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Home Equity Loan Consultant
Georgia United Credit Union. Participate in all steps related to the origination of home equity loan products .
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in mortgage loan origination and processing, with a strong understanding of mortgage-related requirements and underwriting criteria. Capable of providing excellent member service while managing confidential information in a fast-paced environment.
Highest-signal resume keywords
Mortgage Loan OriginationMortgage Processing FunctionsKnowledge of Regulatory RequirementsExcellent Member ServiceSolid Math and Calculation Skills
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Mortgage Loan ProcessingUnderwriting CriteriaLoan DocumentationConditional Loan ApprovalsCredit Report AnalysisFile ManagementMathematical Skills
Soft Skills
Professional CommunicationProblem ResolutionTeam CollaborationCustomer ServiceStress Management
Tools & Technologies
MS OfficeWordExcelPowerPointEmail
Certifications & Qualifications
NMLS LicenseSAFE Act Compliance
Industry Keywords
RESPAHMDAECOAFCRAFlood DeterminationReg ZAbility to RepayInteragency Appraisal Guidelines
About the role
Key responsibilities & impact- Participate in all steps related to the origination of home equity loan products
- Review new loan applications, conduct interviews, and process preliminary loan documentation
- Discuss loan alternatives, credit criteria, interest rates, and loan documentation professionally
- Prepare and issue conditional loan approvals
- Perform follow-up work and notify members of loan qualification or denial
- Explain loan denials clearly and precisely
- Counsel members on money management and financial matters, offering alternatives when applicable
- Resolve loan application problems, including credit report issues, low appraisals, low salary levels, and high debt ratios
- Review information for completeness and accuracy and clarify missing or questionable information
- Resolve or refer requests and problems promptly and courteously
- Stay informed about lending standards, legal requirements, and local real estate and competitive market trends
- Assist and support Mortgage Loan Processors in effectively processing loans for closing
- Keep management informed of area activities and significant problems
- Promote opportunities within Georgia United’s retail and consumer lending product suite
- Establish strong, positive, and productive working relationships across the organization
Requirements
What you’ll need- High School or better
- Minimum 2 years’ experience in mortgage loan origination and processing
- Knowledge of mortgage loan processing functions
- Knowledge of mortgage-related requirements, procedures, and underwriting criteria
- Solid math and calculation skills
- Computer proficiency with MS Office, including Word, Excel, and PowerPoint, Internet, and Email
- Ability to communicate professionally and effectively, both verbally and in writing
- Ability to work with confidential and time-sensitive information in a fast-paced, team-oriented environment
- Excellent records and file management skills, including ability to function in a paperless work environment
- Demonstrated ability to provide excellent member service and remain calm and courteous in stressful situations
- Preferred: knowledge of regulatory requirements including RESPA, HMDA, ECOA, FCRA, Flood Determination, Reg Z, Ability to Repay, and Interagency Appraisal and Evaluation Guidelines
- Must meet the qualifications necessary to maintain an NMLS license and meet the requirements of the SAFE Act
Benefits
Comp & perks- Equal employment opportunity and inclusive workplace commitment
- Reasonable accommodations in accordance with the Americans with Disabilities Act (ADA) and other applicable laws
- At-will employment
- E-Verify participation for employment eligibility verification