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DESCRIPTION: Are you a skilled communicator with a passion for helping others? As a Real Estate Sales Agent with our top-rated firm, you'll be at the forefront of the property market, helping clients buy, sell, and invest in their future. Your role will involve everything from prospecting new leads to organizing property viewings and negotiating sales contracts. With your expertise and our industry-leading support, you'll provide clients with the confidence they need to make life-changing decisions. In this role, you'll have the opportunity to build long-lasting relationships with clients, guiding them through every step of the sales process. You'll be supported by a team of professionals who share your commitment to excellence and client satisfaction. With a focus on continuous learning and professional growth, you'll have access to the latest sales techniques and market insights to help you succeed. If you're driven, dedicated, and ready to take your sales career to the next level, we invite you to join our team and make a real impact in real estate sales. RESPONSIBILITIES: Guide clients through the buying and selling process with personalized service. Schedule and conduct property showings, open houses, and tours. Prepare and present detailed property listings with photos and pricing. Build and maintain a network of clients and industry contacts. Manage all required documentation, ensuring accuracy and legal compliance. Stay updated on real estate laws, regulations, and market conditions. COMPENSATION: Full Commission ($50000 - $100000 yearly) Real Estate Professionals earn money for each transaction they complete. As you make more transactions, you earn more income. After a few years of disciplined work, it's not unusual for a Real Estate Agent to be earning $50000 - $100000 yearly or more. The more work you put into establishing a client base, the more money you will earn. ABOUT: Cressy & Everett Real Estate, founded in 1946, is a member of Leading Real Estate Companies of the World, an international network of independent real estate companies. We have over 150 sales associates and are a regional, full-service firm specializing in residential brokerage and home warranties through our nine offices in five Indiana and Southwestern Michigan counties. Cressy & Everett Real Estate has the most reputable and knowledgeable sales professionals in Northern Indiana and Southwestern Michigan - more than any company in the area. We take the training and development of our agents seriously. To stay competitive in today's market, you need more tools and services than your competition. As a member of the Cressy & Everett brand, you'll benefit from our local support and systems to grow your business.

DESCRIPTION: Are you a skilled communicator with a passion for helping others? As a Real Estate Sales Agent with our top-rated firm, you'll be at the forefront of the property market, helping clients buy, sell, and invest in their future. Your role will involve everything from prospecting new leads to organizing property viewings and negotiating sales contracts. With your expertise and our industry-leading support, you'll provide clients with the confidence they need to make life-changing decisions. In this role, you'll have the opportunity to build long-lasting relationships with clients, guiding them through every step of the sales process. You'll be supported by a team of professionals who share your commitment to excellence and client satisfaction. With a focus on continuous learning and professional growth, you'll have access to the latest sales techniques and market insights to help you succeed. If you're driven, dedicated, and ready to take your sales career to the next level, we invite you to join our team and make a real impact in real estate sales. RESPONSIBILITIES: Guide clients through the buying and selling process with personalized service. Schedule and conduct property showings, open houses, and tours. Prepare and present detailed property listings with photos and pricing. Build and maintain a network of clients and industry contacts. Manage all required documentation, ensuring accuracy and legal compliance. Stay updated on real estate laws, regulations, and market conditions. COMPENSATION: Full Commission ($50000 - $100000 yearly) Real Estate Professionals earn money for each transaction they complete. As you make more transactions, you earn more income. After a few years of disciplined work, it's not unusual for a Real Estate Agent to be earning $50000 - $100000 yearly or more. The more work you put into establishing a client base, the more money you will earn. ABOUT: Cressy & Everett Real Estate, founded in 1946, is a member of Leading Real Estate Companies of the World, an international network of independent real estate companies. We have over 150 sales associates and are a regional, full-service firm specializing in residential brokerage and home warranties through our nine offices in five Indiana and Southwestern Michigan counties. Cressy & Everett Real Estate has the most reputable and knowledgeable sales professionals in Northern Indiana and Southwestern Michigan - more than any company in the area. We take the training and development of our agents seriously. To stay competitive in today's market, you need more tools and services than your competition. As a member of the Cressy & Everett brand, you'll benefit from our local support and systems to grow your business.

DESCRIPTION: Are you a skilled communicator with a passion for helping others? As a Real Estate Sales Agent with our top-rated firm, you'll be at the forefront of the property market, helping clients buy, sell, and invest in their future. Your role will involve everything from prospecting new leads to organizing property viewings and negotiating sales contracts. With your expertise and our industry-leading support, you'll provide clients with the confidence they need to make life-changing decisions. In this role, you'll have the opportunity to build long-lasting relationships with clients, guiding them through every step of the sales process. You'll be supported by a team of professionals who share your commitment to excellence and client satisfaction. With a focus on continuous learning and professional growth, you'll have access to the latest sales techniques and market insights to help you succeed. If you're driven, dedicated, and ready to take your sales career to the next level, we invite you to join our team and make a real impact in real estate sales. RESPONSIBILITIES: Guide clients through the buying and selling process with personalized service. Schedule and conduct property showings, open houses, and tours. Prepare and present detailed property listings with photos and pricing. Build and maintain a network of clients and industry contacts. Manage all required documentation, ensuring accuracy and legal compliance. Stay updated on real estate laws, regulations, and market conditions. COMPENSATION: Full Commission ($50000 - $100000 yearly) Real Estate Professionals earn money for each transaction they complete. As you make more transactions, you earn more income. After a few years of disciplined work, it's not unusual for a Real Estate Agent to be earning $50000 - $100000 yearly or more. The more work you put into establishing a client base, the more money you will earn. ABOUT: Cressy & Everett Real Estate, founded in 1946, is a member of Leading Real Estate Companies of the World, an international network of independent real estate companies. We have over 150 sales associates and are a regional, full-service firm specializing in residential brokerage and home warranties through our nine offices in five Indiana and Southwestern Michigan counties. Cressy & Everett Real Estate has the most reputable and knowledgeable sales professionals in Northern Indiana and Southwestern Michigan - more than any company in the area. We take the training and development of our agents seriously. To stay competitive in today's market, you need more tools and services than your competition. As a member of the Cressy & Everett brand, you'll benefit from our local support and systems to grow your business.

