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Home Loan Consultant
Georgia United Credit Union. Participate in all steps of mortgage loan origination, including reviewing new loan applications, conducting interviews, and processing preliminary documentation .
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. Proficient in providing excellent member service while maintaining confidentiality and accuracy in a fast-paced environment.
Highest-signal resume keywords
Mortgage Loan OriginationKnowledge of RESPA, HMDA, ECOA, FCRANMLS License MaintenanceSolid Math and Calculation SkillsComputer Proficiency with MS Office
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 ProcessingLoan Documentation ReviewConditional Loan ApprovalsCredit Report Issue ResolutionAttention to DetailRecords and File ManagementLoan Alternatives DiscussionFinancial CounselingProblem ResolutionLoan Approval Notification
Soft Skills
Professional CommunicationTeam PlayerCustomer ServiceCalm Under PressureInterpersonal Skills
Tools & Technologies
MS OfficeInternetEmail
Certifications & Qualifications
NMLS LicenseSAFE Act Compliance
Industry Keywords
Mortgage StandardsLending StandardsLocal Real Estate TrendsCompetitive Market TrendsUnderwriting Criteria
About the role
Key responsibilities & impact- Participate in all steps of mortgage loan origination, including reviewing new loan applications, conducting interviews, and processing preliminary 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 approval or denial
- Explain loan denials clearly and precisely
- Counsel members on money management and financial matters, especially after denials, and offer alternatives where 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, local real estate, and competitive market trends
- Assist Mortgage Loan Processors with effectively processing loans through closing
- Keep management informed of area activities and significant problems
- Promote additional Georgia United retail and consumer lending products and services
- Build strong, positive, and productive working relationships across the organization
Requirements
What you’ll need- High school diploma or better
- 2 years of mortgage loan origination and processing experience
- Knowledge of mortgage loan processing functions
- Knowledge of mortgage-related requirements, procedures, and underwriting criteria
- Solid math and calculation skills
- Knowledge of RESPA, HMDA, ECOA, FCRA, Flood Determination, Reg Z, Ability to Repay, and Interagency Appraisal and Evaluation Guidelines
- Must meet qualifications necessary to maintain an NMLS license and meet SAFE Act requirements
- Computer proficiency with MS Office, including Word, Excel, and PowerPoint, Internet, and Email
- Ability to communicate professionally and effectively, verbally and in writing
- Ability to work with confidential and time-sensitive information in a fast-paced, team-oriented environment
- Attention to detail, accuracy, and production
- Excellent records and file management skills in a paperless work environment
- Ability to provide excellent member service and remain calm and courteous in stressful situations
- Detail-oriented and able to complete tasks thoroughly
- Team player who works well as a member of a group
Benefits
Comp & perks- Equal employment opportunity protections
- Reasonable accommodations in accordance with the ADA and applicable laws
- At-will employment
- E-Verify participation for employment eligibility verification