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POSITION SUMMARY
Responsible for developing new business, underwriting, structuring and closing real estate loans, as well as maintaining member relationships.
ESSENTIAL DUTIES AND RESPONSIBILITIES
Interviews members applying for real estate loans and/or requesting refinancing or rewrites of existing real estate loans and recommends approvals for loans. May interview for HELOC loans as needed.
Performs loan closings with members, ensuring invoices are paid and collected from the borrower, all paperwork is properly completed and complies with legal regulations and Credit Union policies.
Builds positive relationships with members, real estate agents, builders and other business professionals to develop ongoing referral business.
Works closely with management to identify opportunities to secure qualified loans.
Recommends, sells and educates members about Credit Union products and services.
Expands member relationships through follow-up activities to include outbound calls and prospecting membership for mortgages.
Makes referrals to appropriate departments.
Performs collections on problem real estate loans.
Actively participates in community relations efforts to contribute to the mission and visibility of the Credit Union. Visibility and a positive image in the field of membership and with current and prospective members.
EDUCATION AND EXPERIENCE
Associate’s degree in Credit and Finance plus four years residential mortgage lending experience; or equivalent knowledge and skills gained through a minimum of six years related work experience.
LICENSES AND CERTIFICATIONS REQUIRED
Must obtain Minnesota Insurance Producers License with Credit Line of Authority within three months of start date in this position
Must register and maintain the unique identification number (originator ID) according to the S.A.F.E. Act.
Notary designation within 3 months of start date in this position is preferred
Must be bondable
Valid Driver’s License and auto insurance with minimum liability limits within CMCU policy
Personal cell phone required as per CMCU’s Bring Your Own Device policy