DESCRIPTION: Are you eager to start a rewarding career in real estate but worried about your lack of experience? Don't be! We are looking for motivated individuals with a passion for helping others to join our team as Real Estate Agents. No prior experience is necessary-we'll provide you with all the training and support you need to succeed. In this role, you'll learn the ins and outs of the real estate industry, from understanding market trends to mastering negotiation techniques, all while working alongside seasoned professionals who are invested in your success. You'll be given the tools and resources to build a thriving career, with opportunities to grow and advance as you gain experience. Whether you're showing properties, networking with clients, or closing deals, you'll be part of a supportive environment that fosters learning and development. If you're a go-getter with a desire to build a successful career in real estate, this is your chance to make it happen. Join us and take the first step toward a bright future in the real estate industry! RESPONSIBILITIES: Guide clients through the buying and selling process with personalized service. Negotiate offers between buyers and sellers to secure favorable terms. Build and maintain a network of clients and industry contacts. Provide ongoing client support and follow-up to build lasting relationships. Utilize real estate software and CRM tools to manage leads and transactions. Conduct market research to identify competitive pricing and local market trends. COMPENSATION: Full Commission ($50000 - $100000 yearly) Real Estate Professionals earn money for each transaction they complete. As you make more transactions, you earn more income. After a few years of disciplined work, it's not unusual for a Real Estate Agent to be earning $50000 - $100000 yearly or more. The more work you put into establishing a client base, the more money you will earn. ABOUT: Cressy & Everett Real Estate, founded in 1946, is a member of Leading Real Estate Companies of the World, an international network of independent real estate companies. We have over 150 sales associates and are a regional, full-service firm specializing in residential brokerage and home warranties through our nine offices in five Indiana and Southwestern Michigan counties. Cressy & Everett Real Estate has the most reputable and knowledgeable sales professionals in Northern Indiana and Southwestern Michigan - more than any company in the area. We take the training and development of our agents seriously. To stay competitive in today's market, you need more tools and services than your competition. As a member of the Cressy & Everett brand, you'll benefit from our local support and systems to grow your business.

DESCRIPTION: Are you passionate about helping others find their dream homes? Do you have a keen eye for market trends and a talent for negotiation? Join our dynamic real estate team where your drive and expertise will help clients navigate the exciting world of property buying and selling. As a Real Estate Agent with us, you'll guide clients through every step of the process, from discovering their perfect property to closing the deal. Your role will be to listen to their needs, offer expert advice, and ensure their journey is smooth and rewarding. You'll work with a diverse range of clients, from first-time homebuyers to seasoned investors, ensuring they make informed decisions in a fast-paced market. With access to cutting-edge tools, comprehensive training, and a supportive team environment, you'll have everything you need to excel. Whether you're conducting property showings, negotiating contracts, or building lasting relationships, your efforts will have a direct impact on your clients' lives and your own success. If you're ready to elevate your career and make a real difference, we want to hear from you! RESPONSIBILITIES: Guide clients through the buying and selling process with personalized service. Conduct market research to identify competitive pricing and local market trends. Schedule and conduct property showings, open houses, and tours. Negotiate offers between buyers and sellers to secure favorable terms. Prepare and present detailed property listings with photos and pricing. Collaborate with mortgage brokers, inspectors, and other professionals. COMPENSATION: Full Commission ($50000 - $100000 yearly) Real Estate Professionals earn money for each transaction they complete. As you make more transactions, you earn more income. After a few years of disciplined work, it's not unusual for a Real Estate Agent to be earning $50000 - $100000 yearly or more. The more work you put into establishing a client base, the more money you will earn. ABOUT: Cressy & Everett Real Estate, founded in 1946, is a member of Leading Real Estate Companies of the World, an international network of independent real estate companies. We have over 150 sales associates and are a regional, full-service firm specializing in residential brokerage and home warranties through our nine offices in five Indiana and Southwestern Michigan counties. Cressy & Everett Real Estate has the most reputable and knowledgeable sales professionals in Northern Indiana and Southwestern Michigan - more than any company in the area. We take the training and development of our agents seriously. To stay competitive in today's market, you need more tools and services than your competition. As a member of the Cressy & Everett brand, you'll benefit from our local support and systems to grow your business.

DESCRIPTION: Are you eager to start a rewarding career in real estate but worried about your lack of experience? Don't be! We are looking for motivated individuals with a passion for helping others to join our team as Real Estate Agents. No prior experience is necessary-we'll provide you with all the training and support you need to succeed. In this role, you'll learn the ins and outs of the real estate industry, from understanding market trends to mastering negotiation techniques, all while working alongside seasoned professionals who are invested in your success. You'll be given the tools and resources to build a thriving career, with opportunities to grow and advance as you gain experience. Whether you're showing properties, networking with clients, or closing deals, you'll be part of a supportive environment that fosters learning and development. If you're a go-getter with a desire to build a successful career in real estate, this is your chance to make it happen. Join us and take the first step toward a bright future in the real estate industry! RESPONSIBILITIES: Guide clients through the buying and selling process with personalized service. Negotiate offers between buyers and sellers to secure favorable terms. Build and maintain a network of clients and industry contacts. Provide ongoing client support and follow-up to build lasting relationships. Utilize real estate software and CRM tools to manage leads and transactions. Conduct market research to identify competitive pricing and local market trends. COMPENSATION: Full Commission ($50000 - $100000 yearly) Real Estate Professionals earn money for each transaction they complete. As you make more transactions, you earn more income. After a few years of disciplined work, it's not unusual for a Real Estate Agent to be earning $50000 - $100000 yearly or more. The more work you put into establishing a client base, the more money you will earn. ABOUT: Cressy & Everett Real Estate, founded in 1946, is a member of Leading Real Estate Companies of the World, an international network of independent real estate companies. We have over 150 sales associates and are a regional, full-service firm specializing in residential brokerage and home warranties through our nine offices in five Indiana and Southwestern Michigan counties. Cressy & Everett Real Estate has the most reputable and knowledgeable sales professionals in Northern Indiana and Southwestern Michigan - more than any company in the area. We take the training and development of our agents seriously. To stay competitive in today's market, you need more tools and services than your competition. As a member of the Cressy & Everett brand, you'll benefit from our local support and systems to grow your business.

We are seeking a motivated and licensed Real Estate Agent with a primary focus on leasing rental properties, while also supporting residential sales transactions. This role is ideal for agents who enjoy working with landlords and tenants and earning commission through leasing activity, with additional income opportunities through sales. This position is primarily remote, with occasional travel to Burnsville for meetings, key/lockbox pickup or drop off and other related needs.

