Branch Mortgage Loan Officer- Fort Worth

EECU•Fort Worth, TX

2d•Onsite

About The Position

EECU is seeking a Branch Mortgage Loan Officer (MLO) responsible for meeting with credit union members in person, via phone, or through branch referrals to take mortgage applications and provide expert guidance on mortgage products and services. This role focuses on cultivating strong member relationships and delivering personalized solutions. The Branch MLO will originate, submit, and maintain mortgage loan applications, and will have a region of branch networks to source leads to expand market share.

Requirements

Proficient in Velocify, Excel, Encompass, TalkDesk, Polly, Blend, and Microsoft Teams.
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 required.
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 required.
Must be goal-oriented, team player, positive in nature, and highly detailed.

Nice To Haves

College preferred.
Understanding of HMDA, and Escrow analysis a plus.

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 the 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 about 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, as well as follow-up upon completion.
Participate in outside promotional events conducted by the real estate department.
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.
Required to attend initial and ongoing annual Bank Secrecy Act training.