Summary

Our Mortgage Specialist is the link between our members/prospective members and the credit union’s mortgage lending and home equity products and services. As a trusted advisor, our Mortgage Specialist must have exceptional service and sales skills and work to proactively building strong relationships. Our Mortgage Specialist will foster our “United For You” service promise which requires taking personal responsibility for providing outstanding member service that builds loyalty and supports a service selling environment. Our Mortgage Specialist will also work collaboratively to foster a culture that encourages diversity and independent thinking and a member-centric, digital organization to meet or exceed UnitedOne’s mission, strategic objectives, and promote the overall success of the credit union.

Responsibilities

• Serves as an active member of the community by volunteering and participating in community events on behalf of UnitedOne Credit union and to promote the benefits of membership.
• Receives inquiries from prospective borrowers regarding all types of mortgage loans, provides requested information regarding the lending products.
• Takes ownership of these inquiries and follows up with prospects.
• Maintains effective communication throughout the loan process with applicants, realtors, processors, underwriters, etc.
• Sets expectations and follow up with applicants during the mortgage transaction to ensure the applicants are comfortable with the process.
• Proactively follows up on leads, marketing campaigns, preapproval opportunities, and perspective borrowers.
• Nurtures relationships by completing follow up calls after closing transactions.
• Assists members with loan servicing questions and requests.
• Counsels and educates applicants to achieve homeownership, or to reach their financial goals.
• Matches the best product to fit their need, share the benefits and features of each program so the member can make an educated decision.
• Assists applicants with submitting an application and originates loans in accordance to Credit Union policies/practices/guidelines and regulatory requirements.
• Pulls, reviews and analyzes credit.
• Gathers financial data.
• Notifies client to resolve discrepancies such as late payment history, judgments, etc.
• Informs client of closing costs such as appraisals, and loan origination fees.
• Locks interest rates, in accordance to credit union procedure and secondary market guidelines.
• Successfully closes mortgage transactions to meet loan volume goals as assigned in accordance with credit union policy/procedures and regulatory guidelines.
• Maintains positive working relationships with community groups, including the board of realtors, home builders associations, local title companies, etc.
• Promotes a favorable image of the organization and provides information regarding loan programs and credit union products and services.
• Identifies, recommends, and cross-sells other credit union product and services according to member needs.
• Refers members to other departments as needed.
• Complies with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. 

Qualifications

• Experience 2-5 years of similar or related experience, including preparatory experience

Education/Certifications/Licenses

• A 2-year college degree or completion of a specialized course of study at a business or trade school requiring approximately 64 credit hours

Interpersonal Skills

• A significant level of trust, credibility and diplomacy is required.
• In-depth dialogue, conversations and explanations with customers, direct and indirect reports and outside vendors can be of a sensitive and/ or highly confidential nature.
• Communications may involve motivating, influencing, educating and/or advising others on matters of significance.
• Typically includes subject matter experts as well as first level to middle managers.

Other Skills

• Knowledge of Fannie Mae and Freddie Mac guidelines is required.
• Bi-lingual skills are a plus. 

About the Organization

From humble beginnings in 1938, UnitedOne has grown to be one of the largest credit unions in the area serving everyone who lives and works in Manitowoc, Sheboygan, Kewaunee and Door counties. No one works harder to provide you and your family with first class financial services delivered through outstanding personal service. That's the UnitedOne difference and how our "We're here because you're here" philosophy continues to grow our reputation of strength, stability, service and convenience today. We embrace a successful and straight-forward member-owned cooperative mission - meet our members' financial needs by empowering them with knowledge to make informed and strong financial decisions. UnitedOne is passionate about improving the lives of all residents throughout the communities we serve. The credit union and our employees support and sponsor local causes that are important to us all. We are proud of the roles we play in helping our communities and neighbors enjoy better lives and futures. We recognize the importance of contributing to our communities and being a strong corporate citizen. UnitedOne is an active partner with many worthwhile organizations and events held throughout the year. Unlike a traditional bank, UnitedOne is governed by a volunteer Board of Directors comprised of UnitedOne members. The Board of Directors set the vision and direction of the credit union and assure decisions are made in accordance with our bylaws.

How to Apply

Apply online at UnitedOne Credit Union