APG Federal Credit Union Mortgage Consultant in Bel Air, Maryland



Under the direction of the Vice President of Mortgage Lending the Mortgage Consultant is responsible for meeting production targets via the origination of first mortgage and home equity loans. This will be accomplished by: Responding timely to internal and external referrals, conducting in-depth interviews to understand mortgage needs and goals, preparing completed loan application packages, communicating loan policies in accordance with Credit Union and secondary investor guidelines, and serving members and loan-partners promptly and professionally.

Essential Duties and Responsibilities:

Lead Management: Contacts all branch-submitted mortgage referrals within 24-48 hours of receipt, and documents activity in lead management system.

Consultation: Guides members through qualification steps and assists, through detailed financial and credit analysis, with finding the best loan product and program to fit their needs. Considers Conventional, VA, FHA and Home Equity financing options, simultaneous 1st and 2nd loan scenarios, premium pricing, lender-paid and borrower-paid single-premium mortgage insurance options, all as the situation warrants.

Applications: Reviews consumer-submitted applications for completeness, quality and regulatory compliance. Takes complete, quality applications via phone and face-to-face interviews.

Pipeline Management / Application Follow-Up: Monitors pipeline report on a daily basis to track delays and follow up with members who have not submitted their loan paperwork. Advises members on the required paperwork to be submitted for underwriting and compliance, and sets appropriate expectations for return of the paperwork. Regularly follows up on preapproval applications in an effort to provide timely updates and information to members during their search for homes, and increasing the likelihood the member will choose the Credit Union for financing once a purchase contract is signed.

Member Contact: Acts as primary contact for members throughout the loan process. At the time of application conveys detailed expectations regarding the estimated turnaround time, rate-lock on first mortgages, documentation required, key milestones and status steps. While the loan is in-process the Mortgage Consultant will be called upon to discuss rate & fee changes in response to updated information, provide additional member support as needed, and communicate loan denial when applicable.

Realtor Contact: Makes introductory calls to realtors in preapproval and purchase-application scenarios and maintains status communication thru closing.

Service: Consistently demonstrates exceptional member service, as evidenced by member satisfaction surveys and testimonials.

Cross-Sell: Recognizes and pursues cross-sell opportunities, including auto, credit card and share accounts.

Travel: May travel between branches for face-to-face appointments and will attend purchase-loan settlements as often as possible.

Sales / Business Development: Proactively solicits mortgage referrals from all available sources, with a special emphasis on developing relationships with realtors in Harford & Cecil County.

Workshops/Expos: Represent the Credit Union at First Time Homebuyer-related Workshops, Realtor Expos, and local housing agency events. Cultivate relationships with local housing agencies for the purpose of promoting credit union First Time Homebuying programs.


Education:High School Diploma or equivalent.

Experience:2+ years of mortgage sales experience or the equivalent of 3 + years of lending experience in a related role.

Registration:In accordance with the SAFE Act requirements, all applicants for employment in the Mortgage Consultant role will be required to register or renew with the National Mortgage Licensing System (NMLS) and maintain a status in good standing.

*Knowledge, Skills and Abilities: *Knowledge of Conventional, and Home Equity financing; Knowledge of VA, FHA & Rural Housing financing considered a plus; Experience reading tri-merge credit reports and DU or LP findings; Strong interviewing, oral and written communication skills; Technologically proficient with systems, standard office software and other tools; Familiarity with secondary mortgage market underwriting, pricing, operations and requirements; Highly self-motivated with ability to work well in a team environment; Thrives in a fast-paced, constantly changing environment; Analytical - Problem Solver; Detail oriented and organized; Fast and eager learner, and willing to grow; Professional demeanor; May be required to work some nights or weekends.

Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to stand; walk; use hands to finger, handle, or feel objects, tools, or controls; and talk or hear. The employee frequently is required to reach with hands and arms. The employee is frequently required to sit, stoop, kneel, or crouch. The employee must frequently lift and/or move up to 25 pounds, and be capable of transporting related supplies and equipment. Specific vision abilities by this job include vision, distance vision, color vision, peripheral vision, depth perception and the ability to focus.

*APGFCU is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability to Protected Veteran status. Please use the attached link to view the EEO law poster *http://www1.eeoc.gov/employers/poster.cfm

APGFCU is committed to working with and providing reasonable accommodations to persons of all abilities, including persons with disabilities. If you need a reasonable accommodation for any part of the employment process, please send an email to the Human Resources Department at HRD@apgfcu.com and let us know the nature of your request and your contact information. Reasonable accommodations are considered on a case-by-case basis. Please note that only inquiries concerning a request for reasonable accommodations will be responded to from this e-mail address.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

Posted: October 8, 2016