Branch Mortgage Loan Officer

Blaze Credit Union•Saint Cloud, MN

About The Position

The Branch Mortgage Loan Officer educates and counsels members and prospective members seeking FHA and conventional real estate loans, supporting Blaze’s growth objectives through the Preferred Way of Selling. The role completes loan applications, gathers required paperwork, prequalifies members, and facilitates loan origination. It also provides superior member service, builds positive relationships, and serves as a knowledgeable real estate resource for credit union staff and members. The officer interviews applicants in branches and by phone, prepares and submits applications, sends required disclosures, and runs loans through a secondary-market underwriting system for initial decisions. The role explains loan products and options, recommends appropriate products and terms, assesses applicant information, communicates underwriting decisions and counteroffers, and works with mortgage loan processors to keep members informed throughout the process. It also develops and follows up on leads and referrals, promotes appropriate Blaze products and services, and supports the efficiency of the real estate department.

Requirements

High school degree or equivalent.
At least 2–3 years of similar or related financial experience.
Obtain or possess a Mortgage Loan Originator (MLO) qualifier, such as a registration number.
Strong verbal and written communication skills.
Computer skills, including Microsoft products.
Ability to work in a fast-paced environment and manage multiple tasks.
Ability to respond proactively to members and employees and solve problems based on guidelines.
Ability to sit and stand, answer calls, operate a computer, interact with employees and members by phone, travel to designated offices, and lift up to 20 pounds.

Nice To Haves

Knowledge of Encompass.
Previous sales experience.

Responsibilities

Facilitate real estate lending to deliver Blaze products, promote positive member relationships, and meet mortgage lending objectives.
Interview loan applicants in branch and by phone; prepare applications by collecting and completing required information, send disclosures within three business days of application, and run loans through the secondary-market underwriting system for an initial decision.
Explain Blaze loan products and options, including rates, projections, and payment schedules; recommend suitable products and terms and solicit additional products for which members qualify.
Obtain additional applicant information, calculate debt ratios, analyze credit, and calculate or verify income in response to underwriter requests.
Contact members to discuss rates, terms, rescission, promotions, and credit bureau information, and lock mortgages with the investor.
Prequalify members for their maximum loan amount.
Advise applicants of initial underwriting decisions and provide guidance on counteroffers.
Re-price loans when loan scenarios change and send appropriate disclosures.
Coordinate with Mortgage Loan Processors, update members on loan-file status, and answer real estate lending questions.
Recommend, consult on, and sell Blaze products and services to maintain an active pipeline through company-generated leads and referral sources.
Identify members’ financial needs and market appropriate products and services to support those needs and Blaze’s growth objectives while maintaining an acceptable application-to-close ratio.
Record referrals and follow up through correspondence and telephone contact.
Initiate contact with or follow up on leads promptly by outbound calls or correspondence.
Provide support to the real estate department to promote department efficiency.
Comply with applicable laws and regulations, including the Bank Secrecy Act, Patriot Act, and Office of Foreign Assets Control requirements.
Exhibit Blaze’s core values: Better Lives, Thoughtfully Compassionate, Minnesota’s Best, and Give Back.
Maintain regular and predictable attendance and perform other duties as assigned to support effective department operations.