Home Loan External Production - Home Loan Advisor - External (Carlsbad)

<p style="margin-bottom: 0px; margin-top: 0px;"><strong><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">JOB TITLE: Home Loan Advisor - External </span></strong></p> <p style="margin-bottom: 0px; margin-top: 0px;"><strong><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">DEPARTMENT: Home Loans Production </span></strong></p> <p style="margin-bottom: 0px; margin-top: 0px;"><strong><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">STATUS: Non-Exempt </span></strong></p> <p style="margin-bottom: 0px; margin-top: 0px;"><strong><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">JOB CODE:<span style="white-space: normal;"> </span>3101</span></strong></p> <p style="margin-bottom: 0px; margin-top: 0px;"><strong><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">PAY SCALE: $16.90 Hourly</span></strong></p> <p style="margin-bottom: 0px; margin-top: 0px;"><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;"><span style="white-space: normal;"> </span></span></p> <p style="margin: 12pt 0in 6pt; font-size: 12pt; font-family: 'Arial Unicode MS', sans-serif;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><strong><u><span style="text-transform: uppercase;">GENERAL DESCRIPTION:</span></u></strong></span></p> <p style="text-align: justify; margin: 0in; font-size: 12pt; font-family: 'Times New Roman', serif;"><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">The Home Loan Advisor - External will proactively solicit new residential mortgage loans to meet established loan quality and production goals.  They will develop and maintain a strong network of business relationships to ensure a recurring source for mortgage loan referrals.  This network includes mortgage professionals, builders, other professional and personal contacts, and any other referral source the Advisor develops. The external Advisor will enhance this network by regularly participating in business related development opportunities, community events and professional organizations.  They will also be expected to handle branch or call center generated referrals only when the member requests an in person meeting. They will provide our members with the same exceptional service they give to their self-generated referrals and always conduct themselves in a professional and ethical manner. The Advisor shall maintain a thorough understanding of the lending programs, policies, procedures and regulatory requirements. </span></p> <p style="margin: 12pt 0in 6pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><strong><u><span style="text-transform: uppercase;">TASKS, DUTIES, FUNCTIONS:</span></u></strong></span></p> <ol style="margin-bottom: 0in; margin-top: 0px;"> <li style="margin: 0in 0in 6pt 0px; font-size: 12pt; font-family: arial, helvetica, sans-serif;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;">Originate mortgage loans from self-sourced business and personal relationships by maintaining exceptional service levels and administering a lead management system.  Discuss mortgage product options via phone, email or in person with prospective and current borrowers.</span></li> <li style="margin: 0in 0in 6pt 0px; font-size: 12pt; font-family: arial, helvetica, sans-serif;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;">Assist the member with an appropriate product selection, lock request and provide applicable disclosures as required by law, and dictated by credit union processes.</span></li> <li style="margin: 0in 0in 6pt 0px; font-size: 12pt; font-family: arial, helvetica, sans-serif;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;">Obtain and analyze pertinent financial and credit data.  Complete an initial assessment of the mortgage application including a review of credit, financial data and collateral information to identify underwriting concerns upfront.</span></li> <li style="margin: 0in 0in 6pt 0px; font-size: 12pt; font-family: arial, helvetica, sans-serif;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;">Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including RESPA, HPML, HOEPA, HCML, ATR/QM, bank secrecy and anti-money laundering laws appropriate to the position.</span></li> <li style="margin: 0in 0in 6pt 0px; font-size: 12pt; font-family: arial, helvetica, sans-serif;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;">Manage mortgage loan pipeline closely to ensure loans are attended to promptly, efficiently and accurately to ensure exceptional service by providing a market leading turn time on applications.</span></li> <li style="margin: 0in 0in 6pt 0px; font-size: 12pt; font-family: arial, helvetica, sans-serif;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;">Oversee the loan process from origination to close and provide on-going communication to applicants.  This includes renegotiating the interest rate and loan terms due to a change in the initial qualification caused by collateral, income or financial data verification.  Demonstrate the ability to delicately handle difficult situations while maintaining complete professionalism.</span></li> <li style="margin: 0in 0in 6pt 0px; font-size: 12pt; font-family: arial, helvetica, sans-serif;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;">Work closely with the mortgage resource center and operations staff to ensure the mortgage loan is being moved along in accordance with the credit union standards.