Branch Mortgage Loan Officer- Fort Worth

EECU•Fort Worth, TX

7h•Onsite

About The Position

EECU is looking for a Branch Mortgage Loan Officer (MLO) responsible for meeting with credit union members in person, via phone, or through branch referrals to provide expert guidance on mortgage products and services. This position focuses on cultivating strong member relationships and delivering personalized solutions. The role involves originating, submitting, and maintaining mortgage loan applications, as well as following up upon completion. The Branch MLO will manage a region of branch networks to source leads and expand market share.

Requirements

Proficient in Velocify, Excel, Encompass, TalkDesk, Polly, Blend, and Microsoft Teams.
Understanding of HMDA and Escrow analysis is a plus.
Licensed in NMLS and through the State of Texas as a Mortgage Loan Originator.
5-7 years in the Banking/Financial industry.
3-4 years in an independent Mortgage environment as an originator.
High School diploma or equivalent required.
Ability to balance analytical processes of qualifying a mortgage applicant with sales skills to place them in the best loan product to meet the applicant's needs.
Ability to speak effectively in front of groups and/or clients.
Ability to effectively communicate across all channels such as telephone, email, text and in person.
Excellent written, oral, time management, communication skills.
Possess analytical abilities to evaluate credit reports, title work/abstracts, appraisals, flood certificates, surveys.
Possess extensive knowledge of all loan types offered.
Knowledge of Real Estate processing State and Federal laws, FNMA, FHLMA, FHA/VA knowledge, rules and regulations regarding real estate lending and real property insurance coverages required.
Attention to detail and follow up is critical.
Ability to work in a fast-paced environment and within strict time deadlines.
Must be goal-oriented, a team player, positive in nature, and highly detailed.
Able to participate in outside promotional events conducted by the real estate department.

Nice To Haves

College preferred.

Responsibilities

Develop and maintain long-term relationships with members.
Manage the end-to-end mortgage application process, from initial consultation to loan closing, ensuring a seamless experience for members.
Establish and maintain strong relationships with branch managers and staff across multiple locations to drive consistent lead generation and referrals.
Cultivate and manage mortgage referrals from multiple branches within the credit union and source leads independently.
Partner with branch staff to identify potential mortgage opportunities, engage directly with members, and provide expert guidance.
Conduct initial loan interviews with prospective borrowers to analyze financial and credit data and provide advice on product/pricing policies and guidelines.
Correspond directly with 3rd party vendors, outside contacts, branches, processors, and underwriters to ensure loans are processed in a timely manner.
Maintain an organized pipeline of active loan applications from multiple branches, ensuring timely processing and closing.
Respond to inquiries and/or referrals generated from own contacts and from other EECU business channels.
Originate, submit, and maintain loan applications for mortgages.
Follow-up upon completion of loan applications.
Be knowledgeable of secondary loans, including but not limited to Purchase Money/Refinance (Conventional, FHA, VA), Home Equity, HELOC, and Home Improvement loan applications.
Ensure loans submitted comply with EECU’s lending criteria as well as Fannie Mae, Freddie Mac, and Ginnie Mae requirements.
Responsible for compliance of all Federal and State rules and regulations pertaining but not limited to Bank Secrecy Act, Anti-Money Laundering, Bank Bribery Act, NCUA Privacy Regulations, Reg B, Reg Z, Reg DD, Reg E, Reg CC, Service Members Civil Relief, and FCRA/FACTA.
Attend initial and ongoing annual Bank Secrecy Act training.