Mortgage Loan Originator Department: Mortgage Services Reports To: Assistant Vice President Mortgage Services FLSA: Exempt Date last updated: 04/01/2024 Summary Responsible for the timely, courteous, and confidential processing, closing, underwriting, and shipping of all types of mortgage loans for members by performing the following duties: Essential Duties and Responsibilities include the following. Other duties may be assigned. Interviews mortgage loan applicants and analyzes the information received to recommend the correct product for the applicant. Submit the mortgage loan application to an automated underwriting system for approval. Document the loan file with accurate information and comply with all underwriting requirements as stated on the automated underwriting decision sheet. Prepares directions for the Loan processor pertaining to the information that will be required to perfect the mortgage loan sale to the secondary market. Communicates to the applicant, real estate agent, etc. the status of the mortgage application. Develops and promotes good public relations within the Real Estate community and with the member base of the Sioux Falls Federal Credit Union, etc. Reviews the completed file to assure that all mortgage processing functions are completed before and after closing for proper documentation and salability of the loan to the secondary market. Perfects the loan documentation for purchases for any loans which are suspended. Keeps updated and current on all mortgage products, procedures, and policies. Makes recommendations of needs for review or changes of policies and procedures relating to the mortgage lending process to the AVP Mortgage Services. Is knowledgeable about all products available at the Credit Union and actively cross sells products to qualified members. Assists the Marketing Department in the promotion and development of mortgage related products. Assists in the collection of payments for all in-house mortgages which the loan officer originates. Supervisory Responsibilities This job has no supervisory responsibilities. Competencies To perform the job successfully, an individual should demonstrate the following competencies : Credibility - Provides reliable and accurate information, offers fully researched recommendations, instills customer confidence, supports organizational values and policies, takes responsibility for own actions and mistakes. Job Knowledge/Job Fit - Competent in required job skills and knowledge, exhibits ability to learn and apply new skills, keeps abreast of current developments, requires minimal supervision, Displays understanding of how job relates to others, Uses resources effectively. Conflict Resolution - Encourages open communications, confronts difficult situations, maintains objectivity, keeps emotions under control, uses negotiation skills to resolve conflicts. Community Relations - Participates within the community, takes leadership role in external activities, presents favorable image of organization, uses community involvement to increase business. Achievement Focus - Sets and achieves clear and challenging goals, demonstrates persistence, and overcomes obstacles, Measures self against standard of excellence, Recognizes and acts on opportunities, takes calculated risks to accomplish goals. Self-Management - Regulates impact of own emotions upon others, remains focused and resilient under stress, accepts criticism, and recovers quickly from setbacks, Projects realistic self-confidence in abilities. Loan Portfolio Maintenance - Identifies qualified prospects, assesses credit risks, presents credit alternatives, keeps current with rules and regulations, maintains portfolio mix and Achieves loan results. Sales and Service (INSPIRE SALES and SERVICE) - Displays courtesy and sensitivity, manages difficult/emotional member situations, meets commitments, focuses on & responds promptly to member needs, solicits member feedback to improve service, explains financial concepts clearly, explains product features & benefits, recommends products to members, and overcomes objections. Requirements Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education and/or Experience: Four-year degree in business or a related field or Two-Three years related mortgage lending experience and/or training or an equivalent combination of education and experience. Language Skills: Ability to read, analyze, and interpret financial data, general business information and periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from managers, members, and the general public. Mathematical Skills: Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages. Must have well-developed math and problem solving skills. Reasoning Ability: Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to research data and make accurate decisions. Computer Skills: To perform this job successfully, an individual should have knowledge of Internet, Spreadsheet, and Word Processing software. Should also have ability to type accurately and operate a 10-key adding machine and knowledge of automated underwriting software. Certificates, Licenses, Registrations Other Skills and Abilities: The employee should have a thorough understanding of all policies, regulations and procedures for regulatory and investor agencies as they pertain to the mortgage lending industry such as but not limited to knowledge pertaining to FHA, VA, Conventional and Rural Development guidelines and regulatory compliance. Other Qualifications: The employee must have a high level of professionalism, good judgement and impartiality. They must display a courteous and helpful attitude toward members and co-workers and demonstrate the ability to develop and maintain positive relationships. They must possess effective verbal and written communications skills and be able to work in a fast-paced, production-oriented environment. Physical Demands and Work Environment: While performing the duties of this Job, the employee is regularly required to sit and talk or hear. The employee is frequently required to use hands to finger, handle, or feel. The employee is occasionally required to stand; walk; reach with hands and arms and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision and ability to adjust focus. The noise level in the work environment is usually moderate. The physical demands and work environment described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Salary Description $45,000-$70,000 Dep. on Exp + Sales Bonuses

Mortgage Loan Originator Department: Mortgage Services Reports To: Assistant Vice President Mortgage Services FLSA: Exempt Date last updated: 04/01/2024 Summary Responsible for the timely, courteous, and confidential processing, closing, underwriting, and shipping of all types of mortgage loans for members by performing the following duties: Essential Duties and Responsibilities include the following. Other duties may be assigned. Interviews mortgage loan applicants and analyzes the information received to recommend the correct product for the applicant. Submit the mortgage loan application to an automated underwriting system for approval. Document the loan file with accurate information and comply with all underwriting requirements as stated on the automated underwriting decision sheet. Prepares directions for the Loan processor pertaining to the information that will be required to perfect the mortgage loan sale to the secondary market. Communicates to the applicant, real estate agent, etc. the status of the mortgage application. Develops and promotes good public relations within the Real Estate community and with the member base of the Sioux Falls Federal Credit Union, etc. Reviews the completed file to assure that all mortgage processing functions are completed before and after closing for proper documentation and salability of the loan to the secondary market. Perfects the loan documentation for purchases for any loans which are suspended. Keeps updated and current on all mortgage products, procedures, and policies. Makes recommendations of needs for review or changes of policies and procedures relating to the mortgage lending process to the AVP Mortgage Services. Is knowledgeable about all products available at the Credit Union and actively cross sells products to qualified members. Assists the Marketing Department in the promotion and development of mortgage related products. Assists in the collection of payments for all in-house mortgages which the loan officer originates. Supervisory Responsibilities This job has no supervisory responsibilities. Competencies To perform the job successfully, an individual should demonstrate the following competencies : Credibility - Provides reliable and accurate information, offers fully researched recommendations, instills customer confidence, supports organizational values and policies, takes responsibility for own actions and mistakes. Job Knowledge/Job Fit - Competent in required job skills and knowledge, exhibits ability to learn and apply new skills, keeps abreast of current developments, requires minimal supervision, Displays understanding of how job relates to others, Uses resources effectively. Conflict Resolution - Encourages open communications, confronts difficult situations, maintains objectivity, keeps emotions under control, uses negotiation skills to resolve conflicts. Community Relations - Participates within the community, takes leadership role in external activities, presents favorable image of organization, uses community involvement to increase business. Achievement Focus - Sets and achieves clear and challenging goals, demonstrates persistence, and overcomes obstacles, Measures self against standard of excellence, Recognizes and acts on opportunities, takes calculated risks to accomplish goals. Self-Management - Regulates impact of own emotions upon others, remains focused and resilient under stress, accepts criticism, and recovers quickly from setbacks, Projects realistic self-confidence in abilities. Loan Portfolio Maintenance - Identifies qualified prospects, assesses credit risks, presents credit alternatives, keeps current with rules and regulations, maintains portfolio mix and Achieves loan results. Sales and Service (INSPIRE SALES and SERVICE) - Displays courtesy and sensitivity, manages difficult/emotional member situations, meets commitments, focuses on & responds promptly to member needs, solicits member feedback to improve service, explains financial concepts clearly, explains product features & benefits, recommends products to members, and overcomes objections. Requirements Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education and/or Experience: Four-year degree in business or a related field or Two-Three years related mortgage lending experience and/or training or an equivalent combination of education and experience. Language Skills: Ability to read, analyze, and interpret financial data, general business information and periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from managers, members, and the general public. Mathematical Skills: Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages. Must have well-developed math and problem solving skills. Reasoning Ability: Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to research data and make accurate decisions. Computer Skills: To perform this job successfully, an individual should have knowledge of Internet, Spreadsheet, and Word Processing software. Should also have ability to type accurately and operate a 10-key adding machine and knowledge of automated underwriting software. Certificates, Licenses, Registrations Other Skills and Abilities: The employee should have a thorough understanding of all policies, regulations and procedures for regulatory and investor agencies as they pertain to the mortgage lending industry such as but not limited to knowledge pertaining to FHA, VA, Conventional and Rural Development guidelines and regulatory compliance. Other Qualifications: The employee must have a high level of professionalism, good judgement and impartiality. They must display a courteous and helpful attitude toward members and co-workers and demonstrate the ability to develop and maintain positive relationships. They must possess effective verbal and written communications skills and be able to work in a fast-paced, production-oriented environment. Physical Demands and Work Environment: While performing the duties of this Job, the employee is regularly required to sit and talk or hear. The employee is frequently required to use hands to finger, handle, or feel. The employee is occasionally required to stand; walk; reach with hands and arms and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision and ability to adjust focus. The noise level in the work environment is usually moderate. The physical demands and work environment described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Salary Description $45,000-$70,000 Dep. on Exp + Sales Bonuses

