CONSUMER & MORTGAGE LOAN OFFICER

The full time consumer & mortgage loan officer will be responsible for the origination, file management, and closing of consumer & mortgage loans as well as maintain regular contact with members in overall office activities.

The Loan Officer will be in direct communication with members and work closely with the Branch Manager. This is a mid-level consumer and mortgage lending position.

Responsibilities and Duties to include, but not limited to : *Will be familiar with core operating system & able to process basic transactions.

• Communication with members via mail, email, phone, and in person *Convert incoming calls into leads for new business. *Manage new leads and follow up on referrals.
• Pre-qualify members by discussing rates, terms and / or financial options. *Enter data in loan management systems, spreadsheets, etc.
• Assist in maintaining established record keeping protocols to comply with all internal, local, state and federal regulations.
• Maintain loan application workflow, including verification of information and timely review and underwriting of applications.

Will have the ability to complete consumer & mortgage loans from application to closing.

• Underwrite consumer loans based on established guidelines. *Approving loans that meet CU guidelines, within authorized limits and established timeframes.
• Make alternative recommendations for non-conforming loans. *Prepare and present recommendations to management for those loans that are exceptions to the guidelines.
• Coordinate the preparation and issuance of adverse action letters to members. *Compliance with updates and changes to loan programs, processes, guidelines and consumer & mortgage lending software.
• Addressing questions and resolving disputes between CU and members using knowledge of consumer loan underwriting process and legal requirements.
• Participating in credit union training programs and any other function as requested. Qualifications and Skills : The ability to work under pressure in a fast-paced environment.

Should possess an outgoing and approachable personality, confidence in interacting with team members within all levels of the organization.

Able to provide a high level of member service. Excellent communication skills via phone, personal contact and written, will be required.

The ability to work as part of a team, as well as independently. Must possess good judgment, the ability to accept responsibility and handle confidential information.

Must be a self-starter, dependable, accurate in completing responsibilities with strong attention to detail and organizational skills.

A willingness to assume additional duties / projects as they arise. Must be able to work a flexible schedule during normal business hours.

The ability to accept and facilitate change whether indicated by corporate needs, market, or regulatory requirements. Regular and punctual attendance is a must.

High school diploma or equivalent education required including basic math skills and data entry knowledge. Experience in consumer & mortgage lending / underwriting and knowledge of consumer loan products is essential.

Should be computer proficient, including use of Microsoft Office suite and loan underwriting software. Ability to understand lending regulations.

NMLS license is preferred, but not required.