Job Description

Job Description

Job Description

Position Summary:

The Mortgage Loan Consultant (MLC) proactively originates new residential mortgage business and promotes USF Federal Credit Union mortgage products to members through business development activities, inbound calls, business relationships and branch referrals. The MLC will originate and follow up on leads, referrals and member inquiries that are generated from their activities. The MLC will communicate effectively to develop discussions and interviews to determine member readiness. During these interactions virtually, over the phone or in person the employee will be responsible for analyzing financial data, credit data, determining member financing objectives and aligning loan programs. The individual will have an in-depth knowledge of our products, policies and guidelines to guide and direct our members. The Mortgage Loan Consultant identifies, develops, and maintains member relationships that serve as a cornerstone to a positive member experience and recurring source of referrals for new mortgage lending opportunities. The MLC provides outstanding customer service through knowledge of lending programs, policies, procedures, and regulatory requirements, demonstrating a commitment to ethics, complying with all Federal and State compliance policies and adhering to HMDA and ECOA requirements.

Essential Functions & Additional Responsibilities:

• Receives inbound calls, through assigned ACD call channels & educates members on mortgage products and rates. Adheres to established call center Service Level Agreements (SLAs) to maintain excellent member experience. May take complete mortgage applications over the phone or refer members to USFFCU website to enter an application.
• Meet with retail employees, professional referrals and branch walk-in members. Reviews and analyzes credit and financial data to provide accurate product information. Determine borrower financing objectives and goals to present appropriate USF Credit Union products and programs and explain guidelines. Collect supporting loan documentation as required and provide complete package to Mortgage Loan Processor. Identify appropriate opportunities to sell additional credit union products & services. Upload complete application via appropriate Loan Origination Software (LOS).
• Work with Mortgage Loan Processor, Mortgage Loan Underwriter and Dept Managers to ensure loan documents and conditions are submitted in a timely manner as prescribed by department guidelines. Communicate with retail, consumer lending and call center teams to build knowledge and awareness. Work with individual employees to train, develop and encourage product awareness.
• Attend and complete all USF Federal Credit Union required training. Maintain current and thorough knowledge of all lending programs, policies, procedures and regulatory requirements. Perform all job functions in accordance with USF Federal Credit Union policies and procedures.
• Perform other duties as assigned.

Education:

• A high school diploma or G.E.D.

Experience:

• Minimum 2 years’ experience in residential mortgage lending.
• Demonstrates an understanding of mortgage lending or processing.
• Knowledge of conventional and/or government guidelines as well as an understanding of the Federal Regulations governing Real Estate Lending.

Other Skills:

• Experience with Microsoft Word, Power Point, Excel, Outlook, and experience with POS and LOS systems.
• Strong verbal and written communication skills.
• Must demonstrate a functional knowledge of secondary guidelines, CFPB lending requirements (TRID, ATR and QM), the Bank Secrecy Act in addition to other Federal laws, including but not limited to: U.S. Patriot Act, Office of Foreign Assets & Control, Anti-Money Laundering, Right to Financial Privacy Act, and the Bank Bribery Act.

Work Environment:

• Hybrid work schedule reporting to an office two or more days per week.

Physical Requirements:

• Sitting frequently, walking occasionally, use of hands frequently, walking occasionally, use of hands frequently, hearing constantly, talking frequently, exerting up to 10lbs of force occasionally to life, carry, push, pull, or move objects.

Position Type/Expected Hours of Work:

• Full-Time/40 hours per week

Classification:

• Non-Exempt

Other Duties:

Please note this job description is not a comprehensive list of activities, duties or responsibilities that are required in this position. Duties, responsibilities and activities may change at any time with or without notice.

When joining USF Federal Credit Union, you can expect to work for a company that:

• Strives to be the most influential partner in our Members’ financial journey.
• Has been recognized with awards such as the Sterling Governor’s Award for Excellence and League of Southern Credit Unions & Affiliates Credit Union of the Year.
• Has a culture of engagement, growth, process improvement and community volunteerism.
• Received the Top Places to Work award for 2024 & 2025 in Financial Industries.

What’s in it for you:

• Competitive pay, robust incentive programs, 401k matching, Mortgage and Auto Loan discounts
• 4 weeks minimum paid time off work, work anniversary paid time off, 11 paid holidays and 8 hours paid volunteer time off.
• Medical, Dental and vision plans with FSA option. (Employee Only Premiums for Dental and Vision are 100% Credit Union covered).
• 100% Credit Union Paid Short-Term and Long-Term Disability and Life Insurance
• Employee Assistance Program
• Undergraduate and Graduate Tuition Reimbursement
• In-depth New Employee Orientation showcasing Credit Union Values and Vision
• A Think Big culture dedicated to performance excellence and continual growth

About Us:

For 65 years, USF FCU has experienced rapid growth and is dedicated to delivering financial solutions to improve our members’ lives. Our success is thrilling, but our core values of excellence, passion, innovation, community, and collaboration mean our relationships with our members and our employees will always be our top priority! We have grown to over 73,000 members and $1.1 billion in assets, robust online and mobile banking, 9 branch locations and thousands of shared branches and fee-free ATMs nationwide.

Our vision is to be the most influential partner in each member’s financial journey.

Our mission is to deliver financial solutions to improve members’ lives.

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