Realtor Jobs in Oregon (NOW HIRING)

GENERAL PURPOSE

Responsible for growth and development of the mortgage program at the credit union, through self-generated mortgage leads with no access to internal referrals. This position promotes mortgage lending through contacts with realtors, builders and networking. This position is responsible for all aspects of residential mortgage loan origination and processing. Remains front line contact with customers and realtors to ensure that documents required for processing, underwriting, and closing are secured in a timely manner. The salary for this position is 100% commission.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Uphold CCU's core values: Be the Advocate, Embrace Curiosity, and Be Compassionate.
• Develops valued relationships by establishing rapport with area realtor contacts and realtor associations to ensure continued financial partnerships.
• Participate in outside realtor groups/events and other avenues to increase awareness of Colorado Credit Union mortgage program.
• Responsible for the origination of all residential mortgage loans in accordance with established goals and standards for the credit union and in compliance with all company, third party, agreed, local, states, and federal guidelines, rules, and regulations associated with residential lending.
• Interviews members applying for residential mortgage loans, obtaining pertinent financial and loan information from the member. Analyzes the member’s financial posture to determine if it meets minimum loan criteria established by credit union.
• Ensure the protection of the credit union’s assets through adequate and accurate verification of property values, tax assessments, members’ employment history and earnings, credit information, flood certification and other necessary data utilized in loan decisioning.
• Consistently educating oneself with regulatory changes as well as investor changes.
• Cross sell all credit union products and services.
• Meets or exceeds individual sales goals in order to support the achievement of overall CU goals.
• Participate in credit union business development and community volunteer opportunities.
• Adhere to all service standards as outlined in the credit union’s policies and procedures.
• Ensures that lending operations are conducted in accordance with established Credit Union policies, procedures, approval authority and all fair lending laws (i.e. Equal Credit Opportunity Act , Consumer Credit Protection Act, Truth In Lending Act, Fair Housing Act and Home Mortgage Disclosure Act, etc). Ensures compliance with the non-discrimination provisions of applicable fair lending laws and regulations.
• Perform other duties as requested or needed.

KNOWLEDGE, SKILL AND ABILITY

Spanish speaking preferred.  Knowledge of and ability to apply principles of lending and lending regulations.  Thorough knowledge of lending products and credit union lending policies.  Ability to apply effective member service skills, apply logic, counsel, read.  Ability to analyze credit information, make decisions, and communicate in writing and verbally (by phone and in person).  Ability to perform basic mathematical calculations such as adding, subtracting, multiplying and dividing. Must be able to work independently and prioritize work load. Must have a valid driver’s license.

EDUCATION AND FORMAL TRAINING

Associates Degree in Business Administration or related discipline.

EXPERIENCE

Minimum of three years lending and residential mortgage loan origination background.

Prefer extensive financial institution background.

WORK ENVIRONMENT/PHYSICAL ACTIVITES

WORK ENVIRONMENT:

The work environment characteristics described here are representative of those 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. The noise level in the work environment is usually moderate.

PHYSICAL DEMANDS:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties, the employee is regularly required to use hands to finger, handle, or feel and talk and hear. The employee is frequently required to stand; walk and reach with hands and arms. The employee is occasionally required to sit and stoop, kneel or crouch. The duties are likely performed in an office environment but will also require travel to outside business locations to generate business and attend training/meetings, etc. This position will not hold office space at the credit union, but must ensure the chosen workplace is secure and all information is held in strict accordance with CCU’s confidentiality policy and expectations.

BENEFITS

This position is eligible for the following benefits:

• Medical/Dental/Vision Insurance
• Company Paid Life, Short-term Disability, and Long-term Disability Insurance
• 401k Employer Contributions & Match
• Annual Profit Sharing  funded into the 401k
• Tuition Reimbursement (Max $5,250.00/annually)
• Paid Time Off 
• Company Paid Holidays
• Work-Life Balance and Flexible Work Schedules
• Cross-Training and Career Development Opportunities
• Employee Recognition Program
• Monthly Commission Opportunities
• Annual Bonus Based on Company Performance
• Bilingual Pay Differential for Employees Fluent in Spanish