conditions and other factors.
• Use sales skills to sell mortgage products as well as develop relationships with all parties involved in the mortgage transaction, not limited to new and existing members, real estate agents, and attorneys.

Other

Position may offer work from home opportunities, pending specific performance and departmental needs.

Job Qualifications

Must be legally authorized to work in the United States without the need for employer sponsorship, now or at any time in the future.

Required Minimum Qualifications :

1. As an individual mortgage loan originator, you must demonstrate financial responsibility, character, and general fitness such as to warrant the determination that you will operate honestly, fairly, and efficiently. A mortgage loan originator must also comply with all SAFE Act registration requirements.

2. A review of your credit report will be used to determine your level of financial responsibility, measured using the same standards as all credit union employees at new hire with the exception of consideration of multiple bankruptcies . Multiple bankruptcies were added for mortgage loan originator positions to comply with the TILA

3. A review of your criminal background check from the NMLSR will be used to determine your character and general fitness. We will also use any other information reasonably available to us as part of a prudent hiring process and information into which we come into possession to aid in this determination. A review of your character and general fitness will consist of considering acts of unfairness or dishonesty, including dishonesty in the course of seeking employment, and any disciplinary actions by regulatory or professional licensing agencies. Additionally, you may not have been convicted of, pleaded guilty or nolo contendere to, a felony during the preceding seven-year period, or in the case of a felony involving an act of fraud, dishonesty, a breach of trust, or money laundering, at any time.

Preferred Qualifications :

Employee benefits include :

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