Mortgage Lending Officer - Outside Sales

Wings Credit Union•Windsor, WI

About The Position

Under minimum supervision, the Mortgage Lending Officer markets and originates mortgage loans that meet regulatory and investor guidelines. The officer independently sources mortgage loan referrals and production from realtors, builders, financial professionals, and other nontraditional sources. The position may be based in the Windsor, Madison, or Appleton market. The role develops lending relationships and referral networks, educates partners and members about mortgage programs and financing options, gathers application documentation, and coordinates with members and lending partners to meet closing dates. It also requires knowledge of applicable lending compliance, investor guidelines, market conditions, and competitor products, along with adherence to Bank Secrecy Act policies and procedures.

Requirements

At least 3 years of mortgage Loan Officer experience.
Strong organizational skills and attention to detail.
Excellent verbal, written, and interpersonal communication skills.
Knowledge and understanding of sales prospecting and referral generation.
Ability to deliver premier customer service.
Working knowledge of computer software, including Microsoft Excel and Word.
Ability to work with limited supervision, manage time, prioritize, and multitask.
Self-motivation and a high level of attention to detail.
Must be bondable.
Must obtain or possess a Mortgage Loan Originator (MLO) unique qualifier (NMLS registration number).
Must be able to complete all MLO Registry requirements, including passing background and credit checks, fingerprinting, and other requirements under rules enacted pursuant to the S.A.F.E. Act.

Nice To Haves

College degree preferred.

Responsibilities

Develop lending relationships to self-source loan referrals and generate loan volume within the market area.
Educate prospective and existing partners about Wings mortgage programs and requirements.
Partner with the mortgage business development team on marketing and promotional activities to increase prospects.
Spend at least one or two hours a day, two or more times a week, outside the office—including from a home office—building a referral network.
Gather necessary information and documentation for analysis, disclosure, and underwriting of loan applications.
Educate members about financing options, rates, and products so they receive an appropriate product for their needs.
Use the automated underwriting system as an underwriting tool to assess whether borrowers meet applicable loan guidelines.
Understand and follow compliance requirements, including state-specific lending requirements, attorney requirements, and community property laws in states where Wings Credit Union offers financing.
Communicate and coordinate with members, realtors, underwriters, processors, and closers to ensure closing dates are met.
Develop and maintain visibility for Wings Credit Union in the marketplace.
Stay informed about investor guidelines, market conditions, and competitor rates and products to align products with borrower needs.
Participate in professional development, including educational opportunities, reading professional publications, and maintaining business networks.
Remain aware of and adhere to Wings policies, procedures, and regulations relating to the Bank Secrecy Act.