Branch Mortgage Loan Officer

EECU•Fort Worth, TX

126d

About The Position

EECU is looking for a Branch Mortgage Loan Officer (MLO) that will be responsible for meeting with credit union members in person, phone or branch referral mortgage applications to provide expert guidance on mortgage products and services. This position focuses on cultivating strong member relationships and delivering personalized solutions. Will originate, submit and maintain loan applications for mortgages, as well as follow-up upon completion. The Branch MLO will have a region of branch networks to source leads to expand our market share.

Requirements

Must be proficient in Velocify, Excel, Encompass, TalkDesk, Polly, Blend, and Microsoft Teams. Understanding of HMDA, and Escrow analysis a plus. Will be licensed In NMLS and through the State of Texas as a Mortgage Loan Originator.
Must have 5-7 years in the Banking/Financial industry, along with 3-4 years in an independent Mortgage environment as an originator.
High School diploma or equivalent required, college preferred.
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 certificate, 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 withing strict time deadlines required.
Must be goal oriented, team player, positive in nature, and highly detailed.
Able to participate in outside promotional events conducted by the real estate department.

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.
Responsible for cultivating and managing mortgage referrals from multiple branches within the credit union and sourcing leads independently. This role involves partnering with branch staff to identify potential mortgage opportunities, engaging directly with members, and providing expert guidance.
Conduct initial loan interview with prospective borrowers in order to analyze financial and credit data and will give advice about product/pricing policies and guidelines.
Corresponds 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.
Responds to inquiries and/or referrals that are generated from their own contacts and from other EECU business channels.
Knowledgeable of secondary loans, including but not limited to Purchase Money/Refinance, (Conventional, FHA, VA), Home Equity, HELOC, and Home Improvement loan applications. Loans submitted must 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. Required to attend initial and ongoing annual Bank Secrecy Act training.