Mortgage Loan Officer

• Proactively solicit new residential mortgage loans and sell Credit Union mortgage products
• Spend at least 50% of time marketing outside the credit union
• Identify, develop, and maintain referral relationships with real estate agents, builders, and personal and professional contacts
• Promote home ownership through community involvement
• Respond to member inquiries and referrals
• Interview prospective borrowers and analyze financial and credit data
• Advise borrowers on mortgage products, pricing policies, guidelines, and financing options
• Meet with members and prospective borrowers throughout the lending process
• Prepare complete and accurate loan applications and loan packages
• Oversee the loan process from origination to closing and maintain ongoing communication with borrowers and business partners
• Achieve or exceed Mortgage Department production goals
• Complete mortgage applications through Blend and Encompass
• Run credit reports and AUS; collect fees; order appraisals and title reports
• Collect supporting documentation and submit complete loan packages to Mortgage Loan Coordinators
• Ensure loans are submitted to Underwriting within 48 hours of completed packages
• Work with Loan Coordinators to satisfy underwriting conditions
• Track REPC and rate-lock deadlines and arrange extensions when needed
• Maintain detailed loan notes and respond urgently to changes in loan files
• Counsel members whose loans are denied regarding credit improvement goals
• Attend required training, regional MLO meetings, Mortgage Department meetings, and weekly branch meetings
• Maintain current knowledge of lending programs, policies, procedures, and regulatory requirements
• Perform duties in accordance with Credit Union policies and procedures
• Perform other duties as assigned

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