Mortgage Loan Originator Department: Mortgage Services Reports To: Assistant Vice President Mortgage Services FLSA: Exempt Date last updated: 04/01/2024 Summary Responsible for the timely, courteous, and confidential processing, closing, underwriting, and shipping of all types of mortgage loans for members by performing the following duties: Essential Duties and Responsibilities include the following. Other duties may be assigned. Interviews mortgage loan applicants and analyzes the information received to recommend the correct product for the applicant. Submit the mortgage loan application to an automated underwriting system for approval. Document the loan file with accurate information and comply with all underwriting requirements as stated on the automated underwriting decision sheet. Prepares directions for the Loan processor pertaining to the information that will be required to perfect the mortgage loan sale to the secondary market. Communicates to the applicant, real estate agent, etc. the status of the mortgage application. Develops and promotes good public relations within the Real Estate community and with the member base of the Sioux Falls Federal Credit Union, etc. Reviews the completed file to assure that all mortgage processing functions are completed before and after closing for proper documentation and salability of the loan to the secondary market. Perfects the loan documentation for purchases for any loans which are suspended. Keeps updated and current on all mortgage products, procedures, and policies. Makes recommendations of needs for review or changes of policies and procedures relating to the mortgage lending process to the AVP Mortgage Services. Is knowledgeable about all products available at the Credit Union and actively cross sells products to qualified members. Assists the Marketing Department in the promotion and development of mortgage related products. Assists in the collection of payments for all in-house mortgages which the loan officer originates. Supervisory Responsibilities This job has no supervisory responsibilities. Competencies To perform the job successfully, an individual should demonstrate the following competencies : Credibility - Provides reliable and accurate information, offers fully researched recommendations, instills customer confidence, supports organizational values and policies, takes responsibility for own actions and mistakes. Job Knowledge/Job Fit - Competent in required job skills and knowledge, exhibits ability to learn and apply new skills, keeps abreast of current developments, requires minimal supervision, Displays understanding of how job relates to others, Uses resources effectively. Conflict Resolution - Encourages open communications, confronts difficult situations, maintains objectivity, keeps emotions under control, uses negotiation skills to resolve conflicts. Community Relations - Participates within the community, takes leadership role in external activities, presents favorable image of organization, uses community involvement to increase business. Achievement Focus - Sets and achieves clear and challenging goals, demonstrates persistence, and overcomes obstacles, Measures self against standard of excellence, Recognizes and acts on opportunities, takes calculated risks to accomplish goals. Self-Management - Regulates impact of own emotions upon others, remains focused and resilient under stress, accepts criticism, and recovers quickly from setbacks, Projects realistic self-confidence in abilities. Loan Portfolio Maintenance - Identifies qualified prospects, assesses credit risks, presents credit alternatives, keeps current with rules and regulations, maintains portfolio mix and Achieves loan results. Sales and Service (INSPIRE SALES and SERVICE) - Displays courtesy and sensitivity, manages difficult/emotional member situations, meets commitments, focuses on & responds promptly to member needs, solicits member feedback to improve service, explains financial concepts clearly, explains product features & benefits, recommends products to members, and overcomes objections. Requirements Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education and/or Experience: Four-year degree in business or a related field or Two-Three years related mortgage lending experience and/or training or an equivalent combination of education and experience. Language Skills: Ability to read, analyze, and interpret financial data, general business information and periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from managers, members, and the general public. Mathematical Skills: Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages. Must have well-developed math and problem solving skills. Reasoning Ability: Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to research data and make accurate decisions. Computer Skills: To perform this job successfully, an individual should have knowledge of Internet, Spreadsheet, and Word Processing software. Should also have ability to type accurately and operate a 10-key adding machine and knowledge of automated underwriting software. Certificates, Licenses, Registrations Other Skills and Abilities: The employee should have a thorough understanding of all policies, regulations and procedures for regulatory and investor agencies as they pertain to the mortgage lending industry such as but not limited to knowledge pertaining to FHA, VA, Conventional and Rural Development guidelines and regulatory compliance. Other Qualifications: The employee must have a high level of professionalism, good judgement and impartiality. They must display a courteous and helpful attitude toward members and co-workers and demonstrate the ability to develop and maintain positive relationships. They must possess effective verbal and written communications skills and be able to work in a fast-paced, production-oriented environment. Physical Demands and Work Environment: While performing the duties of this Job, the employee is regularly required to sit and talk or hear. The employee is frequently required to use hands to finger, handle, or feel. The employee is occasionally required to stand; walk; reach with hands and arms and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision and ability to adjust focus. The noise level in the work environment is usually moderate. The physical demands and work environment described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Salary Description $45,000-$70,000 Dep. on Exp + Sales Bonuses

