Mortgage Lending Officer - Outside Sales

Wings Credit Union•Windsor, WI

16h

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 referrals and production through realtors, builders, financial professionals, and other nontraditional sources. The position can be based in the Windsor, Madison, or Appleton market. The role develops relationships and visibility in the marketplace, educates prospective and existing partners about mortgage programs and requirements, and helps members identify appropriate financing options. The officer gathers and evaluates application information, uses automated underwriting tools, and coordinates with members and other parties to meet closing dates. The position requires knowledge of lending compliance and ongoing awareness of investor guidelines, market conditions, and competing products.

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 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 degree of attention to detail.
Must be bondable.
Must obtain or possess a Mortgage Loan Originator (MLO) unique qualifier/NMLS registration number and successfully complete all MLO Registry requirements, including 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 and self-source loan referrals to 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 the information and documentation needed to analyze, disclose, and underwrite loan applications.
Educate members about financing options, rates, and products so they can receive products appropriate to their needs.
Use the automated underwriting system as an underwriting tool to ensure 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 effectively 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.
Pursue professional development through educational opportunities, professional publications, and business networks.
Remain aware of and adhere to Wings policies, procedures, and regulations related to the Bank Secrecy Act.