Mortgage Loan Officer

Mortgage Loan Officer

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Position Summary

The Mortgage Loan Officer is responsible for assisting current and potentially new members with the mortgage loan process that includes guiding them through the application, approval and closing process. Their duties include recommending certain loan mortgage product options and explaining those terms to the member based on their own personal profile. Communicating constantly and accurately with members, support staff and management are key to their success. This professional must have the ability to provide significant direct service to members and thoroughly understand relevant legal parameters, and the administrative processes involved in the mortgage lending process.

Principle Duties and Responsibilities

• Willingness and ability to exhibit Wellby Core Values every day.
• Works purposefully and is driven to provide the best team member experience.
• Meet with prospective Member borrowers.
• Request, review and analyze Member applicant's credit and financial data.
• Determine Member's financing objectives and goals.
• Present the appropriate products and programs to the Member and explain guidelines.
• Discuss interest rate pricing as required.
• Identify appropriate opportunities to sell additional loan products.
• Collect all necessary supporting loan documentation as required to proceed the application through the loan process.
• Work with compliance and underwriting to ensure any outstanding loan conditions are met.
• Provide ongoing communication with the Member throughout the process, up to and including loan closing details and instructions.
• Ensure exceptional service experience for the Member throughout the mortgage application process.
• Comply with applicable consumer laws, regulations, company guidelines, etc.
• Complete all necessary training and licensing.
• Maintain a thorough knowledge of offered lending programs, policies, procedures, and regulatory requirements.
• Maintain the confidentiality of all information processed.
• Achieve mutually agreed upon personal production goals determined by mortgage management.
• Perform all job functions in accordance with the credit union's mortgage lending policies and procedures.
• Prepare, complete, and submit required reporting requirements as determined by mortgage management.
• Work effectively in the organization's loan origination system.
• Work to ensure accountability and compliance with all applicable laws and regulations concerning mortgage lending.
• Manage multiple loan submissions and meet required deadlines for each loan.
• Quickly and accurately complete basic math functions including common decimal fractions, calculate rates and percentages.
• Drives to vendor locations, Wellby branch locations, and customers or members locations regularly.
• Performs other duties as assigned.

Knowledge, Skills, and Abilities (KSA)

Supervisory Responsibilities

Complexity & Scope of Work

Physical Demands & Work Environment

Minimum Qualifications

For All Candidates :

This is a Full-Time, Salary (exempt) role.

Wellby's Equal Opportunity Statement

Wellby is an equal opportunity and affirmative action employer and gives consideration for employment to qualified applicants without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, veteran status or any other legally protected characteristic. If you'd like more information about your EEO rights as an applicant under the law, please contact Human Resources.

Accommodation Requests

Wellby provides equal opportunity to qualified individuals with disabilities and disabled veterans. If you need a reasonable accommodation, please email careers@wellbyfinancial.com or call 281-226-1696 for assistance.

Disclaimer

The statements herein are intended to describe the general nature and level of work being performed by team members and are not to be construed as an exhaustive list of responsibilities, duties, and skills required of personnel so classified. Furthermore, they do not