</span></li> <li style="margin: 0in 0in 6pt 0px; font-size: 12pt; font-family: arial, helvetica, sans-serif;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;">Consistently notate conversations with member in the LOS to ensure proper communication.</span></li> </ol> <p style="margin: 12pt 0in 6pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><strong><u><span style="text-transform: uppercase;">PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS:</span></u></strong></span></p> <ol style="margin-bottom: 0in; margin-top: 0px;"> <li style="margin: 0in 0in 3pt 0px; font-size: 12pt; font-family: arial, helvetica, sans-serif;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;">Effective oral and written communication skills required to interact with members, branches, call center staff and other outside contacts on the telephone.</span></li> <li style="margin: 0in 0in 3pt 0px; font-size: 12pt; font-family: arial, helvetica, sans-serif;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;">Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment, such as financial calculators, personal computer, facsimile machine and telephone. </span></li> </ol> <p style="margin: 12pt 0in 6pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><strong><u><span style="text-transform: uppercase;">ORGANIZATIONAL CONTACTS & RELATIONSHIPS:</span></u></strong></span></p> <ol style="margin-bottom: 6pt; margin-top: 0px;"> <li style="margin: 0in 0in 6pt 0px; font-size: 12pt; font-family: arial, helvetica, sans-serif;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><strong>INTERNAL: </strong>Mortgage operations staff, applicable supporting department staff, branch staff, contact center staff, and management</span></li> <li style="margin: 0in 0in 6pt 0px; font-size: 12pt; font-family: arial, helvetica, sans-serif;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><strong>EXTERNAL: </strong>Member(s), prospective borrowers, realtors, builders, applicable third party vendors, governmental agencies and personal and professional contacts</span></li> </ol> <p style="margin: 12pt 0in 6pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><strong><u><span style="text-transform: uppercase;">QUALIFICATIONS:</span></u></strong></span></p> <ol style="margin-bottom: 6pt; margin-top: 0px;"> <li style="margin: 0in 0in 6pt 0px; font-size: 12pt; font-family: arial, helvetica, sans-serif;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><strong>EDUCATION: </strong>High school diploma or equivalent work experience or four year college degree preferred.</span></li> <li style="margin: 0in 0in 6pt 0px; font-size: 12pt; font-family: arial, helvetica, sans-serif;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><strong>EXPERIENCE: </strong>Minimum five years in a mortgage related function with at least two years of generating self-sourced business.</span></li> <li style="margin: 0in 0in 6pt 0px; font-size: 12pt; font-family: arial, helvetica, sans-serif;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><strong>KNOWLEDGE/SKILLS:</strong></span> <ul style="margin-top: 0in; margin-bottom: 10.0pt;"> <li style="margin: 0in 0in 10pt 0px; font-size: 12pt; font-family: arial, helvetica, sans-serif;"><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Exceptional member service skills.</span></li> </ul> </li> </ol> <ol style="margin-top: 0in; margin-bottom: 10.0pt;"> <li style="list-style: none; margin: 0in 0in 10pt 0px; font-size: 12pt; font-family: arial, helvetica, sans-serif;"> <ul style="margin-top: 0in; margin-bottom: 10.0pt;"> <li style="margin: 0in 0in 10pt 0px; font-size: 12pt; font-family: arial, helvetica, sans-serif;"><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Strong credit and general financial analysis.</span></li> <li style="margin: 0in 0in 10pt 0px; font-size: 12pt; font-family: arial, helvetica, sans-serif;"><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Current working knowledge of the mortgage industry.</span></li> <li style="margin: 0in 0in 10pt 0px; font-size: 12pt; font-family: arial, helvetica, sans-serif;"><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Excellent ability to collect and report information on market conditions including competitive product and service offerings.</span></li> <li style="margin: 0in 0in 10pt 0px; font-size: 12pt; font-family: arial, helvetica, sans-serif;"><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Understanding of the secondary market including governmental programs.</span></li> <li style="margin: 0in 0in 10pt 0px; font-size: 12pt; font-family: arial, helvetica, sans-serif;"><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Strong oral and written communication skills.</span></li> <li style="margin: 0in 0in 10pt 0px; font-size: 12pt; font-family: arial, helvetica, sans-serif;"><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Develop and maintain advisory and consultative home loan skills.</span></li> <li style="margin: 0in 0in 10pt 0px; font-size: 12pt; font-family: arial, helvetica, sans-serif;"><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Working knowledge of office equipment and intermediate computer skills including excel.