Senior Direct Home Loan Originator

<div class="row"> <div class="col-md-6 col-sm-8 col-xs-12"> <p>A career at The Auto Club Group (ACG) can be satisfying, exciting and rewarding. By aligning your professional development with our business objectives, ACG can help you attain your career goals &mdash; and make a difference. Get started by choosing the career that&rsquo;s right for you.</p> </div> </div>

Dearborn, MI

The Auto Club Group

AAA was founded over 100 years ago for the purpose of lobbying for driver and passenger rights, fair laws and safer vehicles — all to better promote the love of the open road and the adventure of driving. Since then, AAA has grown to over 50 million members strong, while providing valuable membership services such as roadside assistance. Additionally, AAA has broadened its horizons to include all types of travel-related services, as well as offer a variety of insurance and financial products and services. Today’s AAA is a national federation comprised of more than 50 individual clubs throughout the United States and Canada. Whether you’re traveling around the world or to the corner grocery store, planning a honeymoon or weekend road trip, learning to drive or in need of a battery boost, the best way to begin your journey is with AAA.

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Competitive Compensation and Benefits Package

Overview: The Auto Club Group (ACG) provides membership, travel, insurance and financial services offerings to approximately 9 million members and customers across 11 states and 2 U.S. territories through the AAA, Meemic and Fremont brands. ACG belongs to the national AAA federation and is the second largest AAA club in North America.<br /><br />The Auto Club Group offers a competitive compensation and benefits packages including a base salary with performance based incentives; medical/dental/vision insurance, pension, 401(k), generous time off, a complimentary AAA Membership and much more!<br /><br /> <div><strong><u><span style="font-family: Arial; font-size: medium;">Work Environment:</span></u></strong></div> <p><span style="font-family: Arial; font-size: medium;">Work in a temperature-controlled office environment.&nbsp;&nbsp;&nbsp; Work irregular hours as needed.&nbsp; Additional hours may be required during peak periods, early mornings, evenings, and weekends. Schedules are subject to change in order to meet the needs of the business.</span></p>
Responsibilities: <p><strong><u><span style="font-family: Arial;">Primary Duties and Responsibilities (details of the basic job functions):</span></u></strong></p> <ul> <li><span style="font-family: Arial; font-size: medium;">Under minimal supervision, respond to a wide range of customer inquiries and requests via telephone, online, and lead management in a centralized call center environment.&nbsp; Handle complex mortgage loan transactions.&nbsp; Interact with current and prospective customers, realtors, insurance agents and banking personnel to gather necessary information.&nbsp; Consult with customers in order to: analyze financial and credit data; determine customer financial objectives; suggest appropriate products and services; structure and close complex mortgage loans; resolve a range of complex problems.&nbsp; Assist in negotiation of terms while working within the strategies and guidelines established by management. Use sound judgement regarding escalation of issues to manager. Ensure that all interactions and activities are accurately executed and consistent with company values and regulatory requirements.</span></li> <li><span style="font-family: Arial; font-size: medium;">Build effective professional relationships with team members and internal business partners through all channels and across all sites.&nbsp; Act as a resource and mentor for less experienced staff.</span></li> <li><span style="font-family: Arial; font-size: medium;">Maintain current and emerging knowledge of residential home loan products, training and regulatory changes and requirements as well as departmental and procedures changes.&nbsp; Identify and inform management of emerging trends in the market place.</span></li> <li><u><span style="font-family: Arial; font-size: medium;">Supervisory Responsibilities (briefly describe, if applicable, or indicate None):&nbsp;</span></u>None</li> </ul>
