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About the Role

This role involves originating mortgage loans for members and non-members, making smart lending decisions, and ensuring the loan process moves smoothly from application to closing. The position aims to establish Heritage Financial Credit Union as a leading mortgage lending institution.

Responsibilities

• Actively sell CU products and services including consumer and real estate loans.
• Perform credit counseling and analyze credit reports.
• Solve difficult member issues.
• Develop Mortgage Loan business for members and non-members.
• Interview and counsel members regarding mortgage products and other credit union offerings.
• Stay informed of trends and developments in the local real estate market.
• Participate in sales development activities and furthering education.
• Interact with Credit Union personnel to ensure seamless service and processing of approved applications.
• Adhere to current laws and ensure compliance with terms.
• Coordinate lending activities with the loan department.
• Perform responsibilities in accordance with federal and state regulations, credit union policies and procedures.
• Refer members to Financial Services as appropriate.
• Work non-traditional hours as necessary to meet member and credit union needs and goals.
• Travel to maintain and build networking relationships that promote HFCU and its products and services.
• Attend realtor and networking functions to promote HFCU brand awareness.
• Maintain a presence in the local mortgage industry to create and promote the HFCU mortgage brand awareness.
• Utilize networking relationships to bring new memberships and mortgage loans to HFCU.
• Assist in training new employees.
• Recommend changes, workflow efficiencies, and quality improvements.
• Meet Goals/Core Comp requirements.
• Perform additional duties as assigned.

Requirements

• 4-year college degree preferred.
• Five to seven years of experience in sales and/or financial counseling, or a comparable combination of education and experience.
• Notary designation or ability to attain within 6 months.
• Knowledge of accounting principles, underwriting and compliance guidelines.
• Good communication skills.
• Working knowledge of Bank Secrecy Act (BSA) requirements and their impact on work.
• Experience using P.C. based software and Microsoft Office.
• Ability to project a professional appearance and positive attitude at all times.

Skills

• Mortgage lending
• Credit review
• Income and asset analysis
• Conventional loan understanding
• Sales
• Financial counseling
• Accounting principles
• Underwriting
• Compliance guidelines
• Communication
• P.C. based software
• Microsoft Office
• Networking

Location

• Onsite

Work Type

• Full-time

Experience Level

• 5-7 years

Education Level

• 4-year college degree preferred

Salary/Compensations

• $20.79 - $25.99 per hour plus commissions

Benefits

• Paid Time Off & Paid Federal Holidays
• Medical, Dental, Vision & Life Insurance
• Employee Assistance Program
• Flexible Spending Accounts (FSA)/Health Savings Accounts (HSA)
• Supplement Benefits: Critical Illness Care, Identity Theft Protection, Pet Insurance, Legal Services
• BenefitsPlus+ perks program
• CareNet - benefits concierge service
• 401(k) with 5% Employer Match
• Educational Assistance
• Paid Time to Volunteer
• HFCU Logo-wear

About the Company

• Heritage Financial Credit Union is a member-owned financial institution committed to helping members achieve financial goals and building a stronger community.
• We believe everyone deserves access to affordable financial services and provide members with the tools and resources to achieve their financial dreams.
• Our vision is to be the leading financial institution in the communities we serve.
• We are committed to creating a culture of excellence where employees can thrive.
• We believe in creating a workplace where everyone feels valued and respected, and where we can all work together to achieve our goals.
• We recognize that our employees are our most important asset and are committed to providing them with the training, development, and opportunities they need to succeed.

Equal Opportunity

• Employment at our Credit Union is based upon merit, ability, and qualifications.
• All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected status.