The Mortgage Loan Originator originates first mortgage loans and home improvement loans for consumers. Duties and Responsibilities: 1. Originates one-to-four family residential loans by talking with customers and by contacting realtors, builders, etc.; engages in sales efforts at the customer's home or place of business and away from the bank's place of business or any office maintained for loan production business purposes. 2. Responds to customer/contact inquiries regarding the association's loan products and customer's applications. 3. Keeps up-to-date on government regulations and the association's policies and procedures regarding lending; participates in quarterly compliance training on banking regulations for industry. 4. Promotes the association's Community Reinvestment Act loan program to real estate agents in low-to-moderate income neighborhoods. 5. Projects a positive image of the association and make sales contacts by participating in community activities, organizations, and business-related functions. 6. Cross-sells and keeps up-to-date on the association's entire product line including both lending and savings products. 7. Knows, understands and complies with current fair lending laws and bank policies and procedures; addresses same at all times. 8. Manages service providers and vendors effectively; structures relationships with service providers in a strategic manner; sets expectations; develops performance metrics; measures vendor performance, provides feedback and holds accountable. 9. Other duties as required. Technical Expertise 1. Experience in mortgage lending is required. 2. Experience with lending laws, regulations, and guidelines are required. 3. Experience in customer service is required. 4. Experience in commissioned sales is required. 5. Experience in financial services or banking is preferred. 6. Proficiency in MS Office Outlook, Excel, Word or similar software is required. Encompass, Cleartouch, OnBase, various government and investor software/web portals is preferred. CRM software is preferred. Education and Experience 1. Education: High School Diploma or equivalent is required; Bachelor's degree is preferred. 2. Certification: NMLS is required. 3. Years of experience: 3 to 5 years is required. Physical Environment While performing the duties of this job, the employee is regularly required to lift, walk, stand, sit, bend, reach with hands and arms, climb, push/pull, use hands, and see, hear and speak. The employee must occasionally lift and/or move up to 25 pounds. The noise level in the work environment is usually quiet to moderate. This position is customarily and regularly performed outside of an office setting and hours of work are not structured. We are an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law. PI332ae5-

Civista Bank Description: Position Purpose: The Senior Mortgage Lender originates first mortgage loans, promotes the Bank and its lending services to the real estate community referral partners, and helps to identify and serve the community's financial needs. Demonstrates Civista Bank's mission to improve the financial lives of our employees and shareholders to make a difference in the communities that we serve. Key Accountabilities, Responsibilities, and Expectations: Travel to solicit first mortgage and home equity loans through referral partners such as realtor, builders, financial planner, insurance agents and attorneys, as well as through community activities and organizations. Meet with customers and prospective customers at various locations. Complete each loan application and all pre-processing functions to include but not limited to obtaining all necessary documentation from prospective clients as determined by bank policy and underwriting guidelines. Inform prospective clients of the bank's underwriting guidelines and applicable government regulations. Screen loan requests based on bank policies and on types of loans offered by the institution. Propose and review various loan options with prospective clients. Research new legislation and regulations that may affect the Bank's residential lending policies. Ensures compliance with new rules by advising senior management and implementing appropriate changes. Answer incoming phone calls and schedule appointments. Communicate complex approvals or denials to the borrower, real estate agent or builder. Distributes market data, rate flyers and general loan information to the real estate community as directed by bank management. Promotes and participates in the bank's special credit programs and other CRA programs. Actively participates in local business and community activities and maintains close contact with local builders, real estate brokers and agents, customers, and prospects. All other duties as assigned and any activities that support the key accountabilities. Requirements: Qualifications, Knowledge and Skills: Five + years Mortgage Lending experience in a financial institution or loan office setting. Bachelor's Degree in Business or Finance or three years equivalent work experience. Above average knowledge of banking industry practices, policies, regulations, and laws as it pertains to the mortgage lending area. Solid working knowledge of bank compliance requirements, as well as knowledge and adherence to Fair Lending laws and regulations. Solid computer literacy (Word, Excel) with accurate data entry skills; proficient knowledge of working with spreadsheet and creating formulas. Ability to become proficient in use of specific software required for position. A high level of initiative, thoroughness, accuracy and organizational skills required. Detail oriented with strong analytical skills. High level of confidentiality required. Solid oral and written communication skills. Ability to manage multiple priorities/projects with varied deadlines. Job Requirements: This position requires the Senior Mortgage Lender to be customarily and regularly engaged away from Civista Bank in order to obtain sales. Work involves eye strain due to the frequent use of computer screens, reading of reports, completing documents, and so forth. Work involves being able to concentrate on the matter at hand, under sometimes distracting work conditions. Work involves lifting and moving loan files of up to 15 lbs. Work involves some travel to attend meetings, trainings, real estate office visits, and so forth. EOE - Race/Sex/Disability/Veteran This Position Description is not a complete statement of all duties and responsibilities comprising this position.Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this position at any time. PIcdc5866bcee3-6551

Civista Bank Description: Position Purpose: The Senior Mortgage Lender originates first mortgage loans, promotes the Bank and its lending services to the real estate community referral partners, and helps to identify and serve the community's financial needs. Demonstrates Civista Bank's mission to improve the financial lives of our employees and shareholders to make a difference in the communities that we serve. Key Accountabilities, Responsibilities, and Expectations: Travel to solicit first mortgage and home equity loans through referral partners such as realtor, builders, financial planner, insurance agents and attorneys, as well as through community activities and organizations. Meet with customers and prospective customers at various locations. Complete each loan application and all pre-processing functions to include but not limited to obtaining all necessary documentation from prospective clients as determined by bank policy and underwriting guidelines. Inform prospective clients of the bank's underwriting guidelines and applicable government regulations. Screen loan requests based on bank policies and on types of loans offered by the institution. Propose and review various loan options with prospective clients. Research new legislation and regulations that may affect the Bank's residential lending policies. Ensures compliance with new rules by advising senior management and implementing appropriate changes. Answer incoming phone calls and schedule appointments. Communicate complex approvals or denials to the borrower, real estate agent or builder. Distributes market data, rate flyers and general loan information to the real estate community as directed by bank management. Promotes and participates in the bank's special credit programs and other CRA programs. Actively participates in local business and community activities and maintains close contact with local builders, real estate brokers and agents, customers, and prospects. All other duties as assigned and any activities that support the key accountabilities. Requirements: Qualifications, Knowledge and Skills: Five + years Mortgage Lending experience in a financial institution or loan office setting. Bachelor's Degree in Business or Finance or three years equivalent work experience. Above average knowledge of banking industry practices, policies, regulations, and laws as it pertains to the mortgage lending area. Solid working knowledge of bank compliance requirements, as well as knowledge and adherence to Fair Lending laws and regulations. Solid computer literacy (Word, Excel) with accurate data entry skills; proficient knowledge of working with spreadsheet and creating formulas. Ability to become proficient in use of specific software required for position. A high level of initiative, thoroughness, accuracy and organizational skills required. Detail oriented with strong analytical skills. High level of confidentiality required. Solid oral and written communication skills. Ability to manage multiple priorities/projects with varied deadlines. Job Requirements: This position requires the Senior Mortgage Lender to be customarily and regularly engaged away from Civista Bank in order to obtain sales. Work involves eye strain due to the frequent use of computer screens, reading of reports, completing documents, and so forth. Work involves being able to concentrate on the matter at hand, under sometimes distracting work conditions. Work involves lifting and moving loan files of up to 15 lbs. Work involves some travel to attend meetings, trainings, real estate office visits, and so forth. EEO - Race/Sex/Disability/Veteran This Position Description is not a complete statement of all duties and responsibilities comprising this position.Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this position at any time. PIbd6e7c410eec-4564

