Financial Product Sales Several Branch Stores, United States Of America Kenosha, Wisconsin Racine, Wisconsin Milwaukee, WI Janesville, WI Beloit, WI
Real Estate Loan Representative Position Summary:
Offer information about credit union profile home loan products to people based on all credit union policies and procedures, and Federal and State regulations. Collate and evaluate specific monetary information in help of loan decisioning procedure. Evaluate and recommend loan approvals, denials, and counteroffers based on specific circumstances and information. Process required forms and documentation that is related home mortgage services and products. Improve credit union services and products. Lovers to accept or reject loan requests centered on company and analysis home loan policies. Works closely with home loan help staff to make sure prompt reaction to user inquires, and make certain a typical of solution quality.
Home loan Representative Major Duties and Duties:
- Interview home mortgage applicants. Assist user in doing loan requests over the telephone and/or electronically.
- Collate, analyze, and assess information & paperwork to get loan applications.
- Evaluate debtor Character, Collateral, ability to Repay, and Credit place as part of loan decisioning procedure based upon specific circumstances.
- Determine debt-to-income ratios, collateral needs, and payment plans on loan candidates.
- Correspond with users, candidates, and creditors to eliminate concerns regarding application information.
- See community and business associates to advertise and offer MCU’s solutions, and successfully develop lending business.
- Offer informative data on portfolio home loan products which best meet with the user’s needs that are individual circumstances.
- Suggest the dwelling of loan prices, terms, and quantities for individual borrowers.
- Suggest loan approval/denials, counter-offers, and deviations from typical loan pricing and structure.
- Prepare loan paperwork for processing and underwriting, ensuring it really is complete and accurate. Manage loan closing procedure with customers.
- Talk to people together with general general general public about asset purchase, credit administration, budgeting, financial obligation restructuring, and planning that is financial.
- Notify applicant of loan choice. Inform prospective borrowers of loan commitments.
- Review laws while they affect loan that is installment agreements.
- Assist people with making re re payment plans on loans.
- Communicate with members plus the general general public to obtain loan requests. System with community associates so that you can market real estate loan company development.
- Lovers along with other staff by moving possibilities to develop lending that is additional deposit business in their mind as possibilities arise, and following through to home loan leads passed away off their workers.
- Work effectively along with other divisions to make certain appropriate procedure, record retention, and information gathering recommendations and procedures are followed.
- Handle delinquent account files when it comes to credit union, including collections work via phone and/or in-person. Suggest loan customizations and/or financial obligation restructuring as appropriate based on debtor circumstances.
- Improve other Marine Enterprise services and products.
Home Loan Representative Objectives:
- Offer member that is exceptional to the users.
- Comply with all policies that are applicable procedures, and laws.
- Work proactively to construct relationships essential to fulfill set objectives for the career.
- Effortlessly help members in addition to public through the mortgage approval and application process, educating them about loan problems as required.
- Efficiently prepare loan paperwork for processing, ensuring its accurate and complete.
- Help out with handling danger through diligence into the information gathering procedure.
- Provide timely, service-oriented feedback to candidates concerning the status of these loans.
- Assist manage delinquency best online title loans Anna of assigned loan files via collections task.
- Perform assigned loan possibility and delinquency telephone telephone calls to aid in fulfilling objectives for the positioning.
- Get access to transport on demand in order to visit customer and merchant appointments away from office as needed.
Home loan Representative Knowledge, Skills and Abilities:
- Knowledge of the home mortgage application procedure and customer credit.
- Power to collate and evaluate specific debtor economic information.
- Assessment of data, and power to make suggestions loan that is regarding, framework, quantities, and terms as appropriate.
- Power to suggest loan approvals, denial, and counteroffers in relation to analysis of specific facts and circumstances.
- Capability to build rapport, explaining item features & benefits, and persuasively communicate.
- Abilities in developing company.
- Sound Computer computing abilities, including MS-Office and loan application software.
- Strong issue skills that are solving. Capacity to build trust and credibility.
- Past customer financing experience at aquatic Credit Union preferred.
Home Loan Representative Experience:
- Previous experience gathering information, analyzing consumer economic information, and making economic item guidelines.
- Past company development experience that is/networking.
- Past Mortgage/Consumer Lending, Banking, or product product Sales experience desired.
- Experience building companies of community/industry connections to aid company objectives a bonus.
- Experience employed in a real face to manage consumer service/sales environment.
- An archive of success in meeting set, external company objectives.
Home Loan Representative Education: Senior School Diploma. College education in operation management, advertising, product Sales, or Finance desired.