</span></li> </ul> </li> </ol> <p style="margin: 0in 0in 6pt 0.5in; font-size: 12pt; font-family: 'Times New Roman', serif;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><strong> </strong></span></p> <p style="margin: 12pt 0in 6pt; text-align: justify; font-size: 12pt; font-family: 'Times New Roman', serif;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><strong><u>PHYSICAL REQUIREMENTS:</u></strong></span></p> <ol style="margin-bottom: 0in; margin-top: 0px;"> <li style="list-style: none; margin: 0in 0in 6pt 0px; font-size: 12pt; font-family: arial, helvetica, sans-serif; font-weight: bold;"> <ol style="margin-bottom: 0in; margin-top: 0px;"> <li style="margin: 0in 0in 6pt 0px; font-size: 12pt; font-family: arial, helvetica, sans-serif; font-weight: bold;"><span style="font-weight: normal; font-family: arial, helvetica, sans-serif; font-size: 12pt;">Prolonged sitting throughout the workday with occasional mobility required.</span></li> <li style="margin: 0in 0in 6pt 0px; font-size: 12pt; font-family: arial, helvetica, sans-serif; font-weight: bold;"><span style="font-weight: normal; font-family: arial, helvetica, sans-serif; font-size: 12pt;">Corrected vision within the normal range.</span></li> <li style="margin: 0in 0in 6pt 0px; font-size: 12pt; font-family: arial, helvetica, sans-serif; font-weight: bold;"><span style="font-weight: normal; font-family: arial, helvetica, sans-serif; font-size: 12pt;">Hearing within normal range.  A device to enhance hearing will be provided if needed.</span></li> <li style="margin: 0in 0in 6pt 0px; font-size: 12pt; font-family: arial, helvetica, sans-serif; font-weight: bold;"><span style="font-weight: normal; font-family: arial, helvetica, sans-serif; font-size: 12pt;">Ability to travel for business, as needed to visit with applicants, partners and vendors, to attend meetings at headquarters or to attend conferences/training as deemed necessary by management.</span></li> </ol> </li> </ol> <p style="margin: 12pt 0in 6pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><strong><u>LICENSES/CERTIFICATIONS:</u></strong> </span></p> <ol style="margin-bottom: 0in; margin-top: 0px;"> <li style="margin: 0in 0in 0in 0px; font-size: 12pt; font-family: arial, helvetica, sans-serif;"><span style="font-family: arial, helvetica, sans-serif; font-size: 12pt;"><strong>MLO Registration required:  </strong>An individual in this position has been determined to be a Mortgage Loan Originator as defined by the S.A.F.E Act and whose responsibilities include taking applications and discusses terms or negotiates rates on loans secured by real property</span></li> </ol> <p style="margin: 0in 0in 0in 0.5in; font-size: 12pt; font-family: 'Times New Roman', serif;"> </p> <p style="box-sizing: border-box; margin: 0in 0in 8pt; color: #1c1c1e; white-space: normal; background-color: #ffffff; line-height: 15.6933px; font-size: 11pt; font-family: Calibri, sans-serif;"><span style="box-sizing: border-box; font-family: arial, helvetica, sans-serif; font-size: 12pt;"><em style="box-sizing: border-box;"><span style="box-sizing: border-box; line-height: 18.4px;">Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.</span></em></span></p> <p style="box-sizing: border-box; margin: 0in 0in 8pt; color: #1c1c1e; white-space: normal; background-color: #ffffff; line-height: 15.6933px; font-size: 11pt; font-family: Calibri, sans-serif;"><span style="box-sizing: border-box; font-family: arial, helvetica, sans-serif; font-size: 12pt;"><em style="box-sizing: border-box;"><span style="box-sizing: border-box; line-height: 18.4px;">#LI-Remote</span></em></span></p> <p style="box-sizing: border-box; margin: 0in; color: #1c1c1e; font-size: 12pt; white-space: normal; background-color: #ffffff; font-family: Aptos, sans-serif;"><span style="box-sizing: border-box; font-family: arial, helvetica, sans-serif; font-size: 10pt;"><strong style="box-sizing: border-box; font-weight: bolder;"><span style="box-sizing: border-box; color: black;">THIS JOB DESCRIPTION PROVIDES AN OVERVIEW OF THE GENERAL SCOPE AND LEVEL OF WORK EXPECTED TO BE PERFORMED, BUT IT IS NOT AN EXHAUSTIVE LIST OF ALL DUTIES OR RESPONSIBILITIES ASSOCIATED WITH THE POSITION. THE CREDIT UNION RESERVES THE RIGHT TO MODIFY, ADD, OR REMOVE DUTIES AS NEEDED WITHOUT ADVANCE NOTICE. EMPLOYEES MAY BE REQUIRED TO PERFORM ADDITIONAL TASKS AND DUTIES AS DIRECTED BY THEIR SUPERVISOR, PROVIDED SUCH TASKS ARE WITHIN THE EMPLOYEE’S KNOWLEDGE, SKILLS, AND ABILITIES, OR CAN BE PERFORMED WITH REASONABLE TRAINING. NOTHING IN THIS JOB DESCRIPTION ALTERS THE AT-WILL EMPLOYMENT RELATIONSHIP OR LIMITS THE CREDIT UNION’S RIGHT TO ASSIGN OR REASSIGN DUTIES AND RESPONSIBILITIES TO THIS POSITION AT ANY TIME.</span></strong></span></p> <p style="box-sizing: border-box; margin: 0in; color: #1c1c1e; font-size: 12pt; white-space: normal; background-color: #ffffff; font-family: Aptos, sans-serif; text-align: right;"><span style="box-sizing: border-box; font-size: 12pt; font-family: arial, helvetica, sans-serif;"><strong style="box-sizing: border-box; font-weight: bolder;"><span style="box-sizing: border-box; color: black;">REV. 1/9/2026</span></strong></span></p> <p style="text-align: right;"> </p> <p> </p>

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