Join Journey Settlements as our Business Development Manager , and help us grow one of Virginia's most respected title and settlement companies. We're known for our top-tier service, smart technology, and strong partnerships with the region's best real estate professionals - and now we're looking for a people-person who can help us expand that network. You'll spend your days meeting agents for coffee, visiting offices, attending local events, and showing new partners why Journey is the easiest team to trust with their closings. You'll collaborate closely with our leadership and operations teams to ensure every new relationship turns into a seamless customer experience. You'll thrive here if you're proactive, genuine, and motivated by connecting with people. At Journey Settlements, we combine professional excellence with a modern, team-first culture. If you're ready to represent a company that agents genuinely enjoy working with and build lasting partnerships across Virginia's real estate community, we'd love to meet you. Compensation: $100,000 On-Target Earnings ($50,000 Base + Commissions) Compensation: $100,000 On-Target Earnings ($50,000 Base + Commissions) Responsibilities: Drive business growth by identifying and pursuing new opportunities within the Richmond real estate market. Cultivate and maintain strong relationships with real estate agents, ensuring they have the support needed to succeed. Schedule coffee meetings, office pop-bys, and events to share Journey's value proposition. Partner with our operations team to ensure seamless onboarding of new referring agents. Analyze market trends and data to inform decision-making and identify areas for improvement. Lead presentations and negotiations with potential clients, showcasing our innovative approach and solutions. Qualifications: Experience in business development within the real estate industry, with a focus on the Richmond market. Proven track record of building and maintaining strong relationships with real estate agents and industry professionals. Ability to analyze market trends and data to drive strategic decision-making and identify growth opportunities. Strong presentation and negotiation skills, with the ability to effectively communicate our innovative solutions to potential clients. Ability to work independently and proactively in a fast-paced, tech-driven environment. Excellent communication and interpersonal skills, fostering a supportive and inclusive team culture. About Company Founded by real estate agents, Journey Settlements is a title, escrow, and settlement agency in central Virginia. Our company culture focuses on modern technology, customer service, and forward-thinking in order to provide a higher quality settlement experience. Journey maintains a corporate headquarters in the Fan neighborhood of Richmond, with a satellite office in Charlottesville. Journey is offering a comprehensive benefits package for this role, including an annual salary based on industry experience, a 401(k) retirement plan, medical and dental insurance, 2 weeks of paid time off, paid holidays, paid industry conferences, paid industry certifications, and more. Compensation details: 0 Yearly Salary PI32d3765eae29-7420

We are seeking a dedicated and professional team member to supportour leadership in a key client-facing role. This position involves direct interaction with buyers, sellers, and vendors, and plays an essential part in delivering an exceptional client experience. Core responsibilities fall into the following areas: Showing Support Provide coverage for home showings, guide buyers through properties, prepare and present offers, and negotiate terms when needed. Listing Coordination Manage listings from the moment the contract is signed through closing. This includes coordinating marketing, overseeing open houses, scheduling appointments, requesting and tracking feedback, managing negotiations, and ensuring a smooth contract-to-close process. Buyer Contract Coordination Oversee accepted buyer contracts from offer acceptance to closing. Responsibilities include meeting appraisers, coordinating and attending inspections, obtaining bids for repairs, communicating with lenders, and maintaining consistent client communication. Database and Lead Managemen t Nurture our past clients and sphere of influence to encourage referrals and repeat business. Call leads, build rapport, and set quality appointments for the team. Compensation: $45,000 - $60,000 yearly Responsibilities: The ideal team member delivers exceptional client service through strong communication, professional phone etiquette, and organized follow-through. They should be an attentive listener with excellent time management, verbal communication skills, and a polished presentation style. The right candidate is self-motivated, competitive, collaborative, and demonstrates sound problem-solving abilities and high integrity. Job Duties Show properties to qualified buyers, often transporting them in your own vehicle to multiple locations. Arrive early for all appointments and ensure houses are open, lights on, and ready before clients arrive. Follow up on all prospects and hand off strong opportunities to brokers with clear notes, action items, and timelines. Maintain accurate and complete notes within the teams online dashboards, including logging conversations and sending emails through the system. Identify decision-makers within lead sources to initiate the sales process. Collaborate with Principal Brokers on strategic approaches to sales and client communication. Track mileage and submit required reports. Handle objections professionally and effectively. Maintain and expand databases by adding new contacts and updating existing client information. Attend relevant sales training sessions. Participate in all team meetings and weekly office trainings. Additional Responsibilities Include Preparing CMAs, setting appointments, writing offers, door knocking, circle calling, hosting open houses, attending inspections, meeting appraisers, installing and removing lockboxes, and coordinating bids with contractors. Qualifications: A valid Real Estate License is required for this job Real estate experience preferred but not required 2+ years experience as a personal assistant, office manager, or related position Accustomed to navigating computer software such as Microsoft Office and MLS High school diploma or G.E.D. required Strong interpersonal skills and time management skills About Company We are a boutique real estate team brokerage. We strive for an environment where our agents want to come into the office. We are all in production.Our team is actively involved in production, and we primarily serve clients through referrals. We are in the top 1% of Realtors nationwide. Join us! Compensation details: 0 Yearly Salary PIdf50b923584d-3263

