Home Loan Advisor II
VyStar Credit Union
- Fernandina Beach, FL
- Permanent
- Full-time
- Travels to assigned branch location to originate residential mortgage loans in VyStar branch and Call Center locations and assists the solicitation of residential first mortgages and equity loans in conjunction with Marketing initiatives. Provide quality service to members and potential members seeking residential mortgage loans.
- Acts as a resource for Home Loan Advisors to provide act as lead in policy, procedure, and Fannie Mae, FHA. VA, USDA, Bond and SHIP guidelines in the absence of lead of supervisor
- Must possess a clear understanding and proficiency in Fannie Mae, FHA, VA, USDA, Bond and SHIP guides as it relates to Mortgage Origination.
- Originates specialty products such as First Time Homebuyers, Jumbo, Mobile Home & Land, Condo, FHA, VA, USDA, Bond, SHIP and other products as assigned.
- Conducts a thorough interview, reviews and interprets credit and Desktop Underwriter, FHA/VA Automated Underwriting System and USDA Guaranteed Underwriting System requests appropriate documentation, discusses the outcome with member, and provides clear direction and expectations for the mortgage process. Submits a completed application with accurate notations to allow the support, processing, and underwriting teams to complete the file with minimal disruptions to the process flow.
- Acts as a main point of contact for member, branch and Call Center staff, as well as processing and support teams. Documents internal, external, and member conversation for each file. Provides guidance throughout the process and acts as a liaison between members and processing/support teams. Maintains communication with all support staff regarding progress of each mortgage loan file and communicates status and information to member as well as third parties as necessary.
- Regularly attends branch sales meetings. Prepares content for branch sales meetings periodically as a Subject Matter Expert.
- Attends and helps coordinate branch seminars relating to first time home buyers, seller seminars or buyer’s seminars.
- Exceeds monthly scorecard requirements as developed by Home Loan Advisor Supervisor for six months consecutively.
- Supports VyStar’s mission to become the primary financial institution of our members by providing service in an expeditious and courteous manner.
- Strives to meet individual goals by identifying opportunities to cross sell VyStar products and services and make referrals to branch Member Relationship Specialists and other VyStar business partners, i.e. Investment Services, Business Services, etc. Must be able to generate enthusiasm for all VyStar’s products and services through the cross-selling process.
- Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors and to provide support and feedback to employees assigned to the processing unit to consistently practice and demonstrate VyStar Excellence behaviors in performing the duties and responsibilities of their position. Expected VyStar behaviors are defined as:
Connect Consistently be friendly and approachable. Demonstrate you care.
Understand Listen empathetically and ask questions. (70%/30%)
Counsel Recommend solutions based on your client’s or member’s needs and objectives.
Advance Ensure that member’s expectations are exceeded. Verify follow-up action.
- Consistently demonstrates VyStar Excellence with providing service to the membership, credit union employees, and third-party vendors.
- Consistently adheres to VyStar core values and Code of Ethics and acts in accordance with corporate defined values and ethics.
- Responsible for understanding mortgage department goals as well as Credit Union goals and pro-actively works toward attainment of those goals.
- Identify and make recommendations to Mortgage Origination Management regarding process improvements, quality service, and increased efficiencies within the department.
- Performs other duties as assigned.