Requirements: <div><strong><u><span style="font-family: Arial; font-size: medium;">Preferred Qualifications:</span></u></strong></div> <div><u><span style="font-family: Arial; font-size: medium;">&nbsp;</span></u></div> <div><u><span style="font-family: Arial; font-size: medium;">Knowledge and Skills:</span></u></div> <ul> <li><span style="font-family: Arial; font-size: medium;">Comprehensive understanding of the features, benefits, and design of all residential home loan products and services.</span></li> </ul> <strong><u><span style="font-family: Arial;">Required Qualifications (these are the minimum requirements to qualify):</span></u></strong> <p><u><span style="font-family: Arial; font-size: medium;">Education (include minimum education and any licensing/certifications):</span></u></p> <ul> <li><span style="font-family: Arial; font-size: medium;">High School Diploma or equivalent</span></li> <li><span style="font-family: Arial; font-size: medium;">Must register as a Mortgage Loan Originator with the Nationwide Mortgage Licensing System and Registry (NMLS) within six months of hire.&nbsp; The registration must be maintained and updated on a timely basis and renewed annually.</span></li> </ul> <div>&nbsp;</div> <div>&nbsp;</div> <div><u><span style="font-family: Arial; font-size: medium;">Experience:</span></u></div> <ul> <li><span style="font-family: Arial; font-size: medium;">Three years of experience originating residential mortgages and home equity loans.</span></li> <li><span style="font-family: Arial; font-size: medium;">Conventional and Government loan originations (FHA / VA)</span></li> <li><span style="font-family: Arial; font-size: medium;">Provide a high level of customer service</span></li> <li><span style="font-family: Arial; font-size: medium;">Navigating through and accessing information from multiple computer applications</span></li> <li><span style="font-family: Arial; font-size: medium;">Managing and navigating multiple sources of information and applying them as needed</span></li> </ul> <u><span style="font-family: Arial; font-size: medium;">Knowledge and Skills:</span></u><br /> <ul> <li><span style="font-family: Arial; font-size: medium;">Conventional mortgage lending (conforming and Jumbo) terminology and practices</span></li> <li><span style="font-family: Arial; font-size: medium;">Government loan origination (FHA / VA) terminology and practices</span></li> <li><span style="font-family: Arial; font-size: medium;">Home Equity Lending (HELOCs and closed end Home Equity loans) terminology and practices</span></li> <li><span style="font-family: Arial; font-size: medium;">Comprehensive understanding of the features, benefits, and design,&nbsp; of residential home loan products, services, and platforms</span></li> </ul> <u><span style="font-family: Arial; font-size: medium;">Ability to:</span></u><br /> <ul> <li><span style="font-family: Arial; font-size: medium;">Use probing techniques to discover needs and objectives, and identify appropriate sales opportunities</span></li> <li><span style="font-family: Arial; font-size: medium;">Offer comparisons and alternatives to competitor&rsquo;s offerings</span></li> <li><span style="font-family: Arial; font-size: medium;">Identify trends in the market place and suggests appropriate products and services to meet clients&rsquo; needs and objectives</span></li> <li><span style="font-family: Arial; font-size: medium;">Build and maintain strong relationships with clients and their representatives</span></li> <li><span style="font-family: Arial; font-size: medium;">Utilize problem solving and conflict resolution skills to resolve client issues and address requests</span></li> <li><span style="font-family: Arial; font-size: medium;">Handle stress appropriately while maintaining a high level of performance and diplomacy in a fast pace environment</span></li> <li><span style="font-family: Arial; font-size: medium;">Demonstrate effective communication skills</span></li> <li><span style="font-family: Arial; font-size: medium;">Effectively manage time by prioritizing and planning work assignments, balancing multiple responsibilities, expectations, and objectives while adhering to assigned schedules</span></li> <li><span style="font-family: Arial; font-size: medium;">Promptly respond to inquiries from customers, team members or management</span></li> <li><span style="font-family: Arial; font-size: medium;">Assist lower level staff</span></li> <li><span style="font-family: Arial; font-size: medium;">Ensure punctual, reliable attendance and adherence to work schedules.&nbsp;</span></li> <li style="list-style-type: none;"> <div><span style="font-family: Arial; font-size: medium;">&nbsp;</span></div> </li> </ul>