Mortgage Loan Originator Department: Mortgage Services Reports To: Assistant Vice President Mortgage Services FLSA: Exempt Date last updated: 04/01/2024 Summary Responsible for the timely, courteous, and confidential processing, closing, underwriting, and shipping of all types of mortgage loans for members by performing the following duties: Essential Duties and Responsibilities include the following. Other duties may be assigned. Interviews mortgage loan applicants and analyzes the information received to recommend the correct product for the applicant. Submit the mortgage loan application to an automated underwriting system for approval. Document the loan file with accurate information and comply with all underwriting requirements as stated on the automated underwriting decision sheet. Prepares directions for the Loan processor pertaining to the information that will be required to perfect the mortgage loan sale to the secondary market. Communicates to the applicant, real estate agent, etc. the status of the mortgage application. Develops and promotes good public relations within the Real Estate community and with the member base of the Sioux Falls Federal Credit Union, etc. Reviews the completed file to assure that all mortgage processing functions are completed before and after closing for proper documentation and salability of the loan to the secondary market. Perfects the loan documentation for purchases for any loans which are suspended. Keeps updated and current on all mortgage products, procedures, and policies. Makes recommendations of needs for review or changes of policies and procedures relating to the mortgage lending process to the AVP Mortgage Services. Is knowledgeable about all products available at the Credit Union and actively cross sells products to qualified members. Assists the Marketing Department in the promotion and development of mortgage related products. Assists in the collection of payments for all in-house mortgages which the loan officer originates. Supervisory Responsibilities This job has no supervisory responsibilities. Competencies To perform the job successfully, an individual should demonstrate the following competencies : Credibility - Provides reliable and accurate information, offers fully researched recommendations, instills customer confidence, supports organizational values and policies, takes responsibility for own actions and mistakes. Job Knowledge/Job Fit - Competent in required job skills and knowledge, exhibits ability to learn and apply new skills, keeps abreast of current developments, requires minimal supervision, Displays understanding of how job relates to others, Uses resources effectively. Conflict Resolution - Encourages open communications, confronts difficult situations, maintains objectivity, keeps emotions under control, uses negotiation skills to resolve conflicts. Community Relations - Participates within the community, takes leadership role in external activities, presents favorable image of organization, uses community involvement to increase business. Achievement Focus - Sets and achieves clear and challenging goals, demonstrates persistence, and overcomes obstacles, Measures self against standard of excellence, Recognizes and acts on opportunities, takes calculated risks to accomplish goals. Self-Management - Regulates impact of own emotions upon others, remains focused and resilient under stress, accepts criticism, and recovers quickly from setbacks, Projects realistic self-confidence in abilities. Loan Portfolio Maintenance - Identifies qualified prospects, assesses credit risks, presents credit alternatives, keeps current with rules and regulations, maintains portfolio mix and Achieves loan results. Sales and Service (INSPIRE SALES and SERVICE) - Displays courtesy and sensitivity, manages difficult/emotional member situations, meets commitments, focuses on & responds promptly to member needs, solicits member feedback to improve service, explains financial concepts clearly, explains product features & benefits, recommends products to members, and overcomes objections. Requirements Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education and/or Experience: Four-year degree in business or a related field or Two-Three years related mortgage lending experience and/or training or an equivalent combination of education and experience. Language Skills: Ability to read, analyze, and interpret financial data, general business information and periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from managers, members, and the general public. Mathematical Skills: Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages. Must have well-developed math and problem solving skills. Reasoning Ability: Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to research data and make accurate decisions. Computer Skills: To perform this job successfully, an individual should have knowledge of Internet, Spreadsheet, and Word Processing software. Should also have ability to type accurately and operate a 10-key adding machine and knowledge of automated underwriting software. Certificates, Licenses, Registrations Other Skills and Abilities: The employee should have a thorough understanding of all policies, regulations and procedures for regulatory and investor agencies as they pertain to the mortgage lending industry such as but not limited to knowledge pertaining to FHA, VA, Conventional and Rural Development guidelines and regulatory compliance. Other Qualifications: The employee must have a high level of professionalism, good judgement and impartiality. They must display a courteous and helpful attitude toward members and co-workers and demonstrate the ability to develop and maintain positive relationships. They must possess effective verbal and written communications skills and be able to work in a fast-paced, production-oriented environment. Physical Demands and Work Environment: While performing the duties of this Job, the employee is regularly required to sit and talk or hear. The employee is frequently required to use hands to finger, handle, or feel. The employee is occasionally required to stand; walk; reach with hands and arms and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision and ability to adjust focus. The noise level in the work environment is usually moderate. The physical demands and work environment described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Salary Description $45,000-$70,000 Dep. on Exp + Sales Bonuses

Mortgage Loan Originator Department: Mortgage Services Reports To: Assistant Vice President Mortgage Services FLSA: Exempt Date last updated: 04/01/2024 Summary Responsible for the timely, courteous, and confidential processing, closing, underwriting, and shipping of all types of mortgage loans for members by performing the following duties: Essential Duties and Responsibilities include the following. Other duties may be assigned. Interviews mortgage loan applicants and analyzes the information received to recommend the correct product for the applicant. Submit the mortgage loan application to an automated underwriting system for approval. Document the loan file with accurate information and comply with all underwriting requirements as stated on the automated underwriting decision sheet. Prepares directions for the Loan processor pertaining to the information that will be required to perfect the mortgage loan sale to the secondary market. Communicates to the applicant, real estate agent, etc. the status of the mortgage application. Develops and promotes good public relations within the Real Estate community and with the member base of the Sioux Falls Federal Credit Union, etc. Reviews the completed file to assure that all mortgage processing functions are completed before and after closing for proper documentation and salability of the loan to the secondary market. Perfects the loan documentation for purchases for any loans which are suspended. Keeps updated and current on all mortgage products, procedures, and policies. Makes recommendations of needs for review or changes of policies and procedures relating to the mortgage lending process to the AVP Mortgage Services. Is knowledgeable about all products available at the Credit Union and actively cross sells products to qualified members. Assists the Marketing Department in the promotion and development of mortgage related products. Assists in the collection of payments for all in-house mortgages which the loan officer originates. Supervisory Responsibilities This job has no supervisory responsibilities. Competencies To perform the job successfully, an individual should demonstrate the following competencies : Credibility - Provides reliable and accurate information, offers fully researched recommendations, instills customer confidence, supports organizational values and policies, takes responsibility for own actions and mistakes. Job Knowledge/Job Fit - Competent in required job skills and knowledge, exhibits ability to learn and apply new skills, keeps abreast of current developments, requires minimal supervision, Displays understanding of how job relates to others, Uses resources effectively. Conflict Resolution - Encourages open communications, confronts difficult situations, maintains objectivity, keeps emotions under control, uses negotiation skills to resolve conflicts. Community Relations - Participates within the community, takes leadership role in external activities, presents favorable image of organization, uses community involvement to increase business. Achievement Focus - Sets and achieves clear and challenging goals, demonstrates persistence, and overcomes obstacles, Measures self against standard of excellence, Recognizes and acts on opportunities, takes calculated risks to accomplish goals. Self-Management - Regulates impact of own emotions upon others, remains focused and resilient under stress, accepts criticism, and recovers quickly from setbacks, Projects realistic self-confidence in abilities. Loan Portfolio Maintenance - Identifies qualified prospects, assesses credit risks, presents credit alternatives, keeps current with rules and regulations, maintains portfolio mix and Achieves loan results. Sales and Service (INSPIRE SALES and SERVICE) - Displays courtesy and sensitivity, manages difficult/emotional member situations, meets commitments, focuses on & responds promptly to member needs, solicits member feedback to improve service, explains financial concepts clearly, explains product features & benefits, recommends products to members, and overcomes objections. Requirements Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education and/or Experience: Four-year degree in business or a related field or Two-Three years related mortgage lending experience and/or training or an equivalent combination of education and experience. Language Skills: Ability to read, analyze, and interpret financial data, general business information and periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from managers, members, and the general public. Mathematical Skills: Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages. Must have well-developed math and problem solving skills. Reasoning Ability: Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to research data and make accurate decisions. Computer Skills: To perform this job successfully, an individual should have knowledge of Internet, Spreadsheet, and Word Processing software. Should also have ability to type accurately and operate a 10-key adding machine and knowledge of automated underwriting software. Certificates, Licenses, Registrations Other Skills and Abilities: The employee should have a thorough understanding of all policies, regulations and procedures for regulatory and investor agencies as they pertain to the mortgage lending industry such as but not limited to knowledge pertaining to FHA, VA, Conventional and Rural Development guidelines and regulatory compliance. Other Qualifications: The employee must have a high level of professionalism, good judgement and impartiality. They must display a courteous and helpful attitude toward members and co-workers and demonstrate the ability to develop and maintain positive relationships. They must possess effective verbal and written communications skills and be able to work in a fast-paced, production-oriented environment. Physical Demands and Work Environment: While performing the duties of this Job, the employee is regularly required to sit and talk or hear. The employee is frequently required to use hands to finger, handle, or feel. The employee is occasionally required to stand; walk; reach with hands and arms and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision and ability to adjust focus. The noise level in the work environment is usually moderate. The physical demands and work environment described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Salary Description $45,000-$70,000 Dep. on Exp + Sales Bonuses

