Responsible for origination of real estate loans including home and land purchase, home equities, refinances, home improvements, and investments. Conducts initial pre-qualification interviews and prepares complete loan application packages and necessary documentation. Conveys policies for extension of credit in accordance with Credit Union and secondary investor guidelines. Meets real estate loan scheduling and documentation requirements, and production expectations as determined by the Real Estate Loan Manager. Serves members, prospective members, builders, developers, and realtors promptly and professionally. Provides general Credit Union information and cross-sells services. Assists real estate loan personnel as necessary.
ESSENTIAL FUNCTIONS AND BASIC DUTIES
Interviews, takes applications, and processes preliminary documentation on loan requests. Discusses loan alternatives, credit criteria, interest rates, and loan documentation in such a manner as to elicit positive responses from members.
Performs follow-up work as necessary to achieve conditional approval within established time frames.
Notifies member if loan is referred back to Officer because of problem ratios or credit ratings.
Advises members of loan approval or denial. Explains loan denials precisely and clearly to members. Sends appropriate notice to borrowers.
Completes lending operations in accordance with established Credit Union policies and legal requirements.
Answers questions and requests, and resolves problems.
Informs members of Credit Union loan policies and services.
Counsels members regarding money management and financial matters. Counsels members whose loan requests were denied, explaining reasons and alternatives.
Maintains and projects the Credit Union's professional reputation.
Coordinates functions with related departments and Branches and provides support as needed.
Assists Real Estate Loan personnel and serves as a backup as needed.
Keeps management informed of area activities and of any significant problems.
Attends and participates in meetings and committees as required.
Completes required records and reports.
Professionally cross-sells Credit Union services.
Stays informed regarding changes in lending standards, related legal requirements, and trends in local real estate and competitive market.
Ensures that work area is clean, secure, and well maintained.
Completes other duties as assigned.
Associate’s degree or an equivalent combination of experience and training.
Understanding of the foundation of determining credit worthiness.
Knowledge of Credit Union loan policies, products, procedures, processing, and underwriting guidelines.
Familiarity with title reports, insurance, and appraisals.
Six months to two years of similar or related experience.
Strong interviewing skills.
Excellent communication and public relations abilities.
Good analytical and financial skills.
Able to operate related computer applications, calculator, and other basic business equipment.
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