Home Loan Representative

Rally Credit Union
Mcallen, TX
Primary Objective Of Position

Partner with Home Loan Officer with sales and service on home loan applications. Follow up with home loan applicants and collect loan documents to submit loan to underwriting and processing. Support Home Loan Officer with routine service calls and follow ups.

Essential Job Functions

  • Partner with Home Loan Officer in collecting required supporting loan documentation, analyzing credit and financial data, and pipeline maintenance.
  • Provide a consultative sales approach to meet our member’s financial needs by proactively identifying opportunities to cross-sell and up-sell beneficial products and services.
  • Maintain excellence in delivering member service and exceeding the credit union and department service standards.
  • Consistently meet or exceed sales goals as set by management by effectively and efficiently cross-selling credit union products and services to both current and potential members.
  • Assist with the preparation and loan structure presentation to mortgage loan underwriter.
  • Fill in for Home Loan Representative or Home Loan Officer at branch locations which may include travel to and from other branch locations within the region.
  • Assist processor, mortgage loan underwriter and loan administration to ensure all loan conditions are satisfied.
  • Promote a teamwork attitude to ensure all credit union goals and objectives are achieved.
  • Keep member informed throughout loan process and assist with closing procedures.
  • Ensure the protection of the credit unions interest in matters of adequate documentation and adherence to policies and the various laws and regulations that apply.
  • Attend all required lending trainings and meetings.
  • Assist staff with mortgage servicing and collection efforts as needed.
  • Offer and cross sell all credit union services and products.
  • All other duties assigned.

RELATIONSHIPS AND CONTACTS

Supervise Approximately: None

Reports To: Home Loan Sales Assistant Manager - Division

Contacts: Frequent contact with members, staff and other departments by face to face, telephone and email.

Qualifications

EDUCATION

  • High School Diploma or GED.

Experience

  • Three (3) years experience in assessing member financial needs in a high-volume sales or service goal driven environment
  • One (1)year mortgage/real estate or commercial lending experience preferred
  • Bilingual ability preferred

Physical Requirements

  • Ability to work in a fast paced, fluid environment and be held to minimum production standards. Candidate must be able to sit for long periods of time.
  • The position involves wrist/hand/fingers manipulation; movement is inherent in the job as well as restriction to workspace for prolonged periods.
  • Vision abilities required by this job include close vision for frequent viewing of computer monitor and review of documents.
  • Must have a valid driver’s license, and the ability to drive a vehicle for business related purposes.
  • Must have the ability to communicate verbally with staff and members.

Mental Requirements

  • Perform job functions independently or with limited supervision and work effectively either on own or as part of a team.
  • Must have a strong ability to read and carry out various written instructions and follow oral instructions.
  • Must have a strong ability to speak clearly and deliver information in a logical and understandable sequence.
  • Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of member service and discretion when dealing with the public.
  • Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace.
  • Must be able to effectively handle multiple, simultaneous, and changing priorities.
  • Must be capable of exercising highest level of discretion on both internal and external confidential matters. Proven ability to make decisions based upon prior precedence, business knowledge and judgment.

Equipment Skills

  • Strong computer skills; proficient in Microsoft Word, Excel and Outlook.

Candidate is subject to initial and subsequent reviews and assessments of registry requirements through NMLS (Nationwide Mortgage Licensing System) as well as a review of their criminal background, credit report and NMLSR (Registry).

Candidate must be available to travel to other branches, work outside of business hours and Saturday’s when requested by management.

The above statements reflect the general details considered necessary to decide the principal functions of the job identified and shall not be construed as detailed description of all work requirements that may be inherent in the job.
Posted 2025-12-24

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