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    Lead Mortgage Loan Consultant - Tampa, United States - Suncoast Credit Union

    Suncoast Credit Union
    Suncoast Credit Union Tampa, United States

    3 weeks ago

    Default job background
    Description

    Overview:

    Pay Transparency:
    $73,000 - $120,000 based on experience and credentials

    Location Type:
    Hybrid,

    a flexible work model blending in-office and remote working

    Position Type:
    Full Time

    Schedule:
    Monday through Friday 8:00 AM - 5:00 PM

    Training:
    Onsite for the first 3 months

    The Lead Mortgage Loan Consultant (LMLC) serves as a member advocate in an assigned branch network.


    Key responsibilities include taking incoming residential mortgage, home equity leads, and applications from lobby, branch, online, or telephone member requests.

    This individual maintains effective communication with members and other stakeholder parties to ensure timely decisions occur.

    An ideal candidate takes ownership to provide excellent member service according to Suncoast Credit Unions mission, vision, and DNA statements.


    Responsibilities:
    Evaluate loan data to ensure loans meet eligibility and underwriting guidelines of Suncoast and investors
    Collect support documentation and provide loan decision for portfolio loans
    Send supporting documentation and decision recommendations to the Underwriter when a request is ineligible to be underwritten by LMLC
    Ensure the accuracy and integrity of submitted data
    Analyze details and gather additional information necessary to ensure timely loan decisions
    Ensure members understanding by answering questions, explaining preliminary documents and the next steps
    Utilize mortgage approval authority to make timely decisions on applicable mortgage loan requests
    Maintain authorized approval authority for assigned first mortgage products
    Review and analyze all documentation to determine acceptability based on the portfolio or investor underwriting guidelines
    Analyze tax returns to determine accurate income used in calculating debt to income ratio
    Review sales contracts and update origination system as necessary

    Ensure compliant change of circumstance is documented and revised Loan Estimate is produced, along with obtaining members Intent to Proceed.

    "
    Determine when a new loan estimate is required on purchase or refinance applications due to change of circumstance
    Explain the content of the consumer mortgages preliminary disclosures, such as the term of the loan, rate, APR, closing costs, payment options, credit union paid closing costs, variable rate plans, and documentation requirements
    Submit accurate applications with required supporting documentation to the underwriter
    Recommend approval or denial decisions to the underwriter
    Notify members of loan decisions by phone, electronic notification, or by mail
    Prepare and mail Regulation B letters advising members of additional information needed
    Complete the Home Mortgage Disclosure Act for government monitoring information and record accurate data in origination systems for reporting purposes
    Utilize daily reports from the origination system to maintain the current status of assigned files
    Maintain compliance with internal departmental policy and procedures regarding productivity and response time
    Cross-sell Suncoast Credit Union products and services when applicable
    Maintain knowledge and understanding of current mortgage products, regulatory compliance, and investor guidelines
    Attend educational events to increase professional knowledge


    Qualifications:
    Bachelors degree in a business-related field ( A comparable combination of work experience and training may be substituted for education requirements)
    3+ years of mortgage lending experience with a financial institution
    Ability to prioritize tasks by effectively managing competing and changing priorities to meet required deadlines
    Accurate, detail-oriented, and organized with task management
    Good knowledge and understanding of regulatory compliance necessary to successfully perform job responsibilities such as TRID, HMDA, ECOA, FNMA, and PMI
    Ability to analyze and resolve complex problems
    Strong written, verbal, and interpersonal communication skills to interact effectively with members, staff, vendors, and government regulators
    Ability to communicate policies, practices, and procedures
    Ability to maintain a high level of confidentiality
    Skills
    Analytics
    Customer Service
    Leadership
    Networking
    Sales
    Safe Act Statement

    This position requires the employee to register as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry (NMLS).

    The employee will obtain a unique identifier from the registry before engaging in mortgage loan originator activities.

    The employee must maintain and renew the registration on an annual basis, provide updated registration information with the registry on a timely basis, and provide a unique identifier to consumers as required by applicable SAFE Act regulations and Suncoast Credit Union policies and procedures.

    Benefits

    Financial Well-Being:
    Bonus Program up to 9%, 401K Matching up to 8%, Retirement Planning, Pay Increases based on Competency, Employee Loan Discounts, Flex Spending Accounts

    Wellness:
    Medical Coverage, Dental and Vision Coverage, Access to 4,000+ Gyms, Mental Health Resources, PTO Wellness Days, Short Term and Long Term Disability Coverage

    Work-Life Balance:

    11 Paid Holidays, 3 weeks of Paid Time Off, 4 weeks of Paid Parental Leave, Birthday PTO

    Community Involvement:
    Paid Volunteer Hours

    Growth:
    Degree Assistance up to $5,000 per year

    Flexibility:
    Remote, Hybrid, and Onsite Schedules

    Security:
    Pet Insurance, Free Identity Theft Protection, Legal Assistance
    For more information, including additional benefits, please visit our benefits website at

    Company Overview

    Suncoast Credit Union is consistently chosen as a Tampa Bay Times Top Workplace because its employees genuinely #LOVEWORK Employees flourish in an inclusive culture celebrating growth and prioritizing the community.

    Chartered in 1934, Suncoast has never furloughed any employees.
    For more information, please visit our careers site at

    #J-18808-Ljbffr
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