Digital Mortgage Loan Officer

Travis Credit Union

13d•$28 - $35•Hybrid

About The Position

Travis Credit Union’s (TCU) Mortgage Loan Officers educate and sell prospective mortgage applicants on the best home loan for their financial situation, in compliance with all Credit Union and regulatory guidelines. TCU’s Mortgage Loan Officers understand the value of providing excellent personalized member service by building and maintaining positive relationships with members and internal/external business partners through all delivery channels.

Requirements

In-depth knowledge of real estate industry lending criteria (FNMA, FHLMC, FHA/VA), and federal and state regulations.
Professional verbal and written communication skills
Detail-oriented.
Work independently and self-motivate to achieve goals with minimal supervision.
Proven business development and/or sales skills.
Sound understanding of TCU’s Real Estate loan programs.
Ability to successfully tailor communications according to the audience.
Proven account management skills with the ability to create, maintain and enhance business relationships.
Ability to prepare and effectively facilitate presentations.
Ability to interact with diverse groups of people including business community members, potential borrowers and referral agents in a professional and diplomatic manner.
Proven ability to meet sales objectives, recognize customer needs and match them to loan products.
Proficient in MS Office products (Word, Excel, Outlook). Experience with industry- related software programs.
Flexible in working hours.
High school diploma or equivalent.
Minimum 3 years mortgage origination experience, including selling and processing 1st mortgage Conventional, FHA and 2nd mortgage loan originations in a mortgage-banking environment.
Candidates must live within a reasonable commuting distance of the communities served by Travis Credit Union, which include the following counties: Alameda, Colusa, Contra Costa, Merced, Napa, Placer, Sacramento, San Joaquin, Solano, Sonoma, Stanislaus, and Yolo. For hybrid and remote roles, candidates are still required to reside within a commutable distance of our corporate headquarters in Vacaville, California.
Candidates must have current authorization to work in the U.S. (no sponsorship available).

Nice To Haves

AA degree in Business or related field preferred.
Previous credit analyst experience preferred.

Responsibilities

Responsible for all online, digital mortgage loan applications.
Responsible for monitoring the digital queue to support members.
Builds relationships and captures new loan growth via outbound calls by connecting with people and building trust.
Ensures all documentation in loan files is consistent with input data in all data systems utilized.
Determines methods and procedures on new assignments and may coordinate activities of other personnel.
Sells and originates mortgage loans within the guidelines of TCU policy, procedures and government regulations, and ensures all disclosures are sent within regulations and that required documents are accurate.
Pre-qualifies members in identifying portfolio and Fannie Mae underwriting guidelines and programs, FHA and VA requirements and available down payment assistance programs.
Quotes and explains rates and terms; educates prospective applicants of the best home loan for them. Pre-qualifies members for conventional and government mortgages, second mortgages, and our various down-payment assistance programs. Renegotiates loan terms due to changes from initial loan application.
Tracks pipeline to ensure loans are being processed according to established priorities. Acts as the main contact with members during the application process. Provides regular status reports to members to maintain good communication. Works with the operations staff to ensure on-time closings.
Professionally represents TCU within the communities we serve and develops relationships in a manner that will enhance the overall branding and loan growth of the credit union.
Understands and maintains current working knowledge of TCU products/services, policies and procedures, and real estate lending regulations through internal communications, training and attendance at meetings, seminars and workshops.
Actively participates and supports TCU's Sales and Service culture by offering other TCU products/services based on the needs of the member. Delivers quality member service at all times.
Achieves maximum loan volume, ensuring the member receives the best available product to meet their needs, while maintaining portfolio quality standards. Builds and maintains relationships with local realtors as a source of future business.
Stays abreast of state and federal laws and regulations including RESPA, HPML, HOEPA, HCML, ATR/QM, bank secrecy and anti-money laundering laws appropriate to the position.