Home Loan Officer - Internal

GESA CREDIT UNION•Spokane, WA

18d•$50,086 - $200,000•Onsite

About The Position

Under the direction of the Production Manager/Team Leader - Internal, the Home Loan Officer – Internal will assist members and team members with their mortgage lending needs as directed by the team leader. Analyze loan files and recommend credit decisions based on mortgage lending policy. Originate first mortgage loans for the credit union’s portfolio or for sale on the secondary market for existing members and for new members obtained through business development efforts. Project a professional image and maintain confidentiality with all customer and sensitive data.

Requirements

Ability to multi-task on numerous projects simultaneously.
Ability to effectively communicate in writing, in person and over the phone.
Ability to make quality decisions in a timely manner with extreme attention to detail.
Ability to work with minimal supervision.
Ability to promote and maintain a productive work environment.
Three (3) years of similar or related experience; mortgage lending experience desired.
High school diploma; or equivalent completion of specialized course of study, training, and experience.
Possess NMLS Mortgage Loan Originator Identification (MLO) Number or meets requirements to obtain NMLS MLO Identification Number.
A valid Driver’s License is required.

Nice To Haves

Extensive knowledge of conforming and non-conforming loans as defined by the secondary market desired.
Experience with Desktop Underwriting or other lending-specific software desired.
Experience in the development of new business through calling on the real estate community and membership in professional organizations desired.
Experience in loan origination consistent with FNMA guidelines, as well as FHA and VA loan originations desired.
Proficiency with standard office equipment, lending software, spreadsheets, and word processing.
Independent travel is required to achieve training and business objectives.

Responsibilities

Support loan production as directed by manager.
Ensure that all approved loans comply with established loan standards and have zero errors.
Complete special projects as directed by the manager.
Maintain a professional, courteous, and friendly atmosphere for members and co-workers.
Demonstrate a working knowledge of all mortgage products and rates, both within Credit Union and from the industry overall.
Troubleshoot and resolve member and internal inquiries in a timely, friendly and accurate manner.
Interview members for residential mortgage loans, explain financing and mortgage programs and their requirements.
Inform members of results of preliminary financial analysis.
Calculate good-faith estimates.
Monitor status of loans, process loan in a timely manner.
Must understand and perform Bank Secrecy Act (BSA) functions as applicable to job responsibilities.
Attend credit union training sessions, conferences, or seminars as approved by supervisor. Maintain awareness of policies and regulations related to duties and responsibilities.
Build positive relationships with real estate agents and members of the community to increase production of loan sales.
Report areas and actions of concern to supervisor as actionable.
Display mutual respect, trust and dignity, acting in the best interest of the credit union. Lead by example by displaying solid ethics and integrity at all times.
Control risk and perform duties in a safe and sound manner.
Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism. Consistently display respect for all areas of diversity and levels of knowledge.