贷款专员
Loan Officer
其他限定地区（需当地身份）
公司Polish & Slavic Federal Credit Union
薪资$43,000 - $54,000/年
工作地点United States
地域资格限定地区（需当地身份）
时区要求日间重叠约 9 小时，基本正常作息
用工类型Full Time
发布时间15 天前
数据来源Himalayas
注意地域限制：该职位明确限定在 United States 招聘。如果你是位于中国大陆的求职者，通常需要当地工作身份才能投递，或需与雇主确认是否接受独立合同（Contractor）形式合作。
波兰与斯拉夫联邦信用社致力于通过提供有价值的福利来支持员工的全面福祉。信用社自豪地提供具有竞争力的福利包，包括：医疗保险、视力保险、牙科保险、退休计划、人寿保险、学费报销和宠物保险等其他福利。我们还提供慷慨的带薪休假政策，包括年假、个人假和病假，以及生日假期。
- 与新老会员建立关系，并在按揭过程中提供专业指导。
- 与房地产经纪人和专业人士合作，确保无缝体验。
- 对会员或潜在会员进行资质预审（收入、信用和资产分析）。
- 选择合适的贷款方案，对会员进行面谈以完成申请。
- 收集必要文件，整理贷款档案，出具初步披露文件（IL、NJ、FL）及相关费用，并准备贷款申请以供处理。
- 向会员说明贷款流程中的步骤和正常时间框架，包括但不限于设定关键事件的时间预期、利率、费用、APR和其他重要的融资要素。
- 推销其他信用社产品和服务，以补充和提升会员的财务状况。
- 在贷款过程中与申请人保持联系，更新其贷款申请状态并解决任何问题。
- 高效管理多个贷款申请和截止日期，同时确保会员和PSFCU的流程顺畅。
- 与处理/承销/结案团队协调，以满足预定的结案日期。
- 理解房地产行业、购房市场和生命周期。
- 具备指导和辅导会员掌握购房和再融资贷款细节的能力。
- 熟悉信用社批准的按揭贷款产品的按揭计划指南，以及TRID中规定的贷款估算和结案披露要求、利率和APR。
- 在按揭申请过程中遵守联邦、州和地方法律，以及与公平信贷、平等住房机会、真实贷款和房屋抵押披露法案相关的信用社政策。
- 组织、计划、开发并为房地产经纪人和会员举办购房研讨会。
- 保持准确的记录，跟踪贷款状态，并保持条理清晰以处理大量贷款申请。
查看英文原文
Polish & Slavic Federal Credit Union is committed to supporting our employees’ overall wellbeing by providing valuable benefits. The credit union proudly offers a competitive benefits package, that includes: Medical, Vision and Dental Insurance, Retirement Plans, Life Insurance Plans, Tuition Reimbursement and Pet Insurance, among other benefits. We also have a generous Paid Time Off policy including Vacation, Personal and Sick Time, as well as, a Birthday Day off.
- Build relationships with new and current members and provide expert guidance through the mortgage process.
- Collaborate with real estate agents and professionals to ensure seamless experience.
- Pre-qualify members or potential members (income, credit and asset analysis).
- Choose appropriate loan plan options, interview the member to complete application.
- Gather necessary documents, assemble loan file, issue preliminary disclosures (IL, NJ, FL) with related fees and prepare loan application for processing.
- Advise members of steps and normal timeframes in the loan process, including but not limited to setting expectations for time critical events, rates, fees, APR and other important elements of financing.
- Cross sell additional credit union products and services that complement and enhance the member’s financial well-being.
- Stay in contact with applicants throughout the loan process to update them on the status of their loan application and resolve any issues.
- Manage multiple loan applications and deadlines efficiently while ensuring a smooth process for members and PSFCU.
- Coordinate with processing / underwriting / closing teams to meet the scheduled closing date
- Understand the Real Estate industry, home purchase market and life cycle.
- Have the ability to coach and counsel members in the nuances of home purchase and refinance loans.
- Possess knowledge of mortgage program guidelines for credit union approved mortgage loan products as well as strong understanding of Loan Estimate and Closing Disclosure requirements as outlined in TRID, interest rates and APR.
- Comply with federal, state and local laws as well as credit union policy related to Fair Credit, Equal Housing Opportunity, Truth in Lending and the Home Mortgage Disclosure Act throughout the mortgage application process.
- Organize, plan and develop, and deliver home buying seminars to both Realtors and Members.
- Keep accurate records, track loan statuses, and stay organized to manage a high volume of members and documentation.
- Any other duties or responsibilities, as required or assigned.
Requirements:
- Minimum of 2-3 years of 1st mortgage lending sales experience including both purchase and refinance loans required.
- Excellent verbal and written communication and relationship-building skills.
- Comprehensive knowledge of mortgage products and lending regulations.
- Self-motivated and detail oriented.
- Fluent in verbal and written Polish language.
Pay: $43,000 - $54,000 per year
AN EQUAL OPPORTUNITY EMPLOYER
Originally posted on Himalayas
本页面信息整理自 Himalayas，版权归原发布方所有。职位可能随时关闭，投递请以原始页面为准。
本站只做信息聚合展示，不参与招聘流程，也不向求职者收取任何费用。