Branch Real Estate Loan Consultant

Mô tả công việc

For more than 80 years, SchoolsFirst FCU has remained rooted in the philosophy of “people helping people.”  Today, SchoolsFirst FCU is the nation’s largest educational credit union, with more than 600,000 Members, $10 billion in assets, and over 40 service locations in Southern California. Originally based in Orange County, the credit union now operates in 10 counties throughout Southern California, providing school employees and their families with World-Class Personal Service and financial security’  Primary ResponsibilityProvides excellent service to Members visiting branch/service center locations seeking information on real estate lendingproducts. Develops relationships with Members in an effort to increase and retain participation in lending products and services. Essential Job FunctionsEssential Job Functions•         Schedules and conducts meetings with Members in assigned branch(es) to assist with their real estate lending needs.•         Discuss disputed consumer loan decisions with manager, including alternate solutions for the Member, Researches and resolves Member disputes in all aspects of Member service goodwill and any applicable Federal or State Regulations.•         Authority to make consumer loan approval decisions based upon individual discretion and judgment within authorized lending limits.•         Availability to work Saturday hours and at any SchoolsFirst FCU facility assigned.•         Maintains a working knowledge and understanding of the Consumer/ Real Estate Lending Standard Operating Procedures.•         Responsible for attending all branch meetings and assisting with other lending transactions as their appointment calendar permits and as directed by the branch manager.•         Incorporates consultative service skills with Members regarding credit union products and services by assessing the Member's needs, addressing their concerns and gaining agreement.•         Participates in business development activities that promote lending programs by attending workshops, promotions and events.•         Assists branch management in the development and implementation of lending/funding goals, as well as team recognition and monitors results for branch.•         Responds to local Member Dispatch requests for contact to the Real Estate department when volumes exceed capacity to assist Members from the back office.•         Provides support to branch MSR’s that have real estate loan related questions or need assistance serving a Member. Provides ongoing training as needed and/or facilitates branch meetings on applicable lending information.•         Advises Members of all related ancillary services and appropriate credit union products.•         Gathers required Member documentation and submits application using point of sale origination system.•         Consults with Members to determine best fit for real estate loan requests. Reviews all available loan options with Members to ensure needs match program selection.•         All teammembers must comply with regulatory compliance and assigned training requirements including but not limited to BSA regulations corresponding to their specific job duties. Failure to do so may result in disciplinary and other employment related actions.•         Performs other related duties as assigned or requested.EdEducationHigh School Diploma RequiredEducational Requirements1– 3  previous years of related experience requiredExperience RequirementsEquity loan origination experience in a prime real estate..Certification/LicensureRequirementsRegister with the Nationwide Mortgage Licensing System and Registry as a mortgage loan originator in accordance with theSecure and Fair Enforcement for Mortgage Licensing Act (the "SAFE Act") when applicable.Complete Benefits Package:100% company paid medical, dental, and vision for you and your dependents 100% matched 401K (dollar for dollar, up to 6%) Paid holidays, vacation, sick days, and personal leave 100% paid life and disability insurance Amazing discounts on Sprint and AT&T services Contingency child care program Educational assistant program Employee assistance program 0% interest loans for laser eye surgery, computer, and wardrobe loans 24 hour fitness discounts VPI pet insurance Membership for you and your immediate familySchoolsFirst Federal Credit Union is an equal opportunity employer and prohibits s discrimination against qualified individuals based on their status as protected veterans or individuals with disabilities, and prohibits discrimination against all individuals based on their race, color, religion, sex, or national origin.SchoolsFirst FCU is committed to fostering, cultivating and preserving a culture of diversity and inclusion. The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our teammembers invest in their work represents a significant part of not only our culture, but our reputation and the ability to work effectively with a diverse Membership base.