MLO- Commissioned

Tyndall Federal Credit Union • Panama City Beach, FL

1d • Hybrid

About The Position

Tyndall Federal Credit Union is seeking a motivated individual to join their team as an MLO- Commissioned. This role is responsible for creating mortgage loan opportunities and generating mortgage loans for current and prospective members, fulfilling their mortgage lending needs, and building relationships with all parties involved in the process. The position is based in Panama City, Florida, with work locations in Walton County and Panama City Beach, Florida. This is a hybrid opportunity, requiring candidates to reside in either Bay or Walton County. Tyndall Federal Credit Union offers a family-oriented work environment with numerous benefits and career growth opportunities, emphasizing community involvement and a commitment to member financial well-being.

Requirements

• Three years to five years of similar or related experience.
• A two-year college degree, or completion of a specialized certification or licensing, or completion of specialized training courses conducted by vendors, or job-specific skills acquired through an apprenticeship program.
• Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation.
• Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.
• In-depth knowledge of the secondary market and experience with first and second mortgage residential real estate lending.
• Ability to type, use computer and general office equipment including 10-key calculator.
• Requires basic to intermediate knowledge of Microsoft Windows, Word, Outlook and Excel and ability to navigate the Internet.
• Strong analytical and decision making skills.
• While performing the duties of this job, the employee is regularly required to use hands, and is required to talk and hear.
• The employee is frequently required to stand, sit, and walk occasionally for long periods at a time.
• The employee may occasionally be required to reach with hands and arms and move objects up to 20 pounds.
• Specific vision abilities required by this job include close vision, peripheral vision, and ability to adjust focus.
• In addition, abilities for assessing the accuracy, neatness and thoroughness of the work assigned is required.
• Must pass registration based on the SAFE Act requirements or already be registered.

Responsibilities

• Reviews and evaluates information on mortgage loan documents to determine if borrower, property, and loan conditions meet credit union and government standards.
• Matches appropriate loan product with borrower's needs.
• Establishes required terms and conditions of an approved loan and reviews with borrower.
• Generates mortgage loan business through relationships developed from realtor calls and business development activities.
• Develops trust through communication and member service while selling the credit union’s mortgage lending programs to companies and individuals within the real estate community.
• Cross-sells other credit union products and services.
• Assembles and organizes documents in loan file, ensuring completeness and accuracy in loan software and mortgage file.
• Distributes file to designated clerk or destination.
• Maintains a record of accurate loan information and status.
• As needed, may perform processing duties for mortgage loan applications of other originators.
• Remains informed of current trends and market factors affecting mortgage lending.
• Ensures compliance with all regulatory programs including but not limited to the Bank Secrecy Act, Office of Foreign Asset Control Program and Customer Identification Program.
• Assists other department personnel and performs other duties as assigned.
• Remote employees must adhere to their agreed-upon work schedule from a secure location, participating in virtual meetings, video conferences/other communications, and maintaining regular, responsive communication during working hours.
• Produce assigned loan volume within established guidelines.
• Originate loans in and out of the office at borrower or other party's convenience.
• Ensure that all approved loans comply with established loan standards.
• Ensure all applications are handled in a timely manner and are in compliance with Federal regulations, secondary market guidelines, and credit union established policies and procedures.
• Meet with realtor and builder offices within established guidelines.
• Remain in constant contact with all involved parties throughout and after the loan process.
• Maintain a professional, courteous, and friendly atmosphere for members and co-workers.
• Ensure that each inquiring party receives a loan application packet with contact information.
• Completes required annual BSA/AML training with a passing grade of 80% or higher.
• Completes required Red Flags Program requirements to include documentation of discrepancy resolution as needed.
• Must pass registration based on the SAFE Act requirements or already be registered.

Benefits

• Family First Leave- Providing 12 weeks of 100% paid bonding time to all Full Time Eligible employees.
• Excellent 401(k) plan with generous employer matching.
• 16 paid community volunteer hours.
• 11 paid holidays (for Full Time positions).
• Paid time off (for Full Time positions).
• Excellent health/vision/dental benefits (for Full Time positions).
• Higher base salary, complemented by commissioned based earnings.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Associate degree