Mortgage Inside Sales Loan Officer 2

Sunward Federal Credit Union•Farmington, NM

1d•$27 - $34

About The Position

Originates, reviews, and evaluates mortgage loan applications and makes recommendations. Counsels members regarding appropriate financial planning and practices, providing superior quality service aligned with Sunward’s core values. Works with increasing independence to manage lending and sales activities, use consultative techniques, grow member relationships, and ensure compliance with policies and regulations.

Requirements

Complete all steps required for Nationwide Mortgage Licensing System and Registry (NMLS) registration and annual renewal.
Maintain compliance with SAFE Act requirements.
Apply lending product, underwriting, and compliance knowledge and exercise independent judgment within established guidelines.

Responsibilities

Independently interview and process mortgage loan applications through appointments, web applications, phone, and walk-ins.
Originate and evaluate a variety of mortgage loan products, including construction loans, seeking guidance for complex or unusual situations.
Conduct credit and financial assessments and analyze supporting documentation to evaluate creditworthiness and structure appropriate loan solutions.
Review property-related documentation, including purchase agreements, warranty deeds, and real estate contracts, for accuracy and alignment with lending standards.
Disclose loan applications accurately and in a timely manner in compliance with state and federal regulations.
Document approval or denial decisions with clear reasoning and supporting documentation in loan notes, applying independent judgment within established guidelines.
Provide consultative, personalized member service by listening, assessing needs, explaining product features and benefits, and recommending tailored solutions.
Educate members on mortgage products, creditworthiness, underwriting guidelines, interest rates, and other financial considerations.
Manage a personal pipeline of loan opportunities, prioritize leads, follow up regularly, and maintain accurate status updates throughout the loan process.
Maintain internal relationships with branch staff and frontline teams to generate referrals and support collaboration.
Build external relationships with realtors, builders, and referral partners; participate in community events, seminars, and outreach activities to expand business opportunities.
Identify and recommend complementary products or services using consultative prompts and cross-sell techniques.
Apply knowledge of lending products, underwriting criteria, and compliance regulations; proactively identify and address potential risks.
Use independent judgment to manage loan processes and member interactions, escalating complex or unusual situations appropriately.
Mentor or assist new loan officers and share best practices with peers.
Attend schools, seminars, and training to expand product, regulatory, and process knowledge.
Complete NMLS registration and annual renewal steps and maintain compliance with SAFE Act requirements.
Strive to meet or exceed assigned individual and department origination goals while maintaining a high standard of member service.
Perform other duties as assigned by management.