Mortgage Sales Assistant

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week.

We encourage you to become a part of VyStar Credit Union's family of employees.

Mortgage Sales Assistant

The Mortgage Sales Assistant will provide support to high producing Senior Mortgage Loan Officer (SMLO) to assist in managing the member’s loan through the pipeline and allowing the Mortgage Loan Officer to spend more time prospecting and originating loans and less follow up after the application. Will act as the liaison between processing and the Senior Mortgage Loan Officer. This position must have basic knowledge of financial institution protocol as well as basic knowledge of the mortgage lending environment including federal and state regulations as well as VyStar policies and procedures. The Mortgage Sales Assistant reports directly to the VP of Mortgage Sales.

ESSENTIAL RESPONSIBILITIES

• Connect with the member after the SMLO has made the introduction and hand off.
• Explain the Mortgage Sales Assistant’s role in the process and set expectations on how the process will work and the importance of getting missing documentation.
• Review AUS findings if applicable and/or the conditions needed to submit the file for underwriting.
• Confirm all services have been ordered and reviewed prior to submitting loan for UW review.
• Complete all required checklists.
• Communicate with the member and realtor if applicable on the following milestones:
  • Application submitted.
  • Loan approved and or need additional documentation after UW review.
  • Review any other conditions needed to bring to Clear to close.
  • Critical to determine what documents the processor will reach out on and what will you handle.
  • Confirm when appraisal is ordered and received.
  • Review appraisal to confirm it is AS IS and came in or above value.
  • Confirm when file is submitted for final review and is cleared to close.
  • Confirm closing date and review CD and/or have the Senior Mortgage Loan Officer review the CD.
• Communicate and create a productive working relationship with the processor to maximize the efficiency and delivering a great experience for the member.
• Create marketing flyers for open houses and or digital marketing in conjunction with your SMLO.
• Review realtor websites for listings on realtors to create a potential partnership.
• Conduct pipeline review with processing and report back to the SMLO so nothing falls through the cracks.
• Assist with all other duties requested by manager.

Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job.

• Focus Focus your full attention by carefully listening to and observing your client or member.
• Connect Consistently be friendly and approachable. Demonstrate you care.
• Understand Listen empathetically and ask questions. (70%/30%)
• Counsel Recommend solutions based on your client’s or member’s needs and objectives.
• Advance Ensure that member's expectations were exceeded..

Verify necessary follow-up action.

JOB QUALIFICATIONS

EDUCATION

• The minimum formal education required is a high school diploma or its equivalent. Computer literacy is required.

EXPERIENCE

• 2+ years mortgage lending experience and familiar with the lending process, credit reporting, terminology, evaluation, and interest computation methods.

KNOWLEDGE, SKILLS & ABILITIES

• The successful candidate for this job must have excellent communication skills and should have the ability to interface effectively with members and staff to ensure smooth workflow and provide efficient service to members while staying abreast of changing policies and procedures.
• Proficient in Word and Excel.
• Candidate must be able to work independently on a very professional level. Familiar with conventional and equity loan financing as well as a high-level knowledge of all regulations governing mortgage lending.

CERTIFICATIONS

• Specialized classes or training in mortgage lending beyond the high school level is required. The employee must meet and maintain all the requirements as a registered mortgage loan originator employed by a Federally regulated Institution with the Nationwide Mortgage Licensing System and Registry (NMLS). The employee must comply with all provisions of the Act as defined in the Secure and Fair Enforcement of Mortgage Licensing Act of 2008 (S.A.F.E. Act) and credit union S.A.F.E. Act Procedures. 
• This position requires NMLS within 15 days of hire.

DISCLAIMERS AND WORK ENVIRONMENT

Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management.

The work environment characteristics described are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects.

VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union.

No placement fee will be paid if a candidate is hired as a result of the referral, or through other means.

Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members.

Thank you again for your interest in this position!

VyStar Credit Union Human Resources