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Mortgage Lending Specialist (01-13 MORT)

Location:Austin, TX
Salary Range:Hourly rate DOE, plus monthly incentive opportunity
Exempt/Non-Exempt:Non-Exempt
Benefits:Visit http://goamplify.iapplicants.com/Benefits.html
Employment Type:Full Time
Department:Retail-Brockton (North Austin)
Description:

The mortgage business has been up and down.  If you are an experienced mortgage originator looking for a stable organization...

Amplify Federal Credit Union may have a career for you!

 

 

Amplify Federal Credit Union has been in the Austin area since 1967, and our mortgage department has grown by leaps and bounds over the last several years.  It is our goal to provide our members with the very best mortgage experience: friendly, knowledgable, timely, and accurate.  The path to a mortgage can be very convoluted and confusing - we want to be our members' advocate and guide through that process.  In 2012, we were rated one of the top 50 credit unions in the United States by SNL Financial - come work for one of the best!


We are currently seeking qualified candidates for a Full-Time Mortgage Lending Specialist position in our Brockton branch (north Austin, near The Domain).

Schedule:  The schedule for this position will generally be Monday through Friday, between the hours of 8:00 a.m. and 6:00 p.m., but hours may vary depending on the needs of the members. 


THE ROLE 

The Mortgage Lending Specialist counsels members and potential members about appropriate mortgage loan products, features and benefits. The person in this role also examines, evaluates, and recommends approval of member applications for residential real estate loans.     

Duties:

Identifies and analyzes potential loan markets to develop prospects for residential real estate loans and enhance the growth and profitability of the credit union's residential real estate lending operations

Interviews applicant in the field, in-person or electronically and requests specified information for loan application

Contacts real estate agents and brokers, financial advisors, and other potential referral sources to establish and maintain a relationship as a preferred lending partner and develop borrower leads

Requests property appraisals, applicant credit reports, background checks, reference checks, and other information pertinent to loan applicant's evaluation

Analyzes applicant financial status, credit worthiness, and property evaluation to determine feasibility of granting loan, or submits application to credit analyst or mortgage underwriter or VP Real Estate Lending for verification and recommendation

Corresponds with or interviews applicant or third parties to resolve questions regarding application information

Compiles and processes loan package and facilitates negotiation with applicant according to established standards, such as fees, loan repayment options, loan product options, and other credit terms

Assures that loan is within established Program guidelines or refers loan to VP Real Estate Lending for approval

Ensures loan agreements are complete and accurate according to policy

Assures timely loan closing and funding activities

Identifies and analyzes potential loan markets to develop prospects for residential real estate loans

Promotes and cross-sells other credit union products and services as appropriate to member requirements

Provides loan data to support marketing and sales promotion programs

Assists members with inquiries and information requests, and resolves complaints relating to loan products and services offered

Manages a continuous pipeline of mortgage loans in various stages of process, from initial application through closing

Recommends appropriate changes to established policies and procedures based on current industry trends and developments

Addresses multiple demands simultaneously, including a high volume of phone calls, prompt return of same, walk-in and scheduled appointments for loan interviews, and video conference and phone appointments with potential applicants, all while maximizing high quality customer service (providing a "Wow" experience) and efficiently administering and processing loan applications

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience 

High school diploma or GED, and a minimum of three years of mortgage lending experience and/or training; or equivalent combination of education and experience. If education is being substituted for experience, emphasis on business finance, mortgage lending, and/or real estate courses required. 

Certificates, Licenses, Registrations 

Must be bondable

 

Software & Equipment Requirements

To perform this job successfully, an individual should have knowledge and be efficient with the use of a personal computer, Microsoft Office products, Credit Bureau Systems and financial calculators. Ability to learn and train others in the use of specialized mortgage lending software will be required.

Other Qualifications

Must have excellent judgment skills to make quick decisions within written policy and standard operating procedures.  Working knowledge of credit union's products and services, policies, and the Federal Credit Union Act including bylaws and regulations that apply to federally chartered credit unions is required.  Ability to understand and make recommended changes to Standard Operating Procedures and familiarity with state and federal NCUA regulations required.  Additional regulations applicant should understand include, but are not limited to:  HMDA, Regulation Z, Regulation B, the FHLMC, FNMA, FHA rules and processes.  Must have knowledge of sales of mortgage loans into secondary market.  Must have experience with Desktop Underwriter and/or Loan Prospector underwriting systems and packaging of conforming loan standards.  Experience in proper loan pricing based on credit union rate determinations and understanding in the use of points or discounts is necessary.

BENEFITS
AMPLIFY offers a rich benefit package including health, dental, life, and disability insurance; 401(k) plan with matching contributions; a fully funded pension plan; paid time off; Federal holidays; paid time off to volunteer in the community; tuition reimbursement; a friendly, forward-thinking work environment, and much more. 


Read our team member testimonials!

See what people have to say about us on Glassdoor!


 

Equal Employment Opportunity

AMPLIFY is committed to providing equal employment opportunities (EEO) to all applicants without regard to race, color, religion, gender, genetics, sexual orientation, national origin, age, disability,  or status as a covered veteran in accordance with applicable federal, state and local laws.



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