Licensed Insurance Customer Service Location: FOLSOM, CA, 95630 Salary: $48000.0 - $72000.0/year Experience: 1 Year(s) Our office is expanding, and we are looking to hire the right individual to join our outstanding team. We are currently seeking to fulfill a full-time position. Our Insurance Representative will be responsible for providing exceptional customer service to our current clients and new prospects, processing policy change requests, maintain knowledge of our products, and answer any questions our clients may have. Preferred candidate will have an active Property and Casualty insurance license. Insurance industry experience and knowledge is not required but would be a greater benefit relating to customers in the beginning for this position. Responsibilities: Meet new business production goals and objectives as established. Solicits for new business via telephone, networking, and other lead sources. Develop insurance quotes, makes sales presentations, and closes sales. Develop ongoing networking relationships with Real Estate Agents, Mortgage Lenders, Title Companies, Auto Dealers, etc. Treat each customer contact as a cross and up-sell opportunity including financial products. Prospects for new business by following sales leads generated from referrals, networking, marketing, cold-calling, and lead databases. Educate clients on the insurance policies that best suit their needs Requirements: Strong work ethic and leadership skills. Driven and goal-oriented individual. Ability to tactfully handle stressful and difficult situations. Interested in a sales career, sales experience preferred No insurance experience required but must be willing to learn Benefits: Base Salary with Commissions Bonus Opportunities Weekends Off Holidays Off Hands On Training Professional Work Environment PIae6a666f9e10-6465

Mortgage Loan Originator Department: Mortgage Services Reports To: Assistant Vice President Mortgage Services FLSA: Exempt Date last updated: 04/01/2024 Summary Responsible for the timely, courteous, and confidential processing, closing, underwriting, and shipping of all types of mortgage loans for members by performing the following duties: Essential Duties and Responsibilities include the following. Other duties may be assigned. Interviews mortgage loan applicants and analyzes the information received to recommend the correct product for the applicant. Submit the mortgage loan application to an automated underwriting system for approval. Document the loan file with accurate information and comply with all underwriting requirements as stated on the automated underwriting decision sheet. Prepares directions for the Loan processor pertaining to the information that will be required to perfect the mortgage loan sale to the secondary market. Communicates to the applicant, real estate agent, etc. the status of the mortgage application. Develops and promotes good public relations within the Real Estate community and with the member base of the Sioux Falls Federal Credit Union, etc. Reviews the completed file to assure that all mortgage processing functions are completed before and after closing for proper documentation and salability of the loan to the secondary market. Perfects the loan documentation for purchases for any loans which are suspended. Keeps updated and current on all mortgage products, procedures, and policies. Makes recommendations of needs for review or changes of policies and procedures relating to the mortgage lending process to the AVP Mortgage Services. Is knowledgeable about all products available at the Credit Union and actively cross sells products to qualified members. Assists the Marketing Department in the promotion and development of mortgage related products. Assists in the collection of payments for all in-house mortgages which the loan officer originates. Supervisory Responsibilities This job has no supervisory responsibilities. Competencies To perform the job successfully, an individual should demonstrate the following competencies : Credibility - Provides reliable and accurate information, offers fully researched recommendations, instills customer confidence, supports organizational values and policies, takes responsibility for own actions and mistakes. Job Knowledge/Job Fit - Competent in required job skills and knowledge, exhibits ability to learn and apply new skills, keeps abreast of current developments, requires minimal supervision, Displays understanding of how job relates to others, Uses resources effectively. Conflict Resolution - Encourages open communications, confronts difficult situations, maintains objectivity, keeps emotions under control, uses negotiation skills to resolve conflicts. Community Relations - Participates within the community, takes leadership role in external activities, presents favorable image of organization, uses community involvement to increase business. Achievement Focus - Sets and achieves clear and challenging goals, demonstrates persistence, and overcomes obstacles, Measures self against standard of excellence, Recognizes and acts on opportunities, takes calculated risks to accomplish goals. Self-Management - Regulates impact of own emotions upon others, remains focused and resilient under stress, accepts criticism, and recovers quickly from setbacks, Projects realistic self-confidence in abilities. Loan Portfolio Maintenance - Identifies qualified prospects, assesses credit risks, presents credit alternatives, keeps current with rules and regulations, maintains portfolio mix and Achieves loan results. Sales and Service (INSPIRE SALES and SERVICE) - Displays courtesy and sensitivity, manages difficult/emotional member situations, meets commitments, focuses on & responds promptly to member needs, solicits member feedback to improve service, explains financial concepts clearly, explains product features & benefits, recommends products to members, and overcomes objections. Requirements Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education and/or Experience: Four-year degree in business or a related field or Two-Three years related mortgage lending experience and/or training or an equivalent combination of education and experience. Language Skills: Ability to read, analyze, and interpret financial data, general business information and periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from managers, members, and the general public. Mathematical Skills: Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages. Must have well-developed math and problem solving skills. Reasoning Ability: Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to research data and make accurate decisions. Computer Skills: To perform this job successfully, an individual should have knowledge of Internet, Spreadsheet, and Word Processing software. Should also have ability to type accurately and operate a 10-key adding machine and knowledge of automated underwriting software. Certificates, Licenses, Registrations Other Skills and Abilities: The employee should have a thorough understanding of all policies, regulations and procedures for regulatory and investor agencies as they pertain to the mortgage lending industry such as but not limited to knowledge pertaining to FHA, VA, Conventional and Rural Development guidelines and regulatory compliance. Other Qualifications: The employee must have a high level of professionalism, good judgement and impartiality. They must display a courteous and helpful attitude toward members and co-workers and demonstrate the ability to develop and maintain positive relationships. They must possess effective verbal and written communications skills and be able to work in a fast-paced, production-oriented environment. Physical Demands and Work Environment: While performing the duties of this Job, the employee is regularly required to sit and talk or hear. The employee is frequently required to use hands to finger, handle, or feel. The employee is occasionally required to stand; walk; reach with hands and arms and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision and ability to adjust focus. The noise level in the work environment is usually moderate. The physical demands and work environment described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Salary Description $45,000-$70,000 Dep. on Exp + Sales Bonuses