Role:
The Mortgage Loan Officer is responsible for loan production, gathering the required information to accurately complete mortgage loan applications and adhere to the credit union lending policies and regulations. This position will provide exceptional member service and always project a positive friendly image for the credit union through interactions with members and co-workers. Attendance is an essential function to performing the duties of this job.
Essential Functions & Responsibilities:
25% - Responsible for mortgage loan business development and relationship management with potential members, as well as, real estate brokers, builders, associated trade organizations and community groups. Represents the Credit Union in industry and professional associations, community organizations, local business groups, etc., and promotes the Credit Union's products.
25% - Conducts loan interviews to formalize specific loan requests. Ensures that complete, accurate information and documentation are received from and provided to applicants prior to forwarding the application to the underwriter. Explains loan options, rates, terms, and collateral requirements. Communicate loan decisions and conditions to the member. Provides financial counseling so that a "no" is presented as "not yet".
15% - Staff community events within the Community, including occasional nights and weekends. This would include but not be limited to events by non-profit organizations, schools, foreign consulates, and chamber organizations.
15% - Assists members and potential members with their telephone, text, video, and online requests; answers questions about lending products and services and resolve problems that are within their authority to resolve; refer problems beyond authority, along with recommendations, to supervisor.
15% - Prepares required disclosures within 3 days of application. Remains in communication with all borrowers, realtors, and any other associated party, and works closely with other team members from origination through closing of each loan. Ensures loan is documented compliant with TRID, ATR/QM and all other Dodd-Frank regulations.
5% - Performs other duties as assigned by supervisor.
PIed1a7eb4c7f8